davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-19
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. (NY)

5 ( or more ) years ago I worked with Navient to not only obtain an affordable Student Loan payment but also put my Federal Loans under the Public Service Loan Forgiveness program. I've been under the impression since that time that I was working towards the PSLF. I have worked for a non-profit organization for 13 years now. I have continued to make on time payments. I contacted Navient this morning to inquire about how many payments I had left to obtain the forgiveness. I was informed at this time that I am not in the PSLF and that I do not have the correct loan type to be in the program. Navient deceived me into believing that I was signing up for this program when in fact I didn't even qualify at that time. They did not inform me that I would need to re-consolidate my Federal Loans into XXXX XXXX nor did they tell me this was even option. I have now been told that I will need to continue to pay at my current Income Based Repayment level for another 20 years ( making the full life of my loan 33 years ) OR re-consolidate and restart the clock on my 120 payments.
Consumer complaint received 2022-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Collections West, Inc. (AZ)

This debt collection has been on my report for quite some time now, going on 6 years and I dont believe its fair & it is illegal. I want it removed from all credit bureaus as a soon as possible if I guys can help me.
Consumer complaint received 2022-03-27
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose This issue was not only NOT resolved but there was no evidence of a thorough investigation as well as credible references. This company is extremely untrustworthy. They have over XXXX disputes against them.
Consumer complaint received 2016-02-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Green Square Company LLC. (CA)

calls everyone in my family and Claims there is Fraud Associated with my SSN, but will not send mail or letter confirming, the call originates from XXXX ext XXXX " Office of XXXX XXXX '' also know as premier recover group. 
they call my family and work harassment with false claim I owe a debt, this is a scam or Fraud.
Consumer complaint received 2021-12-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (CT)

I had purchased concert tickets and then discovered that the website was unofficial. I then informed my previous bank of what had occurred, and they had filed it as creditable. After showing them proof that it was not fraud, I opted to delete my account with them, but they continue to send me paperwork that I owe them.
Consumer complaint received 2021-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

Hello, I desperately need help dealing with my Fedloan servicer. I used to be with XXXX  and then when I started working for a Non profit hospital I went for the loan forgiveness. So I started working for this hospital on XX/XX/XXXX and I filed a month later for loan forgiveness. I have now been with this company for 4 years. The first year I went to certify and was approved, However theydont want to count that year. Fedloan says they need to investigate my payments with XXXX. I have sent them everything they asked for and XXXX has too. They have been " investigating this for 3 years now and they said there is no time limit. Meanwhile they are no longer going to be my servicer after XXXX of XXXX so I need this fixed. I have spoke to so many people and get the same answers its under investigation. This is wrong I should have more towards this than what they are saying I do. Please help
Consumer complaint received 2019-08-06
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. (LA)

On XX/XX/XXXX I requested that Transunion investigate the XXXX XXXX XXXX account ( account numberXXXX ) that is reporting on my credit report. According to the results I received from Transunion and my Transunion credit report the account was last updated XX/XX/XXXX. This means that Transunion has never conducted an investigation when I disputed the account. On XX/XX/XXXX I sent another letter to Transunion about them not investigating this account when I requested and demanded them to delete it for failure to complete an investigation according to the FCRA guidelines, they still didn't delete the account or investigate. This a violation of the FCRA.
Consumer complaint received 2021-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (KY)

One of the many times my mortgage has sold it was sold the last time to TRUIST... It has been a nightmare ..payment jumped about 150 per month they said ( After a 90 minute wait on the phone ) that taxes and homeowners insurance had gone up... It didn't add up since insurance had only gone up 200 or so for the year total ... and tax assessment was the exact same as before. Since I had read that tax RATES would probably go up this year I let it alone ... Today I get a notice that the homeowners insurance will be cancelled since Truist has not paid the premium. Now Monday I can take off work pay the XXXX out of pocket ... and MAYBE get it back from Truist from the escrow or just let them keep it I suppose ... .Even if I do get it back it will be months.One wonders if Truist would give any of us XXXX interest free for a couple months. This would not be happening if mortgage companies were not allowed to sell and resell mortgages. It causes a ton of confusion but why would they care? The consumer spends the time trying to work it out.HOW is this not fraud??
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Issues with Equifax 's reporting on XXXX : Account has too many inconsistencies which is being reported inaccurate. 
Unable to show method of verification for this company Does not provide sufficient information on this company Has NOT conducted a proper investigation per the last date of activity The ONLY reporting agency showing this company on my credit report while XXXX and XXXX is NOT reporting. 
Inaccurate information being reported.
Consumer complaint received 2020-11-09
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. (MI)

