davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (PA)

I have a student loan from XX/XX/XXXX ( from 20 years ago ) and have paid many XXXX of dollars towards it. This past year alone, I paid nearly {$4000.00}. Last year I paid over {$5000.00}. The servicer is American Education Services. The principal balance is almost exactly the same since it was originally issued. This means that all that I have paid ( $ XXXX ) has gone towards interest and not the principal balance. The interest rate is quite high, 7.625 %, and with a large principal balance ( $ XXXX ), the monthly payments are high and I have done my best to pay them every month. However, sometimes I might miss a payment, or need to go on forbearance for a while ( after losing a job, etc ). This has resulted in any headway I made to be lost ... I have another student loan with a different servicer ( Navient ) that is from XX/XX/XXXX. The interest rate is much lower. The principal balance is about half of the original amount now, after 10 years of making payments. It was easier to keep up with those payments because of the lower interest rate ( 2.5 % ) and smaller principal balance ( $ XXXX ). In summary, I do n't think students should have to pay such high interest rates. In cases like mine, it can make it nearly IMPOSSIBLE to pay off the principal balance. Also, I do n't think in times of financial hardship, the interest rate should be allowed to accrue. Hopefully student loans can adopt these ideas in the future so other students wo n't have to suffer like me. 
Thanks, XXXX XXXX. I love XXXX XXXX!
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (MO)

RE : Account # XXXX XXXX XXXX XXXX currently reporting to my Equifax consumer report has exceeded the Statute of Limitations for the State of MO.
Consumer complaint received 2019-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (CA)

I was contacted by the following number, ( XXXX ) XXXX-XXXX, stating that I owed over {$1000.00} for a bounced check. 
The Wells Fargo bank account they referenced has been closed for over 5 years. 
They did reference my social security number as well, however, they could not reference where the charges stemmed from. 
The person on the phone was dodging questions about who her company was. 
The person on the phone said that I am being charged with a XXXX  by the State of California for not paying something, and my options were to pay the amount up front to close the case, or to go to court.
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NC)

Since XX/XX/2018 until present I have tried to cancel a recurring {$19.00} Experian Credit fee. I can not email them, they make you call and never answer the phone. I have called more than a dozen times with 20 or more minutes of wait time. Please stop them from stealing.
Consumer complaint received 2023-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

After reaching out to the servicer yet again for a status update on the cancellation of the prepaid PMI it appears that their systems are so reckless that they apparently have no idea what I am talking about even though : ( a ) in Complaint XXXX ( attached ) they told me and the CFPB that they had initiated the process to allow us to have the prepaid PMI cancelled and refunded ; ( b ) they ordered the BPO which demonstrated we have enough equity to cancel the PMI ; and ( c ) there have been multiple CFPB complaints about this issue. 
This servicer replied yesterday ( XXXX XXXX ID : XXXX ) saying : Thank you for your inquiry. Our records do not reflect the account having BPMI, and no disbursements out of the escrow account in the last XXXX years. It is our pleasure to assist you. '' We know there is no PMI being paid out of escrow. This is about a prepaid policy that can be cancelled and proportionally refunded. How is that so difficult to understand? 

This servicer should not be allowed to service the loans of federally-backed XXXX XXXX XXXX XXXX They just take money while being incapable of doing anything remotely different or complex.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I made a purchase back in XX/XX/2021, paid my Comenity Bank bill in XX/XX/2021 a day late. Therefore, I never received another statement to state the late fee, and if I did I would have called to discuss removing the late fee, as my payment is history is great. I NEVER received another statement until there were XXXX late fees on a statement, when I called to discuss the representative was nasty, stated they could only remove XXXX late fee. I explained that I never received an email statement nor paper statement, cause I would have called to have them the late fee. It sounds like a scam to get money from me or others. They are harassing me at home and cell, an my husband told them to stop calling. He unfortunately, was and still is going for XXXX treatments. Now they are harassing me at work, I tried to settle this but they do not want to hear about the statement never received. Look at my history never have I had a problem any company with payments. Now the bill keeps getting higher and higher.
Consumer complaint received 2019-07-17
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. (MD)

My identity was stolen and misused. I complained to the FTC. My complaint ID is XXXX. The account and inquiries listed below do not belong to me and must be removed immediately. 

