davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I tried several times to start a plan to pay the student loans with Navien, I filled a form which they were supposed to send my husband so he could sign. He never received. I called them because I needed more information about the repayment options, they were unable to give me further explanation about the plans. They said I had to read and choose one of the plans that are listed in the website. I asked them for information in XXXX, they dont have information so I was not able to make a decision. I have not started paying the loans and Im receiving so many calls during the day co collect debt. Thanks.
Consumer complaint received 2020-12-22
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$20000.00}, {$1100.00}, {$2100.00}, {$6300.00}, {$2800.00}, {$12000.00}, {$7700.00}, {$1700.00}, {$5700.00}, {$0.00}, {$860.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened onXX/XX/XXXX, XXXX with a balance of {$1100.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

4. XX/XX/XXXXwith ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

5. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

6. XX/XX/XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

7. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXXXXX, XXXX with a balance of {$1700.00} -This is not my account. 

9. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- PERSONAL LOAN 10. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 11. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$860.00} -This is not my account.
Consumer complaint received 2021-12-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (PA)

Prior to the global pandemic, my mortgage was paid perfectly. This included additional money paid monthly towards the principal. At the onset of the global pandemic, like most Americans, I found myself out of a job. I requested a deferment with PNC bank during that time to ensure that I would not get behind on my mortgage. My forbearance was slated to end in XX/XX/2021, as such, I applied for a loan modification XX/XX/2021. I knew that I would be incapable of paying a balloon payment at the end. All of my documents were sent via fax and emailed by, XXXX XXXX, from the XXXX XXXX PNC XXXX and through email from me directly. On XX/XX/2021, XXXX month after submitting my documents, I received signature required XXXX package from PNC Mortgage ( attached ). This document advised that my loan modification had been approved for a conditional trial period. 
While, thankful, I was confused as the dates on the document were past tense. I contacted the representative on the documentation, she was unavailable so I spoke with another representative who advised me that I would receive documents with the corrected dates via XXXX and I would here from the assigned representative. Neither occurred, so I contacted PNC Mortgage on XX/XX/2021, via phone and email. During that call, I spoke with XXXX ( operator ID XXXX ) who advised that she could not release any information to me, although I had verified my identity, she assured me that I would hear from my assigned representative, and they had 30 days to respond. I advised that that time frame had almost doubled, and I was still awaiting a response. I confirmed that PNC had everything that they needed from me. 
I received a signature required document via XXXX from PNC Mortgage ( attached ) today advising me that my request for loan modification had been denied. I am flabbergasted. After reading the letter, It appears asXXXX if I was denied because PNC Mortgage is awaiting information from a third party. That is outside of my control. I should not be faced with losing my home because the mortgage company has failed to check off a box. I will file a formal appeal and submit it this evening, however, PNC Mortgage has failed to communicate appropriately, as such, I have zero confidence in their ability to rectify this situation and that is why I am submitting this complaint simotaneously.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

CITI Credit card was fraudulently updated from XX/XX/XXXX. 
Finally after escalating with the CITI CEO 's the account was closed on XXXX after talking to multiple Fraud supervisors. 
But again on XX/XX/XXXX teh Credit card was reopened on a CLOSED account and even the executive office can not close teh account or don't know how to close the account. 

