davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

For the past few years I have been struggling to pay my private student loans through Navient. I have a monthly payment of around {$670.00} which was based on my previous job as a salaried employee which I set up a few years ago. They refuse to lower my principle monthly payments and will only offer me interest-based only monthly payments which defeats the whole purpose of paying back these loans. I have done this in the past but I believe I was mislead to doing this a few times which has extended my payments. This is in addition to Navient creating difficulties for my repayment by providing misleading information including guiding me into entering loan forbearance in addition to other avenues that led to my crumbling credit score. This does not include the thousands of harassing phone calls that I and my family ( the cosigners ) have received, every day, multiple times a day
Consumer complaint received 2020-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

I have paid my bills on time or owe nothing on them but my credit score was lowered to XXXX and my account was closed. I never had a loan and I have very few inquires in less it was made by the same company synchrony. It all started during the coronavirus 19 when they did a mass account close of my accounts within less than 2 weeks. I have gotten letters for everyday almost. My score was higher than XXXX. So this will effect me during this time if I need a used car to care for my family if they need to go to the doctor or go to get food. This is not right and I plan to post this on XXXX.
Consumer complaint received 2024-02-26
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Credence Resource Management, LLC (NC)

They never verified the identities of neither me nor my wife and make sure that there's legitimate purpose for receiving these non stop calls over an XXXX XXXX XXXX debt that was resolved. It was resolved and the only way they would allow us to port our numbers to a new carrier. I feel this is a violation of my rights and privacy and need a resolution.
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Selip & Stylianou, LLP (NY)

In XXXX I asked for proof of debt law office of Selip & Stylianou , LLP in XXXX XXXX XXXX XXXXXXXX XXXX Ny XXXX, they failed to provide me with that information. I also sent them a cease and desist letter and they still continue to come to the place I resign and share information with people that has no business regarding to this issue that I dont agree with.
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 
Us Bkpt Ct Bal XXXX Bankruptcy Filed XXXX This is old and have to removed as soon as possible. 

Although it is your policy to keep reporting bankruptcies which are filed or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.
Consumer complaint received 2020-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CO)

I booked a hotel with Chase Sapphire Rewards using points for one night on XX/XX/2020 in XXXX XXXX. It was XXXX points ( equivalent to {$160.00} ). The reservation was originally listed as " nonrefundable ''. 

Here is the reservation information : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Al, XXXX XXXX XXXX Reservation dates : XX/XX/2020 - XX/XX/2020 Itinerary # : XXXX When my trip was approaching, I could not travel out of the country due to COVID-19 and XXXX put out a policy saying that it would refund all reservations during this time, even nonrefundable ones. 

On XX/XX/XXXX, I called Chase Sapphire Reserves to cancel the reservation - they put me on hold and called the hotel. They came back on and told me that they couldn't cancel the reservation and refund the points until the hotel cancelled it on their end and agreed to refund it. They told me that I needed to email the XXXX XXXX hotel and request this. I called and emailed this hotel multiple times - there was a significant language barrier as you will see in the attached email correspondence. They kept telling me that I booked this through XXXX and paid in cash, which is not true. I finally got them to tell me on the phone that they had never received any money for the reservation, and they would honor the cancellation. 

I have called Chase Rewards back 3 times since then, each phone call taking almost an hour with wait times - every time I got through the same process of them calling the hotel, then them telling me to email the hotel. I explain that I have already done this and that they just need to refund the points at this point. Twice now, the agent has said that they are filing a request with the hotel and then once the hotel confirms their cancellation policy, they will refund the points. The trips dates have now come and gone and still now refund - now I can't even reach an agent with Chase Rewards because my trip isn't within the next 72 hours. 

I want either a credit in points or dollars for what I am owed.
Consumer complaint received 2022-12-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is not deleting a public record showing ony report as XXXX. The Bk court does not have any varifiation as being mine nor they respond to any third parties verification companies. Transunion keeps on saying that the court verified it accurate but that is not true after speakig with the BK court. Transunion keeps on ignoring my request to clear it as the other bureaus have already done.I mail transunion a report from XXXX and a letter from the FTC but yet transunion refuses to validate them.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting of Transunion an early exclusion ( deletion ) of an account that is currently been reported on my Transunion credit report. The account is scheduled to drop off my credit report in XXXX of 2022. This is based on the last credit report that I got from Transunion. Transunion 's policy states that persons can request for an early exclusion ( deletion ) up to XXXX months before the account is scheduled to be deleted from the credit report. It is now 6 months before an account that is listed on my credit report is scheduled to fall off. 
I am therefore asking an early exclusion ( deletion ) of a XXXX  XXXX XXXX account from my credit report please. The account number for that account is XXXX ..... 
This is account is schedule to be dropped off my credit report in 6 months time. It is with that in mind that I am requesting an early exclusion ( deletion ) of this item from my credit report. This request is made based on the policy of this company that of giving persons up to six months before the schedule deletion date to request that an item be deleted.
Consumer complaint received 2020-04-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (DE)