Fraudulent Account : XXXX XXXX {$1700.00} Opened XX/XX/2017 Fraudulent Inquiries : XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-03-07
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. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OR)

Navient continues to add XXXX XXXX XXXX to the account as a contact address when Navient has been made aware numerous times that I do not live at that address, and do not know anyone who currently lives at that address. This address has been added without authorization nor has it been requested. In fact, it has been requested multiple times that they remove this from the account and refrain from sending any communication to that address. Their refusal to do endangers my safety and security. Furthermore, XXXX continual actions to add the address to the account, in spite of this knowledge, appears to be an attempt to violate the law regarding restrictions on call hours within a particular time zone and to purposefully run afoul and disregard proper service of process. I have had to update the address manually numerous times to Navient, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX as a contact address for their system to avoid compromising my safety with their disregard of my request to not send mail to nor use the XXXX XXXX XXXX address. They acknowledged this update and request - but then still continue to add XXXX XXXX XXXX to the account. If they do not want to utilize the above Navient address as a contact address for their system, something done regularly for those living internationally or without stable housing, then for they can leave it blank as their system also allows them to do. Ive included a screenshot of when the address portion of the account dashboard was blank on XX/XX/2022.
Consumer complaint received 2019-07-17
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. (MD)

My identity was stolen and misused. I complained to the FTC. My complaint ID is XXXX. The account and inquiries listed below do not belong to me and must be removed immediately. 

Fraudulent Account : XXXX XXXX {$1700.00} Opened XX/XX/2017 Fraudulent Inquiries : XXXX XXXX XXXX, XXXX/XXXX - XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-01-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (NJ)

please reference attachments for complaint, exhibits and specified remedy below is attacheed my current complaint dated XXXX  exhibits of the incorrect amounts with dates the complaint/previous complaint sent to the Attorney general and Aldous & Associates . 
and an invoice
Consumer complaint received 2021-07-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I'm trying to refinance my home and I requested the payoff from my current mortgage which is Carrington Mortgage over one week ago and it seem that they are not interested to provide it. I called this morning to ask about it and I was told that they will provide it from XXXX to XXXX business days. That time frame already passed.
Consumer complaint received 2019-07-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Neon Newco Corporation (AZ)

I submitted a dispute with Netspend and they only pad 3 of the charges disputed as part of a lost card others were denied without explanation and their customer service was unwilling to connect me with there dispute team just explained they concluded fraud did not occur when it was over a lost card and if they believed me and disputed some after and in-between why did they not believe me for other claim XXXX they denied. They also added my last valid charge i made on account for XXXX to dispute which wasn't even connected to my lost card and added it as well to dispute when i explained to their customer service multiple times that it was my last purchase and i wasn't disputing it and also informed them via email to there dispute team this same information.
Consumer complaint received 2017-07-21
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. (TX)

I was told by XXXX XXXX XXXX that i would only have XXXX semester of loan debit. After i graduated i found out that i have XXXX outstanding loans. That went from {$800.00} to {$1300.00} now has become {$22000.00}. I have repeatedly and yearly sent in paperwork to request monthly repayment to Navient based on my income. They take months to respond if they even respond. Then there excuse is that i filled out wrong form, but the forms i filled out are on their website under loan repayment. Below is the path on their website to fill out the forms for the Income-Driven Repayment Plans. The problem is that when you fill out the forms on the site provided " studentloans.gov '' i was informed - '' oh that is not the right forms ''. I advised them MANY! times that their website directs you to this site. I have filled out the " correct '' forms and still they do not change the monthly repayment amount, or if they do its only for a couple months then mysteriously it it changed to a much higher amount then the amount i agreed to. I am in the process of getting this issue fixed again. I was told in XXXX that they changed my repayment amount but in XXXX they doubled it again. This just keeps happening. The same thing happened when it was XXXX. Income-Driven Repayment Plans Federal loans have a variety of repayment options that can lower your monthly payment amount and give you more time to repay your loans. With Income-Driven Repayment ( IDR ) plans, certain eligibility conditions apply and an annual renewal is required so be sure to find out how these plans work. Learn about Plans Based on Your Income -To continue with IDR, you can renew online at StudentLoans.gov or request a paper Income-Driven Repayment Plan Request from your loan servicer. Renew online at StudentLoans.gov Renew Using the Income-Driven Repayment Plan Request Form Learn more about repayment plans based on your income.
Consumer complaint received 2023-07-27
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-12-01
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. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2018-03-26
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. (GA)