XXXX has reported student loans that I held with them is delinquent during XXXX which is incorrect. I have contacted the company and they stated I need to dispute with the credit bureaus which I have done on 4 separate occasion. I have also submitted documentation of my account from the company 's website showing that the accounts have never been delinquent. As these are federal student loans had they been delinquent additional actions would have been taken by the company. The account shows the following : In XX/XX/XXXX paid as agreed, XX/XX/XXXX 90 days past dueXX/XX/XXXX 120 days past due, XX/XX/XXXX 150 days past due, XX/XX/XXXX 180 days past due,XX/XX/XXXX 180 days past due, XX/XX/XXXX 180 days past due, XX/XX/XXXX no data submitted, XX/XX/XXXX no data submitted, XX/XX/XXXX paid as agreed. This same reporting was done on all 7 of the accounts that I had open at that time with " Dept of Ed/XX/XX/XXXX'' Accounts beginning with XXXX. I do not have anywhere else to contact, the bureaus state I must work with the creditor and the creditor states I must work with bureaus. I have been attempting to correct this error for more than 3 years and am at a loss as to what to do next. This issue has cost me several thousands of dollars in increased interest associated with the impact this has had on my credit score.
Consumer complaint received 2022-03-27
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. (CA)

in accordance with fair credit reporting act account # XXXX XXXX XXXX XXXX  {$2200.00} XXXX, account # XXXX XXXX, {$600.00} XXXXaccount, # XXXX XXXX XXXX XXXX jewelers {$2900.00} XXXX, account # XXXX XXXX {$940.00}, XXXX XXXX XXXX XXXX  account # XXXX, {$580.00}, XXXX account # XXXX {$580.00}, XXXX account # XXXX XXXX account # XXXX {$140.00} XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX, {$27000.00} XXXXXXXX XXXX XXXX  account # XXXX {$1400.00} XXXX XXXX XXXX  account # XXXX {$3100.00} XXXXXXXX XXXX XXXX account # XXXX {$610.00} XXXX XXXXXXXX XXXX XXXX account # XXXX {$630.00} XXXX XXXX. 
XXXXXXXX XXXX XXXX account # XXXX {$3100.00} XXXX. 
XXXX XXXX XXXX account # XXXX {$1900.00}, XXXX XXXX XXXX XXXX  account # XXXX {$680.00}, XXXX XXXX XXXX account # XXXX {$130.00}, XXXX 15 u.s.c 1681 section 602 A.states I have 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 written instructions
Consumer complaint received 2018-05-08
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)

On XX/XX/XXXX a Hard Inquiry on a fraudulent application was submitted to XXXX On XX/XX/XXXX a Hard Inquiry on a fraudulent application was submitted to XXXXXXXX XXXX XXXX On the day of each inquiry, I was notified by XXXX and both XXXX and myself called XXXX to notify them that was not me the application was fraudulent. 

XXXX took the appropriate actions and notified XXXX, XXXX XXXX and Equifax. 

XXXX and XXXX XXXX both removed the hard inquiry within a couple weeks. 

PROBLEM - Equifax will not remove without a police report. ( Police will not make a report since nothing was stolen ) I have tried for months - Two Hard Inquiries remain only on their report PROBLEM - XXXX helped during the initial dispute but now has no idea what to do. I asked them to notify Equifax that these two inquires are fraudulant and must be removed.
Consumer complaint received 2021-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (WA)

When I went to pay my monthly payment I saw that there was a charge for {$140.00} to XXXX that I never made. I did order headlight bulbs and a passenger mirror for my wifes XXXX on XX/XX/XXXX for {$84.00} paid from my checking account via XXXX. I haven't ordered from XXXX after that and the nearest order previously was on XX/XX/21 for {$110.00} for tie rod ends for my truck. I never ordered anything on XX/XX/XXXX and I never recieved anything and there's no history of that in my account. Chase stated they " found no evidence of billing error.. '' and '' The charge will remain on your account '' I'll attach the letter signed, XXXX as evidence along with everything I sent Chase as they requested. 

