davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-18
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. (CA)

This is my first year of repayment on student loans from XXXX   school. I applied and qualified for the REPAYE program, and have been paying monthly via Auto Pay sinceXX/XX/XXXX.

While preparing to file my XX/XX/XXXXtaxes on XX/XX/XXXX, I searched for my student loan interest tax document on Navient.com. When I was logged on to the Navient site, I found a message dated XX/XX/XXXX : " XX/XX/XXXX Your Navient Account Information It's time to renew your REPAYE Plan! '' I checked my email correspondence, and I had received no emails from Navient that referenced REPAYE renewal/recertification in any way. Since I am enrolled in Auto Pay for two separate Navient payments, I receive between 6-10 emails from Navient every month. All of the other emails I've received contain some reference to their subject : " Auto Pay Payment Reminder, '' " Here 's your monthly statement, '' and even " IMPORTANT TAX RETURN DOCUMENT AVAILABLE, '' but the emails which Navient claims were supposed to alert me to the REPAYE renewal deadline contain absolutely NO reference to the renewal or any urgent action necessary.

In fact, every month I receive multiple messages with the subject " Navient Account Information '' that simply confirm my automatic payments. It seems ridiculous that a message with that same subject would contain a link to the vital and urgent information about recertifying my REPAYE application. It is absurd that these particular emails would contain no relevant information about their purpose, and yet Navient uses all caps to alert me that there is " IMPORTANT TAX RETURN DOCUMENT AVAILABLE. '' I called Navient on XX/XX/XXXX, and was told I had been kicked out of the REPAYE plan for not submitting the recertification documents in time and would have to reapply, and was pushed to accept a forebearance in the meantime since I can not afford to make payments at the " alternative repayment '' rate of {$1800.00} beginning onXX/XX/XXXX. My monthly payment while on REPAYE was {$320.00}.

I am currently attempting to recertify and appeal the actions taken by Navient. Their unethical communication practices have already taken a toll on my finances and on my mental health. Again, this is my first full year of repayment on these loans and the first time I was supposed to recertify for the REPAYE program.
Consumer complaint received 2021-01-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CA)

A buyer purchased a digital download code from me on XXXX and paid through PayPal on XX/XX/XXXX. Code was delivered to her at XXXX on XX/XX/XXXX. Buyer redeemed code and so is no longer eligible for return. On XX/XX/XXXX, buyer filed an unauthorized transaction through PayPal. PayPal gave her the money back plus charged me {$15.00} in addition and did not return my property. 

When I filed a dispute with PayPal, they told me intangible goods are not covered by their seller 's protection policy. This is untrue. The Seller 's protection policy is located here XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and states " For intangible or digital goods : You must provide compelling evidence that the intangible item or digital good was delivered or provided as described '' I provided compelling evidence as described, including an XXXX message received from the buyer asking me to send the download code and an XXXX  message from me to the buyer sending the code. The buyer redeemed the code and had access to both her PayPal and XXXX  accounts and I should not be liable for the charges. 

When I contacted PayPal, they changed their tune, and no longer said intangible goods were not eligible. They said they couldn't do anything because the buyer 's credit card was refunded. I had no contact with the buyer 's credit card, and the whole point of the seller 's guarantee is to insure buyers can not just turn around and ask for a refund from the credit card after stealing the item from the seller. 

I would like a refund from PayPal for the charge as well as for the additional charge they're charging me. 

Case ID : XXXX Transaction ID : XXXX
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-10-18
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. (FL)

I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 


XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-10-29
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. (CA)

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 items 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 items 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. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  XXXX  XXXX Balance XXXX {$140.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-03-08
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: Experian Information Solutions Inc. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-31
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: EQUIFAX, INC. (TX)

I have reached out to XXXX and Equifax multiple times concerning the manner in which XXXX XXXX 's information is being presented on my credit report. This account indicates that it went into collections in XXXX of XXXX ; however, Equifax indicates that the last payment was made in XXXX of XXXX, while XXXX states that the last payment was in XXXX of XXXX. I requested a comprehensive investigation and asked for sufficient evidence that the investigation was caried out. Despite this, I did not receive any communication regarding my dispute. It is evident that a thorough investigation could not have been completed as there are still several inaccuracies present on my credit report. According to the law, XXXX and Equifax are obligated to ensure that they report information with the MAXIMUM POSSIBLE ACCURACY.
Consumer complaint received 2023-08-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I sent letters to all three credit reporting agencies on XX/XX/XXXX to correct my address and removing all others and have not received a response from them. They are violating my rights. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
Consumer complaint received 2022-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (IL)

Our credit was wrongly reported by Flagstar bank : We set up an autopayment with the bank since the opening of the account, but it appeared to have stopped working in XX/XX/2022. In XXXX, we received a letter from Flagstar and realized the automatic fund drawing needed to be fixed. So we called the company to schedule the missed payments and were told our account had been past due and had been reported to credit bureaus. As a result, our credit scores were hurt, and we would like Flagstar to correct this as soon as possible. 

