davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

My name is XXXX XXXX I am aXX/XX/XXXX XX/XX/XXXXmostly patients XXXX and above in XX/XX/XXXX XXXX FL XXXX I finished my training programs in XXXX and wanted to serve my community better so I got a job with a non profit with XX/XX/XXXX. 

In XX/XX/XXXX I started working as a XX/XX/XXXX with XXXX XXXX XXXX of XXXX. Tax ID/EIN- XXXX My wife wanted our kids to be closer to their grandparents- so we moved to Florida. I stopped working at XX/XX/XXXXin XX/XX/XXXX - So I worked for this non profit employer about 3 years and 9 months. 

I started working for XXXX XXXX XXXX XXXX XXXX XXXX on XXXX I am currently employed by XXXX XXXX XXXX XXXX XXXX the XX/XX/XXXXXXXX their Tax ID/EIN- XXXX. 

I have been paying off my student loans since XXXX. I consolidated my federally subsidized and unsubsidized student loans around this time with SallieMae. These loans were converted to Navient loans automatically in XXXX. I have since been making student loan payments with Navient. 

I have been working at non-profit clinic for about 11 years now. Someone mentioned this Public Service Loan Forgiveness program. This week I went on the StudentAid.gov website to learn more. The two non profit companies I have worked for since XXXX are " Eligible '' but the website is telling me I have to have to have 10 years of " Direct Loan '' payments to qualify and not FFEL loans-Family Federal Education Loans ( the Navient loans I have been making payments on are FFEL loans ). 

Many other applicants have had this problem and complain the PSLF program is a poorly run Federal Program-as documented in these articles. 

https : XXXX https : XXXX? XXXX https : XXXX The current system is hostile to the student loan borrower and does nothing to promote working for non profit programs. Here are my complaints : -Many employees of qualifying Non-Profit companies ( possibly over half of employees ) with college degrees have federal student loans. Most non profit companies do not tell their employees about the PSLF program. 
-For many paying off Federal student loans the PSLF program remains a secret program. 
-In XXXX when I started making loan payments- Sallie Mae before Navient did not explain the PSLF program. 
-My loans were automatically transferred from Sallie Mae to Navient- Navient did not explain the PSLF program. 
-The Department of Education never contacted me- as a non profit employee making loan payments- about the PSLF program. 

if you want to reach me that would be great- my email is- XXXX and my phone number is XXXX thanks. I have faith that the US Department of Education really cares about people like me who have devoted their lives to public service. I'm surprised XXXX XXXX hasn't fixed these problem yet- President Trump says she's really smart. He knows all the best people.
Consumer complaint received 2021-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

In XXXX I took advantage of a program called XX/XX/XXXX I qualified for $ XXXX assistance that went towards my principal that brought my home in line with the current market value. In XXXX, XX/XX/XXXX transferred the servicing of my loan over to Select Portfolio Servicing. I have been trying for the last year to have the PMI removed in which they were the ones who initially brought to my attention that my LTV value would permit it. They have giving me the run around after I paid their BPO they use {$120.00} to come out and give them the value of my home. The PMI costs me {$99.00} per year, which in turn has cost me over {$1000.00} and climbing because they refuse to release that amount due every month. We have gone back and forth from them telling me that I don't qualify due to having been late on my payments, to the value of my home, etc. When you call the company most of the representatives seem to not even be familiar with the mortgage process or verbiage when asking questions. So there in itself seems as though they hire incompetent people to assist homeowners. The balance on my home is {$150000.00}, the value of my home is over {$220000.00}. I feel like I'm apart of some type of predatory servicing company.
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is my second complaint I have reached out to the bureaus and I have received no response of my dispute. According to the FCRA the rules have 60 days to respond due to the pandemic. I am beyond frustrated with this issue I sent my letter to the company I have no notice that they have even. Started an investigation I want results now!!! I sent that letter out on XX/XX/2020. There is no reason it should be taking this long please send me results immediately
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2021-01-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I submitted a request of investigation on my credit report via United States Postal Service on XXXX20 to XXXX, XXXX  and Experian. I have not received a response from neither company.
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

For the past several years, I have attempted to get Equifax to correct longstanding errors on my credit report. Equifax has my information mixed up with that of a woman with the same name and birthdate as mine. However our middle initials and Social Security Numbers are different. Equifax is reporting the other persons SSN on my credit file as well as her accounts, many of which are delinquent. 

