davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I am filing this claim because I recently learned that my college loans do not qualify for loan forgiveness. I have been paying down two federal loans to help me with my college debt since the XX/XX/XXXXs, both of which began being serviced by XXXX XXXX XXXX ( XXXX  ) in XX/XX/XXXX. Currently, I still owe over {$65000.00}. In all the time I have been making monthly loan payments to XXXX, and now through them to Navient, I was always led to believe, that is, told, that both loans, for which I continue to make one monthly payment, qualified for loan forgiveness in XX/XX/XXXX, as long as I held up my end of the agreement by making 120 payments over ten years, as required for loan forgiveness, beginning in XX/XX/XXXX. Representatives from neither XXXX nor Navient ever stated to me anything but that I was on the right path for loan forgiveness. Yet when I applied for loan forgiveness, having met all the other criteria, I was informed by XXXX XXXX of the Department of Education in XX/XX/XXXX, that my loans did NOT qualify, as they were not the right kind of federal loans ( XXXX XXXX XXXX Federal Direct Loan Program ). And that, after twelve years of payments to XXXX as well as the previous number of years to the other lenders I would now need to begin again with yet another 120 payments qualifying for loan forgiveness in XX/XX/XXXX, some thirty years after taking out these loans, and paying faithfully over the course of time. By now, I am familiar with a number of other loan recipients who are arguing much the same case. It was remarkable to read such testimony, in the way their travails mirror my own case. It was like reading my own words, time and again, describing my situation. Some alluded to a pattern of behavior on the part of Navient. Although that determination has not been, to my knowledge, adjudicated, as I state above, I was never informed by XXXX or Navient that my Federal Consolidation loans would not qualify for loan forgiveness and that I would need to reconsolidate my loans.
Consumer complaint received 2020-02-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WINN LAW GROUP, APC (CA)

Hello, I am attempting to lodge a complaint against debt collectors and law firms who work in conjunction to pressure and threaten individuals by suing them in State Civil court ( California ). They  have created their own industry, to enrich themselves and prey on citizens who can afford no real defense for themselves, and I am including myself. By suing them in state court as apposed to Small Claims court. They create an environment in which the defendants have no previous experience or knowledge and therefore are prevented from offering any real defense for themselves. 
These collection agencies, which are mostly paying pennies on the dollar for these outstanding loans, then turn around and demand a repayment of at least 70 %. Which should be construed as illegal Usury. I am talking about thousands of suits brought to court every week in the state of California. 
The plaintiffs attorney ( who was a paid litigate stand-in for most of the firms who were due in court that day ) explained to me afterward how terrible this practice was and that it had been going on for at least 8 years.
Consumer complaint received 2020-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (PA)

Last year I had fraud occur on my Best Buy account and Best Buy investigated and sent a letter stating it was resolved ' we removed any disputed charges, related fees and interest charges '. What they failed to do was to remove late payments indicated in XXXX of XXXX and XXXX of XXXX and after numerous calls refuse to provide an additional letter stating that the late payments were in error and the account has never had a late payment in its history. Because of the late payments my FICO scores have dropped by over 100 points and I am now being refused the ability to refinance my mortgage. The original account number was XXXX but it appears they have assigned a new account number XXXX
Consumer complaint received 2020-02-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

My mortgage loan was modified by PHH on XX/XX/XXXX( see attached ). After the loan was permanently modified, PHH canceled the modification and proceeded with foreclosure action. PHH cited on XX/XX/XXXX( see attached ) that there were issues with the title that prevented acceptance into the program. Since my loan is secured by FHA, there is a right to clear title issues prior to closing on an y modification deals. PHH never allowed me to clear up the title issues, which stem from HOA dues. Moreover, the law firm representing the HOA, set up a payment plan on the outstanding balance due ( see attached ). This payment plan is an actual agreed order entered into court, which negates the right for the HOA to proceed with any foreclosure activity. The agreed order was never submitted to FHA for underwriting consideration. PHH is clearly motivated to foreclose in order to collect excess fees by billing FHA for foreclosure costs. PHH is in violation of general CFPB law, based on the lack of transparency during the modification process. They are also in violation of FHA 24 CFR Section 203.604, for failure to meet face to resolve delinquency issues. FHA requires all mortgagees to have a face-to-face meeting with the borrower, or make a reasonable effort to do so, before the borrower is seriously delinquent or foreclosure activity commences. PHH has set a foreclosure sale date of XXXX, so I am seeking your assistance on this matter.
Consumer complaint received 2023-03-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC (TX)

