davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-25
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. (MI)

I became XXXX after receiving my students loans. I applied for forgiveness based on XXXX, I was denied when I should have been approved back in XXXX. I got them all of the documents they requested and even though I fell within what they told me, they denied me. So I applied for a XXXX  repayment consolidation loan after being denied the XXXX forgiveness. During the process of the XXXX  consolidation loan through Navient, one of my loans was missed. I kept putting it into deferment/forbearance until I could get the situation resolved. So it went into default when it should have been included. I called Navient to explain that I needed the XXXX   repayment consolidation loan redone with my loan that was missed when I noticed the error in XXXX. The person I spoke with on the phone was rude and not helpful. She blamed me for not notifying them within 30 days of the error. No help whatsoever so I put my loans into deferment/forebearance until the error could be corrected. No one has been helpful at Navient or XXXX XXXX XXXX  XXXX  about this issues. So now my loans are in default with the Department of Ed, and Department of Treasury. I found your sight and the lawsuit against Navient and believe I fall into this category. Department of Treasure now wants me to go into a loan rehabilitation programs. The problem with this is, my timeline for forgiveness in the XXXX   repayment has disappeared and my interest has accumulated since XXXX when it was an error on this part. I believe I would be a fabulous candidate to be included in the lawsuit that is currently pending. I need this to be fixed ASAP. 

I have been lied to and mislead by these people. Navient, XXXX, and XXXX XXXX. Had they of dealt with it in XXXX and XXXX we would not be in this position now. I'm tired of getting the runaround no matter what I do. Once person says one thing, and another says something completely different. Which is exactly why the lawsuit has been filed. I really think I should be covered by that lawsuit but I am trying this because I get a different answer everywhere I turn to try to correct this! This also needs to include multiple schools in where I was attending. As well as include XXXX XXXX XXXX XXXX and XXXX but it would not let me include multiple names/schools.
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (GA)

I have had my card for about 2 or 3 months now and no money has been sent to me yet.. I dont understand what Im doing wrong or even if Ive been approved yet.. I received an email saying that I was approved but I have yet to see any benefits.. I have a XXXX year old child and I am currently unemployed and really need some help
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please correct my TransUnion Credit and all credit reports including XXXX and XXXX  to ONLY show address listed from the two required forms of documentation I have provided. These other addresses are incorrect and belong to someone else. Please advise ASAP! Thx! XXXX
Consumer complaint received 2024-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

VIOLATIONS REPORTINGS BELOW : 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 Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

On XXXX XXXX I paid my account with XXXX XXXX in full and requested the account be closed with a signed letter and my check. 

Now 6 month later I show a membership fee and they will not delete it and will not remove from my credit record. I tried calling and on hold for 30 minutes and they say the sign letter meant nothing and that I should have called. 

I am XXXX XXXX  so a call is always XXXX XXXX and very very difficult if you are online for 30 minutes at a time I feel I am being discriminated against because of my XXXX-as well as being treated very badly Trying to fix but keep getting transferred - have been on phone for over 1 hour waiting for service from manager transfer from supervisor from customer service rep in us from customer service rep that spoke broken English I will be more than happy to provide any documentation required
Consumer complaint received 2020-02-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Adjustment Bureau, Inc. (IA)

Talked to supervisor of Financial Adjustment Bureau on XX/XX/20. He threatened a lawsuit with wage garnishment if debts were not paid within 20 days. When I asked for proof of debt, he claimed that he had already done that and that he would not do it again. I told him that I have no idea what these debts are and I would like to validate them, he said no. He stated that we ( my husband and I ) must get a loan to pay {$1400.00} in 20 days or his attorney will sue for the amount owed and they will garnish wages. There is no way that I can dispute the debt because I never received notice of the debt.
Consumer complaint received 2016-07-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

This is my 4th complaint about OCWEN mortgage. I figure on the 3rd compliant with your company this would finally resolved the issues. They have decided to raise my escrow account again when my property taxes is less than XXXX a year but want to charge me XXXX a month in escrow for taxes. They was over charging me for years and sent me a refund check for over XXXX in XXXX for their mistakes and now they are starting it over again. My mortgage per the paperwork they sent me was to be XXXX a month but I been paying XXXX. Well last month they raise my mortgage to XXXX which is incorrect and I paid my regular amount of XXXX and now they are showing me late. 
I am at my wits end with this company. I barely understand the representative when I called in due to they are based in another country. They do n't want to assist you just want to make you pay the wrong amount. My bankruptcy is about to be over this month and I feel again they are trying to make me lose my house. I do n't know what to do anymore with this company. Please help!!!
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX  and Transunion are reporting incorrectly a collection in the amount of {$640.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This charge was for an emergency ambulance ride. The ambulance company failed to bill the insurance company properly and consequently I was charged in error. The account went collections and the money that was due was paid directly to the attorney and the attorney was responsible for getting payment to the ambulance company. This false reporting of a collection, that was not my responsibility, is seriously harming my credit score and needs to be removed. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (NC)

I have reached out to Ally Financial regarding my car loan. I called on XX/XX/XXXX and requested a re-write to lower my monthly payments to $ XXXX- {$300.00}, due to unexpected expenses. I have spoke to a representative and was given a case # XXXX for the re-write. I was advised to allow 1-2 business days for a call back for this rewrite. I have spoke to representatives in rewrite by the name of XXXX  and she advised me that I only made 6 payments since I had my car loan. I have had my contract car loan with Ally Financial since XX/XX/XXXX. I have made way over 6 payments on my car loan and was also given extension due to natural disasters. I have also spoken to XXXX ( customer relations ) that was handling this issue also stated I did not make consecutive payments in which is not a fact. I need this issue to looked as far as my payments and to have a re-write done on my account.
Consumer complaint received 2023-10-19
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: LEXISNEXIS (TN)

XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. 