My latest attempt to get Equifax to correct their errors was on XX/XX/2021 when I disputed the erroneous data via Equifaxs online dispute mechanism. However instead correcting the errors, Equifax is instructing me to contact the companies who are allegedly reporting the erroneous data to Equifax. I tried to contact Equifax by phone to discuss the dispute however I was provided a number for a recording which would not connect me with a live agent. This occurred on 3 different occasions. I might add that there was the same problem with my XXXX  and XXXX  Credit Reports, however those companies corrected the erroneous SSN and accounts within a few days.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (CA)

I called Wells Fargo asking why all of a sudden, my interest rates are so high, they did not provide a answer other than " Thats the way it is with interest '' they were rude, gave no sense of direction or explanation or expectation. Or sympathy. I got a interest rate charge of XXXX with no given reason. 
I paid more than the minimum due as well, never pay just the minimum due.
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX : {$3600.00}.
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In XXXX Equifax deleted XXXX XXXX for {$940.00}. I checked my reports on XX/XX/2021 and seen that the account had been added back to my credit reports. I thought the credit bureau is supposed to send me a letter 5 days prior to adding this account back on my reports. Equifax never sent me anything. This account shouldn't be on my credit reports.
Consumer complaint received 2021-01-09
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. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-03-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (AZ)

I was misled into believing I had an offer. They performed multiple hard credit inquiries for the same product. Each time they had a question that they had to stop they would make a new inquiry on my report for the same loan. Then they withdrew the offer.
Consumer complaint received 2021-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Phoenix Recovery Group (TX)

Phoneix Recovery Reporting Negative Collection account to Credit Bureaus XXXX XXXX and XXXX for an Account related to ID Theft at XXXX XXXX XXXX. Requesting Permanent and Immediate Removal and Discharge of Unauthorized Balance.
Consumer complaint received 2023-05-26
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. (CA)

I am in total disagreement with your investigation responses. 
The incorrect items listed below still appear on my credit report, even after you their investigation. I would like these items immediately re-investigated and for good cause. 


XXXX XXXX XXXX : Inaccuracies Last verified date Date of last activity Date reported Date opened Date closed Last payment Account type Credit limit Account number XXXX XXXX XXXX Last Verified : Date of Last Activity : Date Reported : Date Opened : Closed Date : Last payment XXXX XXXX XXXX High Balance : Last Verified : Date of Last Activity : Date Reported : Date Opened : Balance Owed : Closed Date : Please see the several issues on my report and address them accordingly : These inaccuracies are highly injurious to my credit rating and are being reported across all credit bureaus. These inaccuracies fail to meet FCRA requirements. 

I have never received a 1099 form for the above charged off accounts 15 usc 1692 g I do not recognize how these accounts are reporting on my credit report I dont recognize the account number, status, high balance, or late payments associated with it. everything reported here does not meet the FCRA reporting requirements Fair Credit Reporting Act, Section 609 I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding the items listed above that are listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation.

Please provide : 1. The names and business addresses of everyone with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections. 

Your cooperation and prompt attention are required by law. 


Sincerely, XXXX XXXX
Consumer complaint received 2021-01-09
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. (MI)

My information was used without my consent to open these accounts at this time I asked for accounts to be removed. If anything is inaccurate on my report with these accounts remove that as well do the fair cred repair act and that I am trying to better myself in life I wan na be able to provide to the youth and my family.
Consumer complaint received 2023-03-04
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. (IL)

Dear TransUnion Bureau, There are some Fraudulent Hard Inquiries on my credit report, I already have notified the lenders that it wasnt me who applied and made sure no new fraudulent accounts were opened. I called you several times and informed you about fraudulent applications, but these inquiries are still being reported on my credit report. 

Im enclosing the Identity Theft Report to this letter. I didnt file these inquiries, please remove them from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (AZ)

