davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NV)

I requested a discharge of private loans from Navient, which I was granted however, I only received a small refund amount of less than 1 % of the total amount paid toward these loan since they were disbursed. Additionally, only XXXX XXXX of my original loans were eligible due to being refinanced with their sister company, XXXX, in order to escape insanely high interest rates. 

The fraudulent practices of these predatory lending schools and companies began when I signed the loan documents in XXXX, not when this discharge was approved in XXXX. I believe I am entitled to full refund of all amounts paid toward the XXXX XXXX loans ( which only make up about XXXX XXXX  of the total private loans received ). This is especially true given the fact that Navient added significant interest to these loans making them nearly twice as much as the origination amount. I am certain others in my position are receiving refunds of the amounts paid toward the loans. This is the only fair resolution to fully restore a lender who has experienced deception, fraud, and predatory business practices by the school and the lender.
Consumer complaint received 2020-12-16
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. (NJ)

IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2024-06-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

I use money gram services XX/XX/XXXX to transfer money to XXXX XXXX the amount of {$100.00} is supposed to be available for the receiver XXXX days is been XXXX weeks and the transfer still processing. I request the refund and the company doesnt want to cancel the transfer because the transaction is under investigation
Consumer complaint received 2022-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Date of transaction XX/XX/22 Amount {$1000.00} I rented a home and the person posed as a owner of the house. I paid them via XXXX through bank of america. A police report was filed, and the person is being prosecuted. However, even though I filed a fraud report with bank of america the detective also supoened the account to retrieve information. They refuse to refund my money as fraud. Bank of america has been horrific with their fraud department as well as responding timely.
Consumer complaint received 2020-12-15
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. (FL)

I checked my credit report, some information is not mine. The following accounts and inquiries contain inaccurate information. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report
Consumer complaint received 2018-06-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (AZ)

I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and GM FINANCIAL with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX.
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CLGF Holdco 1, LLC (ME)

I was prequalified for a credit card with a XXXX XXXX guarantee. This guarantee provides credit or {$XXXX} from XXXX XXXX. The credit card company was XXXX XXXX company. I applied and received an email to submit further documents which i did on XXXX different dates occasions with XXXX sets of different documents. They harvested much of my information and did not supply credit and when i reported this to XXXX XXXX  they also refused to provide support to ensure the guarantee and also did not provide me the {$XXXX} cause the credit company did not give me any adverse action. This process has gone over XXXX months and they received tons of my private info and have since spammed me since with credit offers with a higher credit limit which i would not reapply with a current application. This is fraud. This behavior is absurd and unprofessional. I hate making these complaints this is not how i enjoy spending my time! i am busy and have other more important things to do but now i have to contact you cause i dont want my personal information just harvested from a unknown bank in XXXX who scammed me for my info. I have called them numerous times with insane hold times and they just playing games with my application. This is bs. The last call i made after i submitted my electric bill which was overkill in regards to the property tax info, id, ss card and spectrum bill to verify my identity then they told me the application expired 3 days after i sent my electric bill they had all the info to process everything they are just playing games! Then i asked to speak to a XXXX and an XXXX  XXXX came on the line and stopped responding and the call did not hang up but they said hello and then wouldnt respond anymore. This is outrageous!
Consumer complaint received 2022-11-28
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. (MI)

On XX/XX/2022 I submitted a written letter to the following XXXX XXXX XXXX XXXX asking them to stop reporting the Bankruptcy listed on my credit report. 
I received a letter from XXXX XXXX XXXX  that stated they do not release any information related to my XXXX 
I then requested that XXXX, XXXX, and Experian reframe from listing the information on my credit report. No response and they failed to remove it. 
On XX/XX/2022 I submitted a CFPB complaint requesting that this be removed and no response please remove the listed the XXXX  on my credit report.
Consumer complaint received 2024-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (PA)

I submitted a property tax bill to Truist to have it paid through my escrow account. This bill is due by XXXX. The amount that is due is {$XXXX} and needs paid to the " XXXX of XXXX ''. The address that it needs send to is XXXX XXXX XXXX XXXX XXXX, PA XXXX. On XXXX, the amount of {$XXXX} was removed from my escrow account and the payment was sent. HOWEVER, THE PAYMENT WAS SENT TO THE WRONG ADDRESS. I need this check re-issued and sent to the correct place by XXXX. I should not be penalized for a mistake made by XXXX. THIS IS THE XXXX TAX BILL THAT HAS BEEN MISHANDLED ON MY ACCOUNT IN THE PAST 2 MONTHS. THIS IS UNACCEPTABLE. I have made dozens of phone calls to the Truist XXXX department, yet mistakes continue to happen.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