I have all written EMAIL proofs and now they started issuing notice to make autopayment. 
Sequence of Events : XX/XX/XXXX @ XXXX PM CST- Email and Phone changed- got it fixed-Online XXXX XXXX AM CST : Email, phone, address and security word got changed -- called and spoke for XXXX Hour -- but was not able to authenticate XXXX after taking for 1 hour around XXXX AM CST letter was sent XX/XX/XXXX : XXXX am CST : XXXX : Phone email mobile wallet balance transer flex loan last4 digitsXXXX call from XXXX : XXXX PM CST Ref : XXXX XXXX : XX/XX/XXXX : Security Word got changed : XXXX XXXX XXXX  : XXXX : XXXX : spoke at XXXX am XXXX XX/XX/XXXX XXXX 
XXXX : XX/XX/XXXX -- XXXX PM XXXX ; XXXX : 30 days request XXXX : XX/XX/XXXX XXXX XXXX  XXXX : Security Team : XXXX Fraud : XXXX Fraud : XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX ; ref # XXXX XXXX spoke wiht whom on XXXX per XXXX. 
XX/XX/XXXX : spoke at XXXX am XXXX XXXX pm cst XXXXXXXX all update were done to fraudalent email and phone ; XX/XX/XXXX credit card XXXX ; got XXXX alert raf XXXX Supervisor citi-XXXX XXXX XXXX XXXX POLICE Complaint with XXXX, TEXAS XXXX ahs been filed.
Consumer complaint received 2021-12-01
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. (NC)

I have sent multiple letters to XXXX XXXX and Experian requesting validation of a Bankruptcy listed on my credit report as the information listed is not correct and I am aware that any thing listed on your credit report must be credit and validated. I reached out to the " original '' credit who is the XXXX and they stated that they do not validate anything. I wrote both Experian and XXXX XXXX to give them an opportunity to verify that data. Experian wrote back that they have validated it with XXXX XXXX therefore it was correct. I reached out to XXXX XXXX and they finally said that they do not even have a bankruptcy on my credit report. So my question is who is lying? I pulled my XXXX report and reviewed it myself and there is NO Bankruptcy listed so HOW did Experian allegedly verify it with XXXX if its not listed. I have been keeping a record of the last communications as this has been going on since last year of shifting the blame. Now in I have proof in black and white.
Consumer complaint received 2023-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (FL)

In 2019 due to a natural disaster of XXXX XXXX we were in state of XXXX in XXXX XXXX I lost my jobs. There were no jobs in the area due to the destruction. I managed to pay my rent without having nothing to eat. I spoke to the XXXX and with her approval I left only XXXX month before the termination of my lease. 

It seems this company called IQ Data International purchase a debt from XXXX XXXX XXXX and put lots of money on top and sent it to Collections. It is my only Collection. I am very responsible and always pay my bills. 

I explained to them that this was in a state of emergency and a natural disaster and this has been in my credit for more than 4 years now. They refused to delete it and are asking me for XXXX that I don't owe. My lease was paid and they kept my deposit. That is equivalent to only XXXX  month. 

This is unfair and when I called them they treated me very rude and disrespectful, in an abusive way asking me in a loud and angry words, talking over me that I have to pay what I don't owe including all the money they put on top of it as so called " Interest '' I want this item to be deleted from my credit reports. It is not correct. It is not accurate and the only purpose of IQ Data International is to make money with people that lost their jobs due to a natural disaster.
Consumer complaint received 2021-03-08
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: EQUIFAX, INC. (OH)

I submitted letters towards the end of XX/XX/2021 disputing inaccuracies on my report. I have even contacted them and was on hold for hours just to have the call disconnected. It's been well over 30 days and no response. I request for the to delete everything listed in the attached documents due to them violating FCRA laws.
Consumer complaint received 2018-05-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Brennan & Clark, Ltd., LLC (AZ)

on XX/XX/XXXX so called debtcollector XXXX XXXX the agent is XXXX XXXX called me threatened me said i owe {$11000.00} to XXXX XXXX. 
i know nothing of this threatened to freeze my accounts and take assets by today. put phone down on me, very rude, trying scare tactics. said i know of this. i havnt had any emails nothing no post totally innocent of what hes trying to say. 
yes i did have insurance last year. from XX/XX/XXXXto XX/XX/XXXX, XXXX XXXX   were my agent XXXX  XXXX was theres. 
they uped my policy without asking me or my knowledge they canceled my policy XX/XX/XXXX. i told them its not worth me keeping policy not profitable if you asked me that you were going to put policy up i would of told to cancel. 
someone in the company didnt do there job and tell me by the end off XX/XX/XXXX i was owed back money i paid out. based on bank statements. but no they increased my insurance plus more so i owed more? 
without my consent havnt heard nothing until now. 
with threats to freeze and take assets. 
by today. 
please advise, is this a scam. 
they left voicemail from anumber XXXX XXXX XXXX. 

