davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (LA)

On XX/XX/XXXX I received a call from XXXX with the Federal Student Aid Program offering me a Forgiveness program ( which I found out later that it was fraudulent ). At the time they explained that I should immediately stop paying Navient and begin paying them and that my loans would go directly to the Dept. of Education because they were a government company. I began receiving documents from Navient ( who was the initial company I was paying my student loans to ) on XX/XX/XXXX stating that they are helping me with a direct consolidation loan, which I already had for several years and have been paying on for several years. I notified the " Federal Student Aid Center '' and they refused to return my calls but sent a text message stating that the documents I received were in line with what was needed for my forgiveness and to not do anything with the documents. on XX/XX/XXXX I  received another letter stating that my student loan amount of {$48000.00} will now be {$82000.00}. I have been paying for over 10 years and began this journey with a {$24000.00} student loan debt. I do not understand how a {$24000.00} total can end up being XXXX  when I have never been garnished or in default. I have had forbearances and deferments but that has not been within the last 10 years.

In addition, in XX/XX/XXXX when Sallie Mae split becoming Sallie Mae and Navient, my loans went from XXXX ( due to interest from forbearances and deferments ) to XXXX  and my fixed 2 % when to over 3 % and is now at 3.875 % They also gradually every year went up on the amount they took from my bank account without notification. I work for a XXXX and have not received a raise in over 8 years. So while they were taking money and not working with me to make appropriate payments, they were increasing the amount that they were taking out of my account and I am now in Jeopardy of losing my house.
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my sixth request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX Balance : {$6000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-02-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC (HI)

I entered into a loan contract with Mosaic, Inc.which funded my solar project for my home in XXXX, 2022. The loan number is XXXX. I have repeatedly tried through telephone calls and emails to get a correct answer to no avail. I need a senior loan officer or supervisor in charge to assist me. The respresentatives with whom I can spoken to or was emailed by simply have not resolved the issue. 

The siutation is as follows : I pay more than the monthly payment and the excess should be credited towards principal and that is not happening. I called the compan again today and asked for a senior loan person and was disconnected. Before I was disconnected while the representative transferred me definitely did not know what he was talking. Based on our brief discussion, it appeared that he had litle or no finance experience. I asked to have a senior loan officer or supervisor in charge that could explain why my principal was not being reduced. The statements online clearly show a credit balance but it is not being applied correctly. I asked this representative when someone might call me since I have been emailing and calling to get a resolution for the past three months. He replied that he didn't know when anyone woudl cal me back and, frankly, made no effort to help me resolve the issue. 

These companies are taking advantage of consumers and do not fully explain why paymnets are not being applied correctly. They need to be held to a higher standard and should comply with a consumer 's request. I would like a resolution as to why my excess payments are not being applied to principal.
Consumer complaint received 2024-03-20
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. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-10-25
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)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (RI)

I've noticed issues on my credit report from Experian as they are reporting inaccurate and incomplete information on my credit report. It is not 100 % accurate, and impedes on my privacy as a consumer and effects my credit worthiness tremendously. I've sent a formal letter to Experian and they have not completed the investigation of this matter within thirty days. I want the accounts in question removed asap.
Consumer complaint received 2024-03-20
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. (OH)

Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Problem with a credit reporting company 's investigation into an existing problem. Their investigation did not fix error on my credit report.
Consumer complaint received 2024-03-20
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. (WA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
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. (LA)

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 2023-03-14
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. (MA)

XXXX XXXX XXXX  reported my account late in XXXX of 2022 but my late payment was waived on XX/XX/XXXX therefore a late credit report shouldnt be on my credit file. Its false and inaccurate and was never paid late.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2024 XXXX, XXXX, and equifax were notified about a XXXX  XXXX account and a XXXX XXXX account, pursuant to title 15 usc 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. the reporting agencies were asked to reinvestigate and they have failed to respond within the 30 days required. i believe that both late payments were reported inaccurately and kindly request that you provide me with a written confirmation of the receipt of this dispute letter, as well as an estimated timeframe for the completion of your investigation. Additionally, I request that you notify me in writing of the results of your investigation and any actions taken to rectify the inaccurate reporting on my credit report.
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NY)

I have been a customer of Wells Fargo for over 10 years, I make my payments via telephone and in the last 6 months the process to use the telephone keeps sending me to a customer service rep., which take a tremendous amount of time. I have asked multiple time why this keeps happening and to no avail. Each time I am told that it was corrected and that they are proud of their work and assure me the problem has been corrected. Each month the same issue reoccurs. I have escalated this to be reviewed by Wells Fargo Executive Office complaint for review to zero satisfaction as they have not provided an answer for a single question I have as to why and they continue to be condescending and indignity. They have now created a case stating that I am not satisfied with their customer service to completely avoid answering the question as to why repeatedly I keep being forwarded to a customer service rep when making a telephonic payment. I have been passed around by the following people who tell me they are not the right person to speak. This run around has occurred for over 36 hours on the telephone. I was told that a ( XXXX ) had resolved my complaint, never spoke with anyone-complete fabrication ) and as of XX/XX/2018 the issue is still not resolved. 
I have had telephone contact with the following people in the Exec Office Complaint Review ( XXXX, XXXX, XXXX, XXXX, and lastly XXXX who was very condescending and passive aggressive and refused on 9 separate times to provide me with her supervisors name only stating that she reports to the Executive Office, and that by provide that as an answer she was responding to my question. ( very passive aggressive ) they provided fast talk, avoidance and no response to my question and when I stated that I would be filing with the CFPB I was informed that I should not be making threats. So I am immediately filing this complaint to follow through that it is not a threat only a promise to obtain a resolution to this issue that they refuse to provide.