On several occasions I have submitted documentation, a police report and multiple CFPB complaints against Equifax in reference to incorrect information on my credit report. Equifax has done nothing. All of the disputed accounts are still under investigation per Equifax as of today. These accounts have been under investigation for over 3 months. This is not legal. This verifies that these accounts have not been verified per the creditor as they are not mine. The accounts are XXXX XXXX, XXXX and XXXX XXXX XXXX  XXXX XXXX. I have also disputed a cable collection account that was with XXXX XXXX that was not mine. This has since been deleted by XXXX XXXX but now XXXX XXXX has picked up the account and this is incorrectly reporting on my credit report. I have also submitted documentation that this cable bill is not mine. Equifax has done nothing to correct the incorrect information that is reporting on and destroying my credit file.
Consumer complaint received 2021-02-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I dont know know this company, and they have harassed me several times ; I have repeatedly asked to them explanation of the collection and to send a letter to my current address validating the debt and explain the charges. They have not done so. I have offered to pay this debt in full if they are willing to remove this derogatory remark even though I dont believe I owe us this debt, they have however, refused to answer me after that as well. They continue to harass me without explanation or whom the original creditor was.
Consumer complaint received 2023-01-13
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)

On XX/XX/XXXX an account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX was obtained in my name without my knowledge. I was made aware after pulling my credit report that my information was used to open this accounts and reported to authorities on XX/XX/XXXX with the XXXX XXXX XXXX XXXX case # XXXX with Office XXXX XXXX badge # XXXX. I have sent this information to XXXX, Equifax, and XXXX who are still reporting fraudulent information on my credit file.
Consumer complaint received 2021-02-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX an unknown company reported a collection on my account. I disputed this on XX/XX/XXXX with XXXX  XX/XX/XXXX with XXXX, and XX/XX/XXXX with Transunion. 

After some research, I determined the account was related to an old account from XXXX. It was an old electricity bill that I never received when I moved. I was made aware of it in XXXX, paid it immediately as agreed, and obtained a release of debt from the original creditor / agency XXXX XXXX XXXX / XXXX XXXX ). At that time in XXXX I disputed the charges, provided my release of debt letter, and it was removed from my reports with all 3 bureaus.

Providing the release of debt letter this time around, resulted in only 1 of 3 bureaus removing the information ( XXXX removed it but the others did not ). Not only is the debt more than 6 years old ( possibly past the statute of limitations ) and already settled and paid as agreed, abut the 2 agencies in question are reporting it as a new collection with a date of XX/XX/XXXX. 

Recently, I applied for a mortgage and noticed my scores with Transunion and XXXX are over 100 points worse than my scores with XXXX. This error on their part is costing me significant money in addition to the time I've spent and frustration I've felt in dealing with this error. 

Transunion doesn't even have a way to dispute the item, when I log into their system it doesn't show up as an item that can be disputed. I had to dispute it thru XXXX XXXX.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX an account # XXXX with XXXX XXXX XXXX XXXX  was obtained in my name without my knowledge. I was made aware after pulling my credit report that my information was used to open this accounts and reported to authorities on XX/XX/XXXX with the XXXX XXXX XXXX XXXX case # XXXX with Office XXXX XXXX badge # XXXX. I have sent this information to Transunion, XXXX, and XXXX who are still reporting fraudulent information on my credit file.
Consumer complaint received 2023-04-12
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX  XXXX Balance : {$7900.00} ; XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XXXX Balance : {$9400.00} ; XXXX  XXXX XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX & XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2018-05-15
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (FL)

I was just notified that my XX/XX/XXXX complaint # XXXX was status closed based on the FALSE representations by ALLY that this XX/XX/XXXX complaint is a duplicate complaint from XX/XX/XXXX. INCORRECT. The prior XX/XX/XXXX complaint was closed in XX/XX/XXXX/XX/XX/XXXX and involved early XX/XX/XXXX payments that were misapplied. No sooner than this case was closed did the EXACT same problem happen to my XX/XX/XXXX/XX/XX/XXXX payment. I provided a letter from my bank 's ACH processor that confirms the problem and this letter is dated XX/XX/XXXX. This is a totally separate instance of the same styled problem and is NOT in any way a duplicate complaint. I have been awaiting ALLY 's response the my XX/XX/XXXX complaint only to now receive this ridiculous response. It appears that ALLY CSR calls all appear to be transferred overseas to what appears to be the XXXX and they're totally useless in this situation. My credit report score is being severely negatively impacted.