thank you XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AL)

I am filing a complaint against Synchrony Bank for their recent implementation of a {$1.00} monthly fee for consumers who receive a monthly paper statement in the mail. Synchrony began adding this fee to my Lowe 's credit card in XX/XX/XXXX and will implement it with my JCPenney charge in XX/XX/XXXX. 

As a consumer I do not want to be forced into electronic online banking, nor I do not wish to make my checking account information available to Synchrony Bank. As a consumer, I believe it is might right to receive a free monthly statement from the retailer regarding my charges. I see this as a money grab from Synchrony Bank. I have stopped using my Lowe 's card, however I have an insurance policy through JCPenney so I receive a statement from them each month. When you multiply {$1.00} per month times 12 months that is an additional {$24.00} a year that I will be paying on my account. Multiply that figure times the tens of millions of accounts that consumers have with Lowe 's and JCPenney and Synchrony will easily be raking in well over {$1.00} XXXX a year from this scheme. Many of these stores ' customers are middle to low income and this will create an undue burden for them. 

I believe the government should step in and ban this practice of adding unnecessary charges to consumers ' bills under the guise of helping the environment by eliminating a paper envelope. 

I would like to add that I have been a JCPenney account holder since XXXX and this is the first time in 40 years that I have had in issue with this account.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) XXXX XXXX XXXX ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-30
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)

Back in XXXX, XXXX I started to access my credit files to see which accounts were showing, and noticed that XXXX XXXX XXXX XXXX reported I opened a XXXX card account. Immediately I reported to the Credit bureaus that the account was not mine. That it was fraud and I wanted the card account to be removed from my credit files. For {$27.00} that was showing account balance my credit score went down XXXX points!!!!!!! In the meantime, i also contacted XXXX XXXX XXXX XXXX by phone to dispute the validity of that credit card account. They started to investigate and finally sent me a letter dated XX/XX/2022 that they disagreed with my claim that the account was opened fraudulently. I offered to pay the balance due just to get rid of the account I did not open. Still they insist the account is mine, the card was used in XXXX, XXXX but I live in XXXX, XXXX I am asking your office to intervene in this matter and XXXX XXXX XXXX XXXX XXXX to accept my claim and erase this account from my credit files as if it never existed. My address with them has always been in XXXX. By no means I used the car in XXXX, XXXX They ruined my credit report without considering the facts I presented. I did not apply for the XXXX credit card.
Consumer complaint received 2023-07-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: eMortgage Funding LLC (OR)

They sent me closing papers but refuse to call me back eloans Ive tried for weeks to call them the wont awnser me so I have no idea what to do with these closing papers I tried to call the tital loan place to they tell me they dont do out of state loans they are in California Im in oregon Im starting to think this loan was a scam please help
Consumer complaint received 2017-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (DC)

Im writing to complain about information presented o n Nelnet 's Income-Driven Repayment Plan site. Based on information derived from Nelnets Income-Driven Repayment Plan site ( which is a   calculator to estimate repayment plans ), I believed I could significantly lower my monthly payments, and so I submitted an IDR application in  XXXX   XXXX . My loan payment amount was reduced from {$890.00} to {$830.00}. As this was not as large a decrease as I was quoted, I chatted with Nelnets service/ help desk who informed me that my spouses loans were not factored into my payment calculation. Based on their guidance, I resubmitted an IDR application in  XXXX   XXXX  and then in  XXXX   XXXX . In late  XXXX , I received notice that my monthly plan was reduced to {$770.00}. As I was surprised my monthly payment was still high compared to the quote range I received on Nelnets Income-Driven Repayment Plan site, I re-checked Nelnets website on  XXXX   XXXX . I entered accurate information about my salary ( I used my  XXXX   XXXX   ), m y tax filing status, my family size, and other loans held by me and my spouse and I was quoted $  XXXX  month fo r ICR plan. Using the exact same information I provided to Nelnet in my IDR application, I was quoted a completely different amount than what was determined by Nelnet to be my payment amount. I contacted the service/ help desk to ask for an explanation for this wide discrepancy but they were not able to explain the difference. The service desk k ept saying they can not explain the amount I was quoted on their website because they can not confirm what information I entered. Essentially, they take no accountability for what 's on their website.I am writing to complain about the misinformation presented on Nelnets site. It makes me questions Nelnets business ethics that information on the website is so off and that your staff are unable to provide explanations. I do n't trust how they are calculating my payments.
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (DC)