We wife and I are experiencing financial hardship as a direct result of the COVID-19 national emergency. I reached out to Freedom Mortgage, who services my loan, and requested 180 days of forbearance in accordance with the CARES act signed into law last Friday. They informed me of the following : -90 days was the maximum period allowed. 
-I would be reported as delinquent. 
-I must submit a 6 page document outlining my complete financial situation to be eligible. 
-My verbal attestation of a financial hardship was not sufficient. 
-The ONLY repayment option is a lump sum payment after the forbearance period has concluded. 
-Adding the payments to the end of the loan was impossible without performing a " Loan Modification '' which would adversely affect my credit. 
-After going through all of this and asking to escalate to someone higher up who could answer my questions, I was conveniently hung up on, with no other recourse except to enter into the phone wait system again which was well over an hour long at that point.
Consumer complaint received 2020-03-26
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: Experian Information Solutions Inc. (SC)

I noticed a hard hit on my credit report I never authorized by a company called XXXX. NO ONE never asked for my consent to obtain my credit report nor to make a hard hit. Experian never shouldve allowed this.
Consumer complaint received 2020-03-26
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken ()

In XX/XX/2018, I became a victim of Mr. XXXX XXXX ( " the scammer '' ) ( https :  XXXX ) via XXXX. He introduced himself as a Bitcoin Miner and Binary Options Trader. He advertised me trading servises as a broker promising 5 % of the commission for mining bitcoins and 15 % for trading options for third parties. Mr. XXXX accompanied me for almost two years as a trading expert, and also maintained contacts with trading companies trademerits.com and XXXX. All moneys was transferred from my e-wallet to the scammers e -wallet for a total amount of {$45000.00}
Consumer complaint received 2020-04-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (CA)

Wellfargo charged me monthly maintenance fee. I deposited {$340.00} on XX/XX/2020 @ XXXX via XXXX before the withdrawal {$340.00} on XX/XX/2020 @ XXXX via ATM, but Wellsfargo posted the transactions on two different days and reversed! The ATM withdrawal is on XX/XX/2020 ( same day which is impossible! ) and XXXX deposit on XX/XX/2020. Then, they charged me for monthly maintenance fee. 

Also, I contacted them 3 days ago and they haven't replied anything yet. I have all the documents to prove these incidents.
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MO)

On XX/XX/XXXX XXXX XXXX XXXX while on the phone with that companys sales lady and the web site. I purchased a {$500.00} gift card for {$450.00} and made a purchase that was confirmed and informed by the sales lady they would ship in three day. Item was never shipped. On the XXXX of XXXX I was told the girl who took the order made a mistake and to reorder on the web site. I was unable to reorder because their web site indicated it was already ordered. They have no record of it being ordered. The web site will not allow me to order indicates the item was already ordered. They refused to give me a refund for the gift card where no item was ever shipped. 
I contacted CitiBank to stop payment around XX/XX/XXXX. They said they would send me a letter to fill out and return. I never received the letter. Called Citibank they said they will send a new letter via email on about XX/XX/XXXX. 
Called Citibank again and was told then never received the dispute letter back of XX/XX/XXXX. I obtained the dispute reference number from Citi bank XXXX XXXX XXXX XXXX to be sent via email to XXXX I sent them the documents twice, over the next two months and they acknowledge receiving the information in a return email. I asked them to have XXXX XXXX XXXX provide evident they shipped the item and that I signed for it. 
Now on about XX/XX/XXXX Citi bank says there sorry because the time limit has elapsed and I will have to pay {$450.00}. 
Called Citibank on XX/XX/XXXX and the lady told me she can see where the letter that was supposed to be sent to me via email on about XXXX XX/XX/XXXX was never sent. She went on to say its to late to reopen the case and because of the virus there is a very small staff to handle the case that has been closed. 

