davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (HI)

I am writing this email to express my dissatisfaction with the incorrect information I have been given regarding my loans from Navient. I am diligent about keeping my loans from defaulting, but Navient of XXXX XXXX is not providing any assistance. My goal is to find someone who can help me prevent my loans from defaulting. I want to talk about obtaining an assistant to discuss my financial situation before defaulting on my loans with XXXX XXXX. During my conversation with Navient 's agent on XX/XX/XXXX, I was given incorrect information about the loan process. Due to my inability to pay the monthly repayment for these loans that are due this month, I am feeling confused and uncertain about how to proceed. Navient agents consistently give me inconsistent information when I call them. 
I called on XX/XX/year>, and spoke to a supervisor named XXXX. I explained to him the inconsistent information that was given to me. The agent didn't see any other loans on her computer while working with me, as he informed me. He insistent that I was not given inaccurate information and he suggest that the only thing he can do is provide deferment for 3 months which I must pay a fee and I declined because I didnt have the funds. 
After having that conversation, I requested information about the available options because I graduated on XX/XX/year> and am currently unemployed. I need a deferment until I am able to find employment. He informed me that I need to send you to the private collection loan area, which has more options to assist me. He assured me that XXXX XXXX has various offers that are workable and have several repayment options, which will prevent you from defaulting. 
Upon being transferred to that department, the agent informed me that there are no alternatives other than paying {$100.00} for a XXXX deferment. I reiterate that I am not working, and I do not have an income. She replied by saying 'I am sorry, that is all I have to offer from my computer program. ' She said I am due to make a payment in XXXX and I said I will not be able to make these payments and I dont want to go into default can someone work with me to avoid default. I was informed during the XX/XX/XXXX conversation that if I consolidate and move all of my loans to the XXXX XXXX XXXX XXXX, it will contain all of my loans to a XXXX plan with a onetime adjustment of past payments. Now I am in a predicament where I can't pay for these loans and there is no option available to not go into default. Could you assist me in rectifying these issues? Thank you.
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

Hello ACCORDANCE WITH TITLE 15 USC 1681a ( 2 ) I DIDNT CERTIFIED OR GAVE WRITTEN CONSENT/ PERMISSION TO HAVE THESE UNAUTHORIZED HARD INQUIRIES OR UNAUTHORIZED ACCOUNTS TO HE FURNISHED/ REPORTING ON MY CONSUMER REPORTS.
Consumer complaint received 2024-04-03
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. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (OH)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NE)

I was scammed by someone who wrote bad checks and I got gift cards, not knowing they were fraudulent. They totaled XXXX XXXX. Filed a complaint with Wells Fargo on XXXX  XX/XX/XXXX. Called Wells Fargo today and they said since I particular in the scam I'm stuck paying.
Consumer complaint received 2023-08-21
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (PA)

Loan Agreement Number : XXXX Date of the Agreement : XX/XX/XXXX Amount financed : {$9500.00} Interest rate/APR : 11.99 % First payment date : XX/XX/XXXX I took out a loan to pay for a new boiler for my home. I understood that after the 18 month grace period, the interest would start accruing. The statements say that the first payment date is XX/XX/XXXX, so I understood that if I paid before the first payment date, I would not have to pay interest. 

I have paid {$2000.00} since XXXX. I was about to pay the remaining {$7500.00} balance on XX/XX/XXXX, but when I talked to Goodleap on the phone they said I actually owed {$9000.00}. They said that even thought I want to pay before the first payment date, the interest has already " kicked in '', and it gets taken retroactively. 

Then, when I spoke with a manager at Goodleap, I told him I wanted to pay the remaining balance of {$7500.00}. He said I could do this, but only if I request a settlement. He said this will only be approved if I am late on my payments, but since I am not late on any of my payments, I can not request a settlement at this time. I feel that I am being incentivized to not pay this loan and then get a settlement later on. This will hurt my credit. But I refuse to pay an extra {$2000.00} because of Goodleap 's unclear terms. 

Since I received the loan, it was very difficult to log into the Goodleap online system, and when I was able to log in, there is no contract or information about how much I owe. I was never sent a contract, only statements. The first time I saw the contract was on XX/XX/XXXX. 

Thank you, XXXX XXXX
Consumer complaint received 2017-01-16
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I owned property in XXXX, XXXX ( I live in XXXX ) that was declared it in my bankruptcy discharged XX/XX/XXXX. The property was not officially foreclosed and sold until XX/XX/XXXX to The New York Bank Of Mellon. The only way I found out this information was when I tried to purchase property XX/XX/XXXX and the underwriter found my name on the property. They informed me that I would not be able to get a loan until 3 years after the foreclosure " sold date ''. I waited the 3 years ( XX/XX/XXXX ) and now am told the attorney ( acting as title company ) never deeded the property to The Bank of New York Mellon, and it still was in my name up until XX/XX/XXXX. I am currently trying to purchase property and the mortgage professionals are stating that the date they use for the 3 year starting date is now XX/XX/XXXX XXXX the date the title was taken out of my name ) NOT the foreclosure sale date of XX/XX/XXXX as originally stated.
Consumer complaint received 2024-04-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: NEW YORK COMMUNITY BANCORP INC (FL)

Loan Created in XX/XX/2023 Flagstar Bank XXXX XXXX XXXX, MI XXXX To Whom It May Concern, I am writing to express my serious concerns regarding my recent experience with Flagstar Bank in relation to my Home Equity account. 