I was told funds would be available in XXXX hours. Next day I was told there was a hold. called back later that day and was told the back office put a hold on my money for 10 days until XXXX XXXX this is a business account and i have had it for over 5 years I have a state government checks that get deposited into this account twice a week along with a direct deposit of XXXX a month I can not conduct business and need access to my funds. I'm paying down a hard money loan of XXXX percent and they are costing me. with the mis information i could of took the cashier 's check back and just waited for cash to deposit. The inconsistent information and handling of my accounts are disturbing i constantly have to watch my accounts cause they sneek in a XXXX and XXXX dollar charge whenever they want. then they told me they charged me XXXX cause i put cash in my account. Where did I sign saying i agree to the fee. This is a business account i have a cash business.
Consumer complaint received 2022-11-28
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)

This is my NUMEROUS 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 items 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 XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX Balance : {$580.00} ; XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-28
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. (NY)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$69000.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$57000.00}. 
Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2015-11-06
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (NC)

I am the co-signer for XXXX student loans for my daughter that was taken out in 2007. She has had extenuating circumstances in her life that resulted in not being able to pay the loan and it defaulted. Now that she is getting back on her feet she is trying to fix her credit. She called Navient to work out a payment plan. They gave her a payment plan they she has been on since XXXX. The loans are being reported as a charge off. As a result, that 's the way it 's reported on my credit report and I can not get a mortgage loan until the loan is paid off. The understand that I am just as responsible for the loan because I am a co-signer but I do n't think it 's fair that the credit report says charge off when she is actively making payments.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I had a credit card debt and paid it off almost 3 years ago. I keep reporting it to the credit agencies who keep telling me they are going to remove it and they never do.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, 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. (MD)

I sent letters to each credit reporting agency about inquiries that I did not personally authorize and/or give them consent to publish and therefore negatively affect my credit report. Per 15 USC 1681b this a fraudulent of each credit report agency.

My letters demanded they verify the information and to produce the contract which clearly states that I gave them the information. They have not provided me any contracts or paperwork that bears my signature proving that I gave them permission. 

These letters were sent XX/XX/XXXX for which I have certified mail receipts. I t has been more than 30 days and my credit report is still fraudulently publishing information without my consent/permission by proof of signature.
Consumer complaint received 2024-05-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC (CA)

XX/XX/2024 i called flagstaff to resolve a mortgage issue and file for loss mitigation to bring my mortgage current. they sent the packet and i filled it out and sent everything they asked for me to send. all documents. after telling me everything was received they told me weeks later i was missing documents and my time to get them in had expired. i resent the documents and added the information needed. i rewrote a letter they asked for 4 times. they kept asking for the same thing on one form when they could have told me all at once causing all my other documents to expire and therefore causing me to miss the deadline over and over again dragging out the process. I contacted my HUD housing counselor to review all of this going back and forth. He did a conference with Servicer myself and he on the call to review once again information they were requesting after I have just resent once again the same information. The housing counselor state to the servicer he would fax all documents to their loss mitigation department. Requested a fax number XXXX for documents to be sent too. It is noted that I have a copy of the fax 's sent as well as my HUD housing counselor.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX and XXXX XXXX I began receiving at least 10-15 calls and text messages per hour from mortgage wholesale lending companies. Some are aggressive and XXXX.I recently agreed and submitted an application to check what I qualify for to purchase a home and when they pulled my credit report I started receiving unwanted calls and text messages. I was told that credit reporting agencies sell information to these companies. This is disgusting to think my information was shared without my knowledge. 

I have since taken the following action : - Added my phone number to the " Do not call registry '' - Completed the 5-year pre-screen opt-out - Submitted a freeze on my account- I called XXXX and the representative just kept saying she could only see my credit report and was not helpful in telling me how these companies were accessing my information.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions 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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-03
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. (MI)

How is XXXX & Experian verifying the information listed as XXXX XXXX when the account has been deleted from one report. The consumer agencies must maintain 100 % accuracy and it must match across the board but this account can not be verified because the current account is involved in litigation with me and therefore this account can not be included on my consumer report.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/23 I deposited a check made out to myself from the XXXX XXXX of Massachusetts for {$20000.00}. I received correspondence that the check was received however they were afraid it would be returned and therefore the bank was waiting until XX/XX/23 to clear the check. All of this was fine. Subsequently on XX/XX/23 when I went to make a purchase for {$5.00} which was already available in my account the charge declined. I checked my banking app and noticed there was a freeze on my account. The XXXX number they have listed and direct you to goes straight to a voicemail where I left numerous messages and got NO return call. I then went through the phone prompts on XX/XX/23 as if to dispute a transaction and got to a live representative. After speaking to the fraud specialist I explained my situation provided the phone number to the county clerk whom issued the check. The representative from the bank contacted the clerks office by phone. I also emailed the receipt proof that the check was made out and intended for me. Capital One informed me the freeze would remain for an undetermined amount of time which is preposterous. How is it possible for a financial institution to legally steal your money for an indefinite amount of time.
Consumer complaint received 2022-11-28
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXXXXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Company sold - Account type Debt Buyer Date opened XX/XX/2022 Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/2022 Balance {$480.00} Balance updated XX/XX/2022 Original balance - Paid off - Monthly payment - Past due amount {$480.00} Terms 1 Month Responsibility Individual Your statement