I, XXXX XXXX XXXX, do not agree with the resolution of the claims that I submitted to Citibank for unauthorized transactions on my account on with my debit card that is in my possession locked in my room drawer. 

The reason for my appeal is that I am a XXXX senior citizen that has been in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is located at XXXX XXXX XXXX XXXX. Washington, XXXX XXXX facility did not allow food or drink to be delivered to the residents at any time. XXXX XXXX also did not allow the Seniors to leave the facility at any time, except to go to XXXX appointments in the XXXX XXXX. 

I filed the below fraud cases with Citibank. Please investigate ; CITIBANK Fraud case ref # XXXX for XXXX transaction equaling {$710.00} CITIBANK XXXX case ref # XXXX for XXXX transactions equaling {$1400.00} There is no way any XXXX XXXX or XXXXXXXX XXXX could be used during the periods in question. The Citibank representative informed me that Citibank put the funds back on my account and then took the funds back out of my account stating " Citibank did not have enough information to find out who defrauded me. '' If this is true, then why would my own banking institution allow me to be frauded by anyone and NOT support me after I have trusted Citibank with my retirement funds that I use to pay my monthly mortgage, utilities and living expenses now that I am back home from the facility. 

I have lost faith in Citibank as my Financial institution because of this. For these reasons I request this action be investigated and reversed because this is an unjust decision, and I should not be victimized twice by my own financial institution that is supposed to aid me and protect me and my retirement funds.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I paid off my credit card with Capital One, and they froze my account. The company called me a while later and started asking me questions that were irrelevant to my account and seemed fraudulent so I told them that I was not comfortable as I have read about so many scams recently and I wrote them a letter confirming that it was me that paid off my card. That was in XX/XX/2022. After not receiving any response I wrote to them again in XXXX confirming that I had indeed paid off my card, again with no response. Then in XX/XX/2022 they wrote to me saying that they had closed my card. I called them and spoke to a manager, he said that I had not provided paperwork needed. I paid off multiple cards at the same time and no other card asked for any paperwork, and in our communication Capital One never requested any paperwork. I asked him what kind of documentation and he said that he had no idea, he said that as my account was closed he could not see the notes. But when I asked him what paperwork people are usually asked to provide when paying off their credit card he was unable to tell me as he hadn't experienced it before. I asked him what could be done about it and he said absolutely nothing. My credit score dropped almost 75 points after they closed my card, I worked very hard for my excellent credit and this has now put me in the bad credit bracket affecting my interest rates and my ability to borrow money.
Consumer complaint received 2019-07-07
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. (MN)

TRANSUNION : My ex-husband fraudulently signed my name on his school consolidation loans in 2001 ( unknown to me ). He was found in contempt of court for not paying, ordered to pay off in 30 days, & required to pay All my Court/attorney fees. Collection efforts were ceased against me due to fraud aligations. By the time I discovered, the statutes of limitations had run out for criminal charges. Their " dispute '' process is out of order frequently. Things disappear & reappear, I was docked 28 points for using .77 % of my available credit balance, then thry tried to sell me a credit card. TransUnion has been completely a abusive of their power over my report.