On XX/XX/2022 A company opened for the two amount of {$1500.00} - {$1000.00} a collection I never signed a document They are violating my rights of the FCRA as a consumer saying that I owe this debt to the collector I dont know who they are and have not written consent from my end Also they have not verified that I owe this debt to this alleged company Please have this removed from all three credit bureaus XXXX XXXX
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

after get a letter informing me about my property taxes had not been paid i call shellpoint to check my escrow bal I was a little shocked to find out that XX/XX/2020 shellpoint took {$720.00} for the escrow and applied it to my deficiency on XX/XX/2020 shellpoint took {$1500.00} for aexpense account and applied it to my deficiency prior to your letter dated on XX/XX/2020 shellpont couldn't validate any deficiency so shellpoint was closed the loan a balance of XXXX Total when to my deficiency {$2200.00} Payments are made in House Note that I should not have been paying any house note only my escrow account I was forced to pay it trying to not ruined my credit and it still got ruined by Shellpoint XX/XX/2020. {$420.00} XX/XX/2020. {$610.00} XX/XX/2020. {$610.00} XX/XX/2020. {$630.00} XX/XX/2020. {$610.00} XX/XX/2020 {$610.00} Total {$3500.00} I am requesting that {$5700.00} be returned back to me immediately The grand total for deficiency and house payments escrow account {$5700.00} XXXX XXXX XXXX
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HW Holding, Inc (CO)

This issue arose  in 2013 and I have my attorney contact this company for reporting this on my report without informing me of this activity which is against the law. I have never gotten any notices or calls from Hunter Warfield regarding this balance and they have no record of reaching out to me either. This was all taken care of in 2013 and  now it is resurfacing again without any notice from the agency again.     Please take this off my report as this issue has been resolved legally.
Consumer complaint received 2020-02-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (CA)

We recently did a mortgage modification with Statebridge Company , LLC. During this process, we were initially denied because they made a mistake denied us based on using only one source of income, rather than two. Then had to dispute this and reapply, ensuring that they try to qualify us using BOTH sources of income. We were then approved for a trial modification. We were then denied our modification because they held 3 of our payments and posted them late. I was then forced to dispute this and provided receipt of my wire transfer confirmation. The modification was then approved. 

Since then, the mortgage statements have consistently arrived after the XXXX of the month ( when payment is due ), and there has been an overdue payment of XXXX. This was not included in our modification paperwork, nor were we sent a bill identifying what these fees are. I have made multiple attempts, by calling and emailing, to find out what this charge is for. The customer service agent tells me that it's for various charges, and directs us to speak with the lady that handled the modification directly. No one has reached out to resolve this issue and I do not believe that we are liable for this bill.
Consumer complaint received 2020-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (KY)

On XX/XX/2020, I made an electronic funds transfer to pay the full balance of my credit card account, in the amount of {$9100.00}. The following month, I received my credit card statement showing a balance owed of {$75.00}. The credit card company was trying to charge me interest. The account statement shows the activity and clearly shows the credit card company charging me twelve days ( 12 ) after the balance was paid in full. I think this is an unfair and potentially unlawful lending practice.
Consumer complaint received 2023-03-24
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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
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. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update or delete the following items in my file immediately : XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-23
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX these accounts below Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX have 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 2019-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

Citi card closed my credit card account with NO advance notice or NO communication sent ( via a call/email/letter ) that my card has been dormant for more than 24 months ( i.e. I did not use this card for any transaction ). This abrupt closure has affected my overall credit limit, overall credit history and my credit score which shows a drop now because of this unethical business procedure. Peers of Citi card such as XXXX, XXXX, XXXX, etc. at least provide advance notice in such regards and are customer-centric to let the customer decided on the next best action on a particular card. All Citi card cares about is that bottom line they make money off of their customers. Their business practices do not allow the customer to be notified or seek their approval for such things. This business practice was confirmed by a supervisor in their Credit Card business called XXXX whose Rep ID is XXXX ( Citi card does not give an advance notice nor do they allow customers to transfer existing credit card limit to an existing card prior to closing it without advance notice )
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (CT)