In total I have spent 36 hrs to this point, just trying to get a satisfactory resolution, to no avail. I DO NOT WISH to have any of these listed Wells Fargo personnel to assist me as I can not afford the time or have the luxury to spend any more time on this matter which appears that is what they are hoping for.. Please help me obtain competent personal that can correct this matter and not just provide rhetoric and no resolution.
Consumer complaint received 2024-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

I received the Amex Reward Card as part of a promotional payout from the website XXXX in the amount of {$53.00}. 

I tried for several days to use the card at several large online sites including XXXX, XXXX, and XXXX. It has not worked and just continuously gets rejected. I tried at offline sites as well and was also rejected. 

Everytime I call Amex customer service I am told to try agan in XXXX hours. I am also told that they are aware the card is being blocked at large online sites and that it is a temporary situation. 

The amount of time and effort this requires prompted me to search online to find out that this is a common problem that has been going on for over a year.
Consumer complaint received 2022-10-25
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. (NC)

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 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 2024-03-20
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)

Complaint Regarding XXXX XXXX XXXX, and Experian Dear Sir/Madam, I am writing to file a formal complaint regarding ongoing issues with XXXX XXXX XXXX XXXX and Experian that have significantly impacted my credit score without valid reasons or explanations. 

The crux of the issue lies with XXXXXXXX XXXX XXXX attempt to transfer the title of my car solely into my sister 's name, effectively disregarding my ownership of the vehicle. This move appears to be an attempt to cover up the theft of my car by XXXX XXXX and the powerful individuals associated with him. I want to clarify that the car rightfully belongs to me, XXXX XXXX, and my sister was merely a cosigner on the loan. 

Moreover, in their recent response to my inquiry, XXXX XXXX alleged a late payment dating back to XX/XX/XXXX, despite the fact that I made a {$500.00} teller payment on that same day. They claim this was the only delinquency of more than 30 days on my account and that it remained unreported until XXXX when I paid off the account. This information is inaccurate, misleading, and raises serious concerns about the integrity of their reporting. 

Furthermore, XXXX recently dropped my XXXX XXXX by XXXX points and Experian XXXX points without providing any valid reasons or explanations. This recurring issue has persisted for over a year, causing significant distress and harm to my creditworthiness. 

I am seeking your urgent intervention to rectify these discrepancies and ensure fair and accurate reporting from both XXXXXXXX XXXX and XXXX. Specifically, I request the following actions : XXXX Score Drop : Investigate the sudden drop in my credit score by XXXX points and provide a valid explanation for this action. 
Stolen Car Situation : Review XXXX XXXX XXXX response and ensure that they address the theft of my car situation appropriately. 
I believe that fair and accurate credit reporting is essential for maintaining financial stability and trust in the banking system. Your prompt assistance in resolving this matter is crucial, and I appreciate your attention to this ongoing issue. 

Thank you for your time and consideration.
Consumer complaint received 2023-03-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Synter Resource Group, LLC. (NJ)

To whom it may concern, Thank you for taking your time to read this. Our information was given to a third party company " SYNTER RESOURCE '' from " XXXX ''. The company ( XXXX XXXX  ) uses third party delivering services ( XXXX ). We had an agreement with MRO supply for supply services ; therefore, the company initially contacted for services was XXXX supply. Our information was then given to XXXX, while not being in direct contact with them they have decided to charge us with nothing but an invoice. They do not have purchase orders ; however, we have a purchase order with XXXX XXXX and it states free shipping. Which is what the debt is in regards to. If someone could please assist, because we are getting calls from a debt collection agency. " SYNTER RESOURCE '' has not responded to the dispute letter we sent, and they have received the letter. We get an automated call with details of how much the alleged debt is everyday, and the calls do not let us speak to a live person. The company " SYNTER RESOURCE '' is unresponsive to our phone calls or emails. Any assistance would be greatly appreciated. Thank you XXXX XXXX
Consumer complaint received 2024-03-20
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. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (FL)

A newly opened Chase Credit card is showing in my Credit report. I did not open a new credit account with any company. 

Opened XX/XX/2023 {$69.00} balance {$21000.00} credit limit Contact info : JPMCB CARD SERVICES XXXX XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-20
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. (NE)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX  account number XXXX is in violation according of 15 USC 1681b reporting inaccurate information. This item is a charge off and should be reporting a {$0.00} balance.
Consumer complaint received 2017-05-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (OH)

Long story shor  t. Nationstar prequalified me for a home purchase. After signing a sales contract on my existing home and a contract to purchase a new home, almost a month later, Nationstar denied my loan. I was told it was because of a software qlich that was n't " associating '' private mortgages for other properties I own. I understand pre-qualification letters are subject to further verification. However, Nationstar took almost a month between the time all necessary documents were emailed as requested, an appraisal on the new property completed, and no hint of problems throughout the entire process.
Nationstar essentially left me with two options, neither of which are good. One, place our personal belongings in storage and sell our home of 17 years and live in a hotel or back out of my existing sales contract and risk legal ramifications.
After many conversations with other lenders and brokers, my debt to income ratio is n't sufficient for a loan amount in areas my family wants to live. I can live with that and appreciated the other lenders telling me that upfront and honestly! Unfortunately, Nationstar led m  e to believe the loan would proceed and my life plans were made acccodingly. Bottom line is the " mortgage professional '' did n't do her due diligence upfront and should have never given me a pre-qualification letter. She simply said " sorry '' and went on her way.     My income is from many rental real estate properties I own and factoring income is n't as easy as it is with  XXXX  wage earners. I had a conversation upfront with her at the beginning of  XXXX  about my income. I was informed she was very knowledgeable in this matter and had worked with numerous other individuals in a similar situation.