davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I attended XXXX XXXX University from XXXX - XXXX for an XXXX degree. During that period, I was working full-time and had to essentially complete classes late at night on my pace. It is important to note that XXXX XXXX was working toward their accreditation and was in " pending status '' during this period. Consequently, XXXX changed their name to XXXX XXXX University and altered their curriculum requirements when the accreditation was not approved. Shortly afterward, the school closed and left no transcript records or resources to obtain any from a repository. I contacted XXXX XXXX at the time to see if they had received complaints from other students with outstanding loans paid to XXXX XXXX. They refused to answer and informed me that the debt would not be forgiven irregardless of the fact that federal student loans are indeed forgiven on those grounds. My father was the principle guarantor on the loan and was paying it on time. He passed away and we were informed that the debt would be discarded with the furnishing of a death certificate. Again, this was not the case as after I sent a certificate, I was informed that I was named as a the responsible party now. During this time which reached through XXXX, no payments were made. XXXX XXXX charged the debt off and sold it to XXXX ( which Navient refers to as " their '' resolutions team ) which is utter deception because Interstate is a cut throat debt collector that is NOT a part of Navient. All I want in this is the opportunity to either A ) Be forgiven of the {$4300.00} debt due to the school closing and no access to my body of work, or B ) To have my account placed back with Navient or XXXX XXXX in good standing so I can resume payments and not have it decimate my credit as it has done during this time.
Consumer complaint received 2022-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (DC)

When Truist bought Suntrust Mortgage and BB & T, I now h

ave 2 mortgages with Truist. 1. Primary residence mortgage. ( a ) When I transitioned to from the Suntrust Mortgage online system to Truist system, this mortage failed to appear. There seems to be no way to link it. I called customer service have been on hold for half an hour and no one is answering. ( 2 ) for tax year XXXX  I have not received a tax form ( today is XX/XX/XXXX ), since this account isn't appearing online I can't access this form online either 2. Second property mortgage. When I transitioned from the BB & T website to the Truist website, there are errors on the mailing address which can not be fixed online. Again, I called customer service have been on hold for half an hour and no one is answering. 

This is an unimpressive start to my banking relationship with Truist
Consumer complaint received 2019-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (MS)

I received a letter on XX/XX/2019 stating that the maturity date on my vehicle was XX/XX/2019, since then I have received several calls from the company inquiring when my next payment would be. I made a full payment of {$320.00} in XX/XX/XXXX as well as XX/XX/XXXX. I know companies can call as much as they like but some of them are repetitive, early in the day and late in the evenings. I received a call on XX/XX/2019 from the company and a representative wanted me to call back, I have never had that happen since I have been doing business with the company. I did call back and informed the person I spoke with of returning the call. I was asked when I would be making a payment, I also informed the person that I had spoke with another representative a couple of days ago and promised to call on the XXXX of the month to let them know to take the current payment out. the representative proceeded to tell me that the balance was XXXX and some change and it needed to be paid. I informed her that I didn't have that amount to pay the car off and if I did we wouldn't be having the present conversation. she informed me that the company couldn't keep pushing the months back and that I would continue to receive follow up calls from them, I told her I understood. she also said something about 80days and once the past due time reaches 80 days being they can't charge interest ( if I am  repeating it correctly ) the company the company would probably start proceedings to reposes the car. I asked her why would the company do that and I am almost through paying the car off? and take away the vehicle I need to get back and forth to work, she kept saying she understood. I did inform the representative of my asking to push a few payments back a couple of years ago and was allowed to do so, i was informed that the payments would be added toward the end of the balance of the vehicle. If I had known I would be facing this problem I would have left things alone. I would like for a manager or ceo of the company to contact me and explain the company 's policy on this matter if there be one and allow me to  continue to pay on the vehicle until the almost four and one half payments  are made.
Consumer complaint received 2022-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

Issue : My PSLF applications were faxed to MOHELA on XX/XX/2022 with all 3 employer forms signed/completed. I received a qualifying payment update letter dated XX/XX/2022 certifying 2/3 employers, but did not include my employment with the Department of Justice. I never received a denial letter for any of my forms. MOHELA 's website reflects that it was cancelled because it was a duplicate request. There isnt a duplicate application for the Department of Justice, or at least not an approved one, so this pushes the processing time even further due to their mistake. Please note, even though my personal identifiers have been redacted from the attached documents, they were present when the forms were submitted to Mohela
Consumer complaint received 2022-03-18
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now
Consumer complaint received 2019-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