A LETTER WAS MAILED TO MY MOMS HOUSE ( WHICH I DO NOT LIVE THERE ) FROM MIDLAND CREDIT MANAGEMENT SAYING IT WAS A DEMAND FOR PAYMENT AND I NEEDED TO PAY A DEBT IN FULL OR THEY WILL SEND THIS TO AN ATTORNEY IN MY STATE AND GOES ON TO STAY THEY THEN WOULD THEN FILE A LAWSUIT.NOT ANYWHERE DID IT EXPLAIN MY RIGHT TO DISPUTE THE CHARGES.I DO NOT AGREE WITH THE CHARGES AND THE CHARGES ARE WRONG.THERE WAS NO BREAK DOWN OF CHARGES, PAYMENTS XXXX XXXX. THE Fair Debt Collection Practices Act ( FDCPA ) SES THEY ARE TO ADVISE ME OF MY RIGHTS TO DISPUTE, THEY DID NOT.WHAT THEY DID DO WAS THREATEN TO SEND THIS DEBT TO AN ATTORNEY AND SUE ME, ANOTHER TACTIC THAT VIOLATES THIS ACT.
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I never received a bill. I been having problems in life period. First i would like to add that i was XXXX XXXX XXXX XXXX and having a XXXX XXXX. I have XXXX XXXX and XXXX Im not lazy i just hve a harder time then most. I was working at my job for 5 years. I lost item in house fire XXXX. Then in XXXX i lost most of my income do to losing my job as a XXXX XXXX. I aslo lost my child support for {$1100.00} a month. I had a hard time just paying rent and food for my XXXX child. I have been trying to get capital one to understand but they just dont care. It was a secured credit card {$500.00} limit. I needed to pay XXXX plus they keep the XXXX. When i got my stimulus check i paid the XXXX they said they would delete late payments and it would say settled payed for less then full. They lied! And i will pay the rest since i started bck working XX/XX/XXXX and i got a new place to live. XXXX  is stating that is up to Capital One who will quickly respond and say no they will not update. Please help me. Im sorry i dont think i will open another cc with capital one. I will pay in full plus all late payments. I will give them my whole check. Can they just understand that life happens and its harder for some then others. Not making excuses but come on covid19 late payments in all.of XXXX amd u will not fix its not right. I barely had enough money for food and rent. I dont like making excuses but they did mislead me and im willing to do anything to get this removed
Consumer complaint received 2024-02-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/XXXX, Venmo suspended my account. I've had my account in good standing for years now, and the only change I made was to add a XXXX bank account to transact. Immediately after attempting to link the accounts via Venmo 's account linking portal, I was notified that my account was closed. 

The Venmo app said that I'd receive an email containing more information about my account suspension, but the email I received only asked for a picture of my driver 's license to verify my identity. I used the upload link they provided right away. They didn't tell me why my account was suspended. 

Two days later ( XX/XX/XXXX ), after hearing nothing, I submitted a help request to seek further information. An employee responded to my request to say they'd reviewed my ID, but that another team would need to review my case and that they'd get back to me in 10 - 15 days. He requested that I reply to the email with other questions, but Venmo has been silent since then. 

I've called and had an online chat with the Venmo support center, and all I was told is that for account suspensions, the only way I can get information is via email. Yet, as I've written, they haven't given me a reason for my suspension. If there is fraudulent activity or a potential identity theft, I need to know ASAP. 

Venmo is not making it easy to get any help or assistance on this issue, and they're not providing information to me to understand what may be going on with my account.
Consumer complaint received 2024-03-22
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. (CA)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I bought some cryptocurrencies through my bank for a total of XXXX dollars. By means of chase bank to crypto.com and I was a victim of fraud, I made the appropriate complaint to the respective entities and with none I have managed to get an answer and I consider my bank should have warned me or protected my money by seeing the amounts that were being handled.
Consumer complaint received 2021-01-09
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. (MI)

noticed some accounts opened that im not aware of without my consent anything reporting inaccurate or fradulent i ask that it be deleted immediately or it would be against my Fair Credt Repor rights. use my credit to support my family & myself i want to grow in life and this is really affecting me.
Consumer complaint received 2021-01-09
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. (MI)

noticed some accounts opened that im not aware of without my consent anything reporting inaccurate or fradulent i ask that it be deleted immediately or it would be against my Fair Credt Repor rights. use my credit to support my family & myself i want to grow in life and this is really affecting me.
Consumer complaint received 2021-01-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC (TX)

XXXX XXXX XXXX has refused to supply any proof of any kind except to deliver a standard letter that the matter is under litigation. As a result of their unaudited practices ( nationwide ) by state and federal regulators, XXXX XXXX XXXX has filed and won ( mostly by default judgment ) hundreds of court cases here the XXXX Texas region with the aid of Scott & Associates , PC. Soon, those judgments will materialize in garnishment of peoples income and/or a lien on their bank account - unbeknownst to them right now during a Pandemic. 
PLEASE ACT AGAINST THESE COMPANIES.