I initiated the process of obtaining a home equity loan with Flagstar Bank, and throughout the process, I encountered several troubling issues that have led me to question the bank 's practices and ethics. 

At the final stages of the loan processing, Flagstar Bank unexpectedly decided to allocate 50 % of the funds from my home equity loan to pay off an existing loan. The concerning aspect of this decision is that Flagstar Bank insisted on paying off a loan with a 2.99 % interest rate, despite the availability of other loans with significantly higher interest rates, ranging from 10 % to 20 %. This decision appeared both strange and unethical, and I am inclined to believe it may even be illegal. 

Furthermore, after beginning repayment of the loan, I discovered that Flagstar Bank 's website does not allow for extra payments ( except during a hidden 7 day window ) or payments made every two weeks, which is not disclosed on their website. This limitation on payment options, combined with the decision to pay off a lower interest rate loan, suggests a deliberate effort to maintain customers in debt and prevent them from making principal payments. 

I find it deeply troubling that Flagstar Bank would engage in such practices, which appear to be predatory and exploitative. It is unacceptable for a financial institution to operate in a manner that undermines the financial well-being of its customers. 

Therefore, I am formally requesting an investigation into Flagstar Bank 's handling of my home equity account, including their decision-making process regarding loan allocation, disclosure of payment options, and any other relevant practices that may be deemed unethical or illegal. 

I urge your agency to thoroughly investigate this matter and take appropriate action to address any wrongdoing on the part of Flagstar Bank. Additionally, I request that you keep me informed of the progress and findings of the investigation. 

Thank you for your attention to this matter. I trust that you will take the necessary steps to ensure that justice is served and that consumers are protected from unfair and deceptive practices.
Consumer complaint received 2024-04-04
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-17
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. (NV)

This account is reporting inaccurately across all three credit bureaus. This is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2023-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This hard inquiries are fraudulent I didnt authorize them. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (TX)

I put in a complaint in XXXX for the wrong information being reported the company sunovis bank acknowledged that the information being reported was wrong and agreed to fix the error which was reporting a charged off account that wasnt charged off. Its been 30 days and the same information is being reported. These are serious damages for me.
Consumer complaint received 2023-05-04
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. (MO)

Medical debt on equifax shows XXXX. I paid it to be below XXXX. XXXX  balance shows XXXX for the same debt. I disputed it and they said the balance was correct. I provided proof of payment and because it's medical should be removed. The did neither.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2023-04-09
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: CL Holdings LLC (FL)

XXXX XXXX XXXX is a debt collection agency which appears to have purchased a debt ( with my name on it ) where the last date of activity on the original account has been more than 7  years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They ( XXXX XXXX XXXX ) are now illegally reporting negative information to credit reporting agency ( e.g., XXXX, XXXX XXXX, XXXX, or XXXX ),
Consumer complaint received 2023-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Consumer complaint received 2018-09-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (FL)

I have no knowledge of ever owing this company money. I never received a notice of any kind about this debt. To my knowledge and my best memory I dont owe this company any money nor the original creditor. I have tried calling this company with no success.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Over the last seven months XXXX has reported major increases to my student loans and then major decreases the next month. They are faslie reporting the accuracy of my student loans. I noticed the first increase at the end of XX/XX/2018 in the amount of {$700.00} dollars. I'm not sure how that is even possible. Then for the month of XX/XX/2018 it shows a decrease of {$690.00} dollars. And today XX/XX/XXXX I checked my transunion credit report and they are now show an increase of {$670.00}!!! While each month I have made {$55.00} dollar payments. Only a few days after noticing each of these odd reports, they disappear. I have taken screen shots of each one that I have noticed, which I check my report like 5 times a week through XXXX XXXX. These false reports are effect my credit rating!!! I am contact them, my state attorney Generals office and a local attorney. I know XXXX has been in hot water over all their shisty behavior and I can prove what they have been doing to me! I have documentation!!!
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA (TN)

In the first week of XX/XX/2023 I received a {$17000.00} transfer. The money is still sitting there because my account has been " restricted ''. I can not access the money, I can not see a statement, and I can not close the account. I looked on their page on XXXX and was dismayed to see that this is a pattern with them. I want access to my money, and am sick of form letter responses that off no resolution.