I had taken out a Synchrony Loan/Credit Card to finance a new AC for my parents ( who are elderly and my father is in end stage XXXX XXXX with XXXX ). I set up automatic payments on their website. I always choose " pay balance '' on my credit cards to avoid interest. I did that with this one, too. They took out the full {$6300.00} from my bank account in lieu of the XXXX XXXX monthly installment. I quickly called and said there must be a mistake, please reverse the charge and I will make a payment over the phone immediately. I was advised that was not possible. They would send me a paper check for the difference and it would take 7-10 business days to arrive. I spoke to two 'client managers ' who told me they could not electronically refund the money, nor expedite the check issuance and/or XXXX the check. I was told a 'client manager ' is the highest person I am allowed to speak to. I can't even do an electronic deposit for a {$6000.00} check. I would need to drive 30 minutes to my credit union. I explained all of this to them. I believe it's unreasonable ( a frankly predatory ) to expect a person to wait 7-10 business days for a refund that can only be issued on a paper check.
Consumer complaint received 2022-03-18
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)

A debt collector was allowed to post inaccurate and incorrect data on my credit reports without first providing validation per XXXX, on XX/XX/XXXX i demanded verification/proof of this debt from XXXX XXXX XXXX and to date XX/XX/XXXX have not received this verification which is in direct violation of the Fair Credit Reporting Act. 

I have attached proof along with XXXX certification receipt showing it was received by XXXX XXXX. XXXX which clearly shows this company is in direct violation of XXXX laws.
Consumer complaint received 2022-03-18
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now
Consumer complaint received 2022-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act accounts XXXX  XXXX, XXXX XXXX, XXXX  XXXX  XXXX  XXXX, XXXX  XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 section 604 a section 2.it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MN)

Mr. Cooper mortgagee co just purchased my mortgagee from Seterus. This happened just a few months ago. 
This months statement XX/XX/19 states thy are going to charge me fort hazard insurance. 
The is around {$1300.00}. requiring my escrow payment each moth to be increased. 
They did this while knowing that. I had insurance that I purchased ( by me ) and had been paying for the last 20 years, when with Seterus. The even had it noted on my account tat I had insurance from XXXX XXXX XXXX. 
So they were going to bill me for additional ins that was not necessary. 
I want the world to know how they rip off customers. 
They say will correct it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX M XXXX
Consumer complaint received 2018-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (TX)

Amcol Systems Inc. put a collection on my credit. 
They never contacted me or anything. They just put it on my credit. It only says medical. I don't have any outstanding medical debt. I have medical insurance. 
I have sent a validation request to this agency according to the Law of the FDCPA SEC. 809B Amcol has not responded. this has been going on for over 90 days.
Consumer complaint received 2024-05-29
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: GOLDMAN SACHS BANK USA (MA)

In XX/XX/2023, I made a purchase of a macbook pro for {$2400.00}. I returned the laptop within a few days for a FULL refund, within the valid return window. I made the original purchase on an Apple Card account, and was told 100 % of the cost would be returned to that card. This is the only charge I had on the card and opened the account specifically for that purchase, and never used it again. Fast forward 3 months, and I get a notification that I've been delinquent on my credit payment and my credit score dropped XXXX points after never missing a payment in my entire life. I called apple to complain and they stated that I had a {$130.00} charge on the card. When I asked how that was possible, they insisted that I was paid " cashback '' and that I needed to pay it back. I did not receive any cashback, and that single transaction was the only transaction on the account so it wasn't possible that it credited me back for some other balance I had. They stated I had been paid out to my " Apple Wallet '' on my iPhone. I do not own an iPhone. They stated it must have gone to my iPad. I do not own an iPad. They stated I must have gotten it somewhere " or else it wouldn't say we paid you ''. I stated that the Macbook I had just purchased and returned was the only apple product I owned, and that there was no way I could have possibly redeemed, spent, or accessed this cashback. I paid off the full balance anyway, just to stop the bleeding in my credit score, so I now have actually OVER paid and am owed that money back as it was never money I should have owed to begin with. Every time I call Apple or Goldman Sachs ( the card issuer ), I wait on hold for hours, repeat the entire story, and am told that they will have a supervisor call me back within a few days. I never receive a call from a supervisor or anyone. I have done this 5 times now. I also filed disputes with credit agencies like XXXX and XXXX, and they " investigate '' it before coming back and telling me " Apple said you owed the money and we see it on the account so the credit impact is valid ''. Now when I try to log in to access my Apple card account to access documentation, I'm told my account has been locked. My credit score dropped XXXX points from this and still has not recovered despite never missing any payments before. This took me from XXXX to below XXXX and I am only back up to XXXX. This is impacting my ability to look at loan rates for a car or mortgage.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