I LOGGED INTO MY CREDIT MONITORING SITE AND NOTICED THAT THERE WAS SOME FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THESE ARE THE ACCOUNTS AND DATES WITH THE AMOUNTS 1.CREDIT COLLECTION SERV {$720.00} DATE OPENED ON XXXX 2.XXXX XXXX XXXX  {$250.00} DATE OPENED ON XX/XX/XXXX 3.XXXX XXXX {$300.00} DATE OPENED ON XX/XX/XXXX 4.XXXX XXXX XXXX {$19000.00} DATE OPENED ON XX/XX/XXXX 5.XXXX  XXXX XXXX {$360.00} DATE OPENED ON XXXX 6.XXXX XXXX XXXX {$650.00} DATE OPENED ON XX/XX/XXXX 7.XXXX XXXX XXXX {$240.00} DATE OPENED ON XX/XX/XXXX
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

remove the different names on my credit report : EXPERIAN said it was a mistake by companies and it doesn't matter... I only have 1 name XXXX XXXX XXXX Received 2 letters from XXXX Credit Card asking for information. I called and said I did not apply. @ nd letter said I was declined. I called they said it was fraud ... and they would review ... and remove from my credit inqueries.. 
I FILED ALSO WITH FTC XXXX XXXX my C/C texted me XXXX WAS BEING CHARGE {$1400.00} I called them and said it wasn't me please block XXXX from my C/C 1XXXX CARD XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX. XXXX XXXX XXXX AUTO LOAN : I HAVE XXXX DID NOT APPLY TO XXXX  3.XXXX XXXX XXXX XXXXXXXX : DO NOT KNOW THIS XXXX 4XXXX XXXX XXXX ... ..DO NOT KNOW THIS 5. XXXX CREDIT/XXXX XXXX XXXX NO PHONE NUMBER... .DID NOT APPLY FOR AN RV 6. XXXX CREDIT/ED XXXX XXXX NO PHONE NUMBER DID NOT APPLY 7.EXPERIAN needs to remove soft credits ... .I was mislead by the web site and I was charged a subscription... .I only wanted the free boost they were emailing me gave me MEMBER ID : XXXX. I CAN NOT CLOSE IT OUT I DONOT WANT THEM CONNECTED TO MY PERSONAL BANK ACCOUNT MY name, phone number are on the DARK WEB I was also scam by an attorney on credit consolidate in XXXX paid 3 years then notified by the attorney generals office that I was a victim
Consumer complaint received 2018-05-07
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: Experian Information Solutions Inc. (NJ)

This is on my credit reports, but is not my account : XXXX XXXX   Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit.

Account Number Account Status PAYS_AS_AGREED Available Credit {$31000.00} Reported Balance {$30000.00} Debt-to-Credit Ratio 97 %
Consumer complaint received 2020-11-11
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. (TX)

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 TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX I XXXX {$1300.00} XXXX XXXX XXXXXXXX XXXX {$310.00} XXXX XXXX XXXX XXXX {$900.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX
Consumer complaint received 2021-02-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I am reporting an incident where my bank declined my fraud case and refused to refund me back the {$850.00} that was stolen from me. It started by my wife finding a Boston terrier pup on XXXX. We just put down our Boston terrier and my wife wanted to get a Boston terrier puppy for our kids to grow.up with. After talking to them on the phone. She picked out a.puppy, signed an agreement, .and paid {$850.00} through XXXX . Emails enclosed. Afterward they had a currier contact is to deliver the puppy. Then they asked for additional {$950.00} in money orders for a special delivery crate. We instantly suspected fraud and asked for our money back. They kept giving us bs response, stopped answering their phone and eventually it was disconnected. We then filed a police report with the XXXX police department ( XXXX ). Then reported the transaction as fraud with our bank Bank of America. I never received a confirmation and could not find it online. So, I called them back, and they transferred me to the XXXX department who advised the case is still pending. They never requested to provide any documentation. After several follow ups. After 6 weeks we received a denial letter that explained the funds could not be retrieved. I called back and was told several times they could not approve my case.
Consumer complaint received 2018-05-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (AK)

I used to use XXXX 's XXXX card. I stopped the card and asked, " Do I have any remaining balance that I can clear right now ''. I was replied " No sir ''. I want to close the account and plz make sure that is closed with " XXXX balance '' I was replied, " Your account closed with XXXX balance ''. After quite some some, may be more than 6 months, XXXX 's XXXX store in XXXX, Alaska closed their store and then I started getting letter from mcm-XXXX  XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA-XXXX, phone-XXXX XXXX XXXX. 

The quoted info : Original creditor : XXXX XXXX Original A/C : XXXX   mcm A/c : XXXX Current owner : XXXX XXXX XXXX current balance : {$640.00}
Consumer complaint received 2023-03-24
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. (MA)

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XX/XX/2023 XXXX  XX/XX/2023