Thanks!
Consumer complaint received 2022-10-29
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. (FL)

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 2023-12-08
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I, XXXX XXXX XXXX, am writing to bring to your attention a significant matter regarding my credit profile. Over the past three years, I have fallen victim to multiple instances of identity theft, resulting in numerous compromised credit accounts. In response to this unfortunate situation, I have taken necessary steps to notify all credit services and creditors to cease reporting these accounts on my credit profile. Additionally, I have filed an FTC report as supporting evidence.

Regrettably, the continued reporting of these compromised accounts on my credit profile has left me with no choice but to pursue legal action against the credit services involved. It is important to note that individuals and entities persisting in reporting these fraudulent accounts may potentially be named in the pending lawsuit for violating the Fair Debt Collection Practice Act.

Therefore, this correspondence serves as an official notice urging the immediate cessation of reporting any fraudulent accounts listed. I hope for your cooperation in rectifying this matter promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-05
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (FL)

XXXX XXXX XXXX U.S. Bank Customer Service XXXX XXXX XXXX XXXX, OH XXXX Subject : Formal Complaint Regarding Negative Credit Report Due to Natural Disaster Assistance Program Dear U.S. Bank Customer Service Team, I am writing to formally express my concern and disappointment regarding a negative impact on my credit report following my participation in U.S. Banks mortgage payment assistance program, which was offered to those affected by Hurricane Ian. As a loyal customer with a previously excellent credit history, I am frustrated with the miscommunication and lack of transparency around this program, which has had significant consequences on my financial well-being. 

On XX/XX/XXXX, shortly after Hurricane Ian devastated XXXX XXXX, I contacted U.S. Bank to inquire about potential relief programs due to extensive damages my property suffered during this Category 5 hurricane. I was informed of a three-month payment pause program to assist customers impacted by natural disasters. However, I was not advised that participating in this program would result in negative reports to credit bureaus. Had I been fully informed of these consequences, I would have reconsidered my options. 

On or about XX/XX/XXXX, I discovered that my credit score had dropped drastically, from XXXX to XXXX, due to this assistance program. This unexpected decline in my credit score has created a lasting financial burden, as it affects my access to credit and raises costs on essential financing. 

Upon contacting U.S. Bank to discuss the issue, I was told by a representative that they were sorry I didnt get the full information. I find this response unsatisfactory, as it implies that the burden of understanding program limitations was on me, even though I relied on U.S. Banks guidance in a time of crisis. 

In light of the above, I request that U.S. Bank take the following actions : Amend my credit report to reflect that the payment pause was part of an assistance program and not a delinquency, in order to mitigate the severe impact on my credit score. 
Ensure clear communication for all future assistance programs, specifically detailing any potential impact on customers credit reports, so that others do not face similar issues. 
Provide confirmation of the steps taken to correct the reporting error on my account. 
I trust that U.S. Bank values its customers and understands the extraordinary circumstances that arise after natural disasters. I hope you will review this matter with urgency and compassion and take appropriate action to resolve my concerns. 

Thank you for your attention to this matter. I look forward to your prompt response and to working together toward a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX Bank account number : XXXX
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

Acc Name : XXXX XXXX XXXX, Acc Name : XXXX XXXX  XXXX, Acc Name : XXXX XXXX, Acc Name : XXXX XXXX, Acc Name : XXXX XXXX, Acc Name : XXXX XXXX  XXXX XXXX XXXX Acc Name : XXXX XXXX Acc Name : XXXX  XXXX Acc Name : XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-05
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. (NY)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. ( Therefore I would like my privacy to be respected. ) 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. ( At no time at all did I give ANY type of instructions, written or verbal.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I went ahead and highlighted the inaccuracies in the attached documents from the three consumer reporting agencies. 
Examples of these inaccuracies are, ( XXXX ) In XXXX XXXX credit history XXXX XXXX payment history is showing as Unknown, and in XXXX the payment history is showing as 44 potentially negative months. ( XXXX ) XXXX is showing XXXX and XX/XX/2023 payments for XXXX XXXX as being on time even though it should have been documented as CO for that period. These are just some inconsistencies, please see the attached documents for a full comparison. 

These inaccuracies are impacting my ability to purchase a house for my family. It's also preventing me from being able to apply for and attain employment in various fields.
Consumer complaint received 2017-08-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

I applied to recast my loan with Nationstar mortgage. I completed all the forms and have a copy of my new monthly payment. Nationstar appeared to have applied the money towards the principal instead of recasting the loan thus my monthly payment has not been lowered. The customer service supervisor told me it was a different department and could do nothing, she gave me an e mail address and told me to try that. I am still waiting for a response. In the meantime I am getting calls stating my payment is over due even though I am current and up to date.
Consumer complaint received 2023-07-20
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: Experian Information Solutions Inc. (TX)

This is my first CFPB complaint to inform you that time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 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