XXXX XXXX
Consumer complaint received 2022-11-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

Hello, I submitted a request to all three major credit companies, Equifax, XXXX, and XXXX, on XX/XX/2022. I asked to have an investigation done on various accounts on my credit report, including some that I stated may have been fraudulent. I sent my inquiry letters by certified mail and got a receipt of delivery which I can provide if needed. I received a response from only one company Equifax on XX/XX/2022, requesting more information. This was sent 5 months after receiving my initial request. I received no response from the other two companies. It is now XX/XX/2022. This is unacceptable and from my understanding, they are to remove the requested items due to their lack of response.
Consumer complaint received 2020-03-25
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. (GA)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. EXPERIAN : XXXX   XXXX/XXXX # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1200.00} XXXX-XXXX  XXXX # XXXX {$2500.00} XXXX/XXXX # XXXX {$2900.00} XXXX/XXXX  # XXXX {$500.00} XXXX/XXXX  XXXX  # XXXX {$8800.00} XXXX/XXXX  # XXXX {$400.00} COLLECTIONS # XXXX {$270.00} COLLECTIONS # XXXX {$90.00} COLLECTIONS # XXXX {$36.00} XXXX  : XXXX XXXX XXXX  XXXX # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1400.00} XXXX XXXX # XXXX {$920.00} XXXX/XXXX XXXX  # XXXX {$8800.00} XXXX  : XXXX XXXX XXXX  XXXX XXXX # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1400.00} XXXX # XXXX {$920.00} XXXX/XXXX XXXX  # XXXX {$8800.00}
Consumer complaint received 2020-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XXXX  Dispute Regarding USAA requesting USAA VERIFY THE ACCURACY OF INFORMATION DISPUTED. see attatched United States Postal Inspector Service CRIMINAL INVESTIGATIONS SERVICE CENTER USPS DELIVERIES NOT DELIVERED. ZIP XXXX FROM XX/XX/XXXX THRU XX/XX/XXXX DATED XX/XX/XXXX. 
USAA Refuses to Provide Original Written *Signature ( Delivery Accepted Picked Up at Post Office ) or * ( Delivered Into My Hands ) per my agreement with merchants. USAA BY LAW MUST VERIFY WITH WRITTEN DOCUMENTATION USAA COLLECTS ON ID THEFT. USAA DOES NOT REPORT ACCURATE CREDIT INFORMATION.
Consumer complaint received 2020-04-04
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

So on XX/XX/2020 I got my prepaid card in the mail. When I went to activate the card it would not work. It was telling me I was putting invalid information but I am putting everything in correct.
Consumer complaint received 2020-03-26
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: EQUIFAX, INC. (NY)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of  the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX, XXXX. XXXX Unverified Account XXXX XXXX XXXXK XXXX Unverified Account XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Unverified Account Phone # : ( XXXX ) XXXX
Consumer complaint received 2020-04-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc. (FL)

Collections on behalf of XXXX XXXX XXXX - {$1400.00} ( XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX On XX/XX/18 I was to move into XXXX XXXX Apartments. I moved in after-hours on Friday, XX/XX/18. When I entered the apartment, there was a strong foul smell of mold. The apartment was not clean and I was concerned about the shabby construction ( particle board cabinets, kitchen/bathroom counters, and closet walls, and a craft spray-on paint for counter surfaces ; also, visible mold and a water leak under the kitchen sink ). On XX/XX/18, I spoke with on-site assistant manager XXXX XXXX to tell her that the condition of the apartment was not acceptable and that I did not intend to stay. The apartment was completely different from the model I had been shown. She did not offer me options. I stayed a few more days, but the mold smell gave me migraine headaches. On XX/XX/18, I verbally informed Ms. XXXX I would be vacating before the end of my first month. She said I'd need to speak with the Property Manager, who was away on vacation. On XX/XX/18, I met with Property Manager XXXX XXXX and told her I would be vacating before the end of the month ( XX/XX/18 ) primarily due to the hazardous condition of the apartment - a bait & switch, but also due to having lost my job in a workforce reduction lay-off. I paid {$660.00} XXXX on XX/XX/18 ) for first month 's pro-rated rent and utility deposit, and {$250.00} rent deposit ( on XX/XX/18 ). Per my conversation with Ms. XXXX, I cleaned and vacated the apartment on XX/XX/18. On XX/XX/18, I emailed Ms. XXXX to inform that keys were being mailed back, utilities already shut off, and I attached both my Move-In Inspection Report and photos of the poor condition of the apartment. I sent keys via Certified Mail on XX/XX/18. I did not hear from XXXX XXXX XXXX until a " Notice Of Intention To Impose Claim On Security Deposit '' arrived XXXX dated XX/XX/18 ). The letter stated they were keeping my full deposit and subtracting it from a bill for {$1700.00}, leaving me a balance to be paid of {$1400.00}. I could not and did not pay this sum. This matter has been turned over to a collection agency, derogatory marks have been placed on my credit reports, and solely due to this action, my credit score is declining. I will not be able to purchase a home and can be denied employment for this action.