They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A.

States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have submitted disputes to you and I didnt get a response within 30 days. It is required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2021-06-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Van Patten Mortgage Group (CA)

This Mortgage Company XXXX keeps harassing me over and over and over again AND KEEPS LEAVING ME VOICEMAILS, This just happened again today XXXX and has been going on for months. It is a Robo call saying that they are from XXXX XXXX  XXXX. I have called them and asked them to take my phone number off there system. They responded that it is MY PROBLEM. The number that they calling from is XXXX in XXXX.
Consumer complaint received 2021-06-15
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.

5. Identity T
heft XXXX XXXX Account Number : XXXX This i

s not mine. 6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2023-03-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2 (CA)

Ive disputed this debt numerous times trying to verify an original contract and balance information. I have never received validation or information on original balance. There has not been a note or memo on collections to reflect my dispute. Lastly this company every month puts an inquiry on my report and updates the balance every 30 days. This company is harassing me.
Consumer complaint received 2022-10-14
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( XXXX, Balance : {$3300.00} ), XXXX XXXX ( XXXX, Open Date XX/XX/XXXX, Balance : {$11000.00} ), XXXX XXXX ( XXXX, Open Date XX/XX/XXXX, Highest Balance : {$7400.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Ive tried several times disputing an account with Experian, a Bankruptcy that is being reported incorrectly. Lastly disputed this account in XXXX per Experians notification this account was verified via a third party vendor XXXX. Please see attached letter from XXXX, there is no bankruptcy being reported please delete and removed this information from my credit report as it is an incorrect representation of me. Experian continues to disregard any reinvestigation into this dispute they automatically send the same letter stating verified when clearly the third party is not verifying anything as they have nothing on their end. Thank you.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I have a business account with Citizens Bank at which I use a credit card XXXX, called XXXX XXXX to accept credit card transactions. XX/XX/XXXX I accepted credit card transactions at my business event, a total of {$160.00} at which I have yet to receive payment for. I called Citizens Bank 3 times and spoke with XXXX, XXXX, and a supervisor by the name of XXXX. XX/XX/XXXX XXXX told me that the funds was being held by the fraud dept but she didn't know why, and was unable to let me speak with someone in the fraud dept because it wasn't her dept. and no one was available at the time. After being on the phone for over an hour XXXX called me back to inform me that they held {$88.00} for a debt that I owed and {$80.00} would be released XX/XX/XXXX. I asked XXXX what debt I owed and why wasn't I informed that I owed, XXXX again said she doesn't know because she is not in the fraud debt. I left a message on the fraud dept voicemail since no one picked up, on XX/XX/XXXX, I asked that someone would call me back. The fraud dept has yet to call me back or respond in ANY form of communication, no letter, no call, no email. I haven't received ANY of the {$160.00} that I worked so hard to get. Please help me to get the {$160.00} back that I worked so hard to get. I would also like this matter to be looked into and STOPPED because not every person has the knowledge of the rights in America or have the time to invest in this matter. I've spent days already trying to get MY money.
Consumer complaint received 2020-02-25
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020 I deposited a cashiers check into my checking account at Chase bank in the amount of {$1900.00}. I was told there would be a hold on the funds till XX/XX/2020. The next day, XX/XX/2020, I called Chase to inquire why my cashiers check had a hold and they put me on hold for several minutes and came back on the line and said the check was good and they were releasing the funds, Because I was uneasy dealing with this amount of money, I asked Chase to call the issuing bank and confirm that the check was in fact good, They did and came back on the line and said they talked with XXXX at the issuing bank and the check was good. I asked Chase to send me a short email stating the check was confirmed to be valid. The response was that " Chase does not do that but you have my word the check is good. '' Based on this, I spent {$1600.00} of the funds at XXXX XXXX  and that same day at XXXX XXXX  Chase debited my account for! ,XXXX and said the check was ficticious and altered. I never would have used the funds had I not relied on the validity of a cashiers check and Chase giving me their word the check was good. This entire conversation was on a recorded line.
Consumer complaint received 2022-12-01
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account name : XXXX XXXX XXXX Account name:XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX. 

15 U.S.C. 1681 section 602 A. States I have the 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 15 U.S.C. 1681c. ( a ) ( 5 ) SEction States : no consumer reporting agency may make any consumer report containing any of the following item of information Any other adverse item of information, other than records convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to an consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NY)

We are officially disputing the amount that you claim is owed. We vehemently declare that your claim is totally inaccurate. 

As stated on the enclosed letters, we were provided with three servicers within the short period of nine months, clearly contributing to the miscalculation and error of figures on your part. We strongly suggest that you review our account records with all three of our recent servicers. 

After completion of your thorough review of our loan account since XX/XX/2006, please send us verifiable proof of the loan amount owed, as well as our signed copy of Regulation X.
Consumer complaint received 2022-07-24
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX  XXXX Date : XXXX Inquiry Type : Bank Credit XXXX XXXX XXXX XXXX Date : XXXX Inquiry Type : Bank Credit XXXX XXXX XXXX XXXX : XXXX Inquiry Type : Auto Financing XXXX  Date : XXXX Inquiry Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX Type : Bank Credit Cards -- -- -- XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Account Type : Other XXXX Account Number : XXXX Account Type : Other XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I placed a security freeze on my credit profile with all three CRA 's several years ago. Recently I had to temporarily lift the freeze and experienced no issues with XXXX and XXXX. Tranunion locked my on-line account preventing me from managing my credit profile security and refuses to unlock my account. I never requested the account be locked nor have I been a victim of identity theft.