On XX/XX/2024 and XX/XX/2024 I disputed unauthorized inquiries and an account associated with identity theft with Equifax. I informed them I was a victim of identity theft and had not authorized any inquiries or account openings. The account in question was removed previously for identity theft and was sold to a debt collector who has now put it back on my report. I asked for these fraudulent inquiries to be blocked and removed, less than XXXX hours later Equifax stated they had verified the inquiries as factual. This however is impossible as I have not applied for any credit or loans. Equifax is violating my consumer rights and I am demanding a proper investigation and block/removal of these unauthorized inquiries. 


Inquiries : XXXXXXXX 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 Original creditor
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I recently reached out to the TN Dept of Human Services regarding inaccurate information that they have supplied to the credit reporting agencies.

They are in clear violation of 15 US Code Sec. 1681s-2 : Responsibility of furnishers of information to consumer reporting agencies, because they do furnish information and they have a duty to provide accurate information - THEY HAVE FAILED TO DO SO.

I have asked that they validate the debt - pursuant to 15 US Code Sec. 1692 g validation of debts, I have a right to request all information pertaining to said debt, as this company continues to garnish my wages and I KNOW THAT THIS HAS BEEN PAID OFF, therefore, show me the amount that I owe. 

This erroneous information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes. 

I am including my check stub, the letter received from the furnished, and the inaccurate information that they continue to furnish. 

Your assistance in this matter is crucial THIS FURNISHER IS IN COMPLETE VIOLATION AND THEY ARE IN WILLFUL NON COMPLIANCE
Consumer complaint received 2022-03-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

( XXXX ) Consumer Report.

( XXXX ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( XXXX ) credit or insurance to be used primarily for personal, family, or household purposes ; ( XXXX ) employment purposes ; or ( XXXX ) any other purpose authorized under section 1681b of this title.

( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( XXXX ) subject to section 1681s3 of this title, any ( XXXX ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( XXXX ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( XXXX ) communication of other information among per
XXXX related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( XXXX ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( XXXX ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( XXXX ) a communication described in subsection ( XXXX ) or ( XXXX ). [ XXXX ] ( XXXX ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( XXXX ) ( XXXX ) of this title, the exclusions in paragraph ( XXXX ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( XXXX ) medical information ; ( XXXX ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( XXXX ) an aggregate list of identified consumers based on payment transactions for medical products or services
Consumer complaint received 2024-06-11
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: Self Financial Inc. (IL)

I have an account with a company called Self Lending. I have never had any late payments. I have noticed that since I have been disputing items regarding my balance to CFPB as well as to each individual Credit Bureau 's, Self Lending as well as a few other companies, have been reporting my credit usage several times within the same month. 

My Credit statement is from the XXXX of the month until the XXXX of the month. This changed XX/XX/XXXX. Previously, it was from the XXXX ( or whenever each month ends, ex XXXX for XXXX, XXXX for XXXX, XXXX, etc ). 

Starting around XXXX of this year, ( XXXX ), they have been reporting my balances and as my balances have increased, my credit score has dropped drastically. I called them on XX/XX/XXXX after I noticed this pattern and after my score decreased drastically of this. My Case # is XXXX ( Self XXXXXXXX ). They could see what my balances were at the end of the billing cycle and what they were reporting, which was totally different, however, they wanted me to go back online and supply them with what I saw on my credit report, as if they were oblivious to what they were seeing and what they reported. I advised them that I refused to do their job for them and they could SEE what I was looking at. 

They never resolved this issue and I have lost well over XXXX XXXX  with XXXX alone.