Weeks from getting the denial letter from Chase signed by " XXXX '' I went to pay my bill and saw multiple fraudulent charges to " XXXX '' and XXXX cash cards. Credits and returns for $ XXXX. Several. And then they got right on it apparently, but the {$140.00}, not so much. I've still seen no credit for this. Despite everything I've seen zero evidence in my account that this has been credited back to me and all the interest withdrawn. They haven't done anything but shine me on with this XXXX charge. They refused to give me a transaction reference number and then later acted as if it was credited with the XXXX fraud. But it wasn't and still isn't.
Consumer complaint received 2021-08-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (AL)

I received information from the credit bureaus that you are attempting to collect an alleged debt that you have listed on my credit reports. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my sign hippa release form? I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2022-12-03
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. (CA)

It has been drawn out into the open 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 XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX A XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (AZ)

In XX/XX/XXXX and XXXX of XXXX, I had two late fees assessed to my PayPal Credit account. I called in XXXX and spoke with a representative who waived the fees, and because I was sick, brought the account current for these months, informing me I would be reported to the credit bureaus as on time for these months. 

In XXXX, I had my credit pulled to get pre-approved for buying a house, and the late payment status was still on the account for these two months. I called Synchrony again, and spoke with a supervisor, who said they would fix the issue, and that I never should have been reported as late. They informed me that it would take about 30 days to fix, and that I would receive a letter in the mail. 

About 60 days later, I still had not received a letter, and the status had not been corrected. I called Synchrony once more, and spoke with another supervisor. He informed me that Synchrony was reporting these payments as on time, but for some reason, the credit bureaus were not updating it. He entered another request to fix it, telling me it would take 30 days again. He verified my mailing address, and said I should receive a letter this time. He also recommended I enter a dispute through the credit bureaus on this issue. While it has only been a couple weeks since then, I have not yet received a letter. 

I entered a dispute on this issue through XXXX, but instead of the two late payments being removed, a THIRD late payment was added in XXXX of XXXX, and I made my payment on time for that month. 

I called Synchrony about this, and spoke with a third supervisor, who didnt even care there was an issue. She simply read one of the letters I never received verbatim, and then hung up. 

I want these false late payments to be removed from my credit report, and I want to be compensated for the time invested and stress Ive had to deal with during this issue.
Consumer complaint received 2021-06-14
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. (NJ)

I have been trying to get these accounts thats showing on my credit that are mine. I have reached out the all I know to try and get this fixed. My coworker told me I need to speak with an attorney and he told me to reach out here. Even as of recently another Bankruptcy came on my credit. At first it only showed on XXXX  and a couple of days ago credit XXXX told me that a bankruptcy came on Transunion now in addition to XXXX. It is not on XXXX. The other accounts that are not mine are XXXX, XXXX XXXX XXXX, XXXX, US DEPT OF ED, XXXX. There were also some inquiries that are not mine XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. I'm doing this on my own.
Consumer complaint received 2019-08-06
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: EQUIFAX, INC. (VA)

I was closing on a refinance Va Loan on XX/XX/2019. The terms were that we can skip XXXX and XXXX payments. Mortgage co., XXXX XXXX XXXX XXXX up the closing and did not disclose to us to pay XXXX payment. We moved with the closing into XXXX, funding was not paid to XXXX mortgage. On XX/XX/2019, we were instructed to pay XXXX payment and the new terms were skip XXXX and XXXX payments. Even though XXXX mortgage received their money, they went to as far to report us 30 days late for XXXX payment. I in-turn called XXXX XXXX XXXX to report the problem. As of today neither XXXX XXXX XXXX or XXXX mortgage corrected XXXX 's late payment. 

XXXX XXXX
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2021-12-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (PA)

I tried many times contacting my XXXX XXXX and XXXX loan place that my car loan is through via email and phone during the COVID-19 pandemic and I left messages too. No one wanted to help me with my car loan since I was layed off of work. 

Not to mention I have waited since XXXX for unemployment benefits that are in the rearrs of about {$10000.00} now that is owed to me and I never received.
Consumer complaint received 2019-08-06
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. (LA)

On XX/XX/XXXX I requested that Transition investigate the XXXX XXXX account ( account number:XXXX ) that is reporting on my credit report. According to the results I received from Transunion and my Transunion credit report the account was last updated XX/XX/XXXX. This means that Transunion has never conducted an investigation when I disputed the account. On XX/XX/XXXX I sent another letter to Transunion about them not investigating this account when I requested and demanded them to delete it for failure to complete an investigation according to the FCRA guidelines, they still didn't delete the account or investigate. 

This a violation of the FCRA.
Consumer complaint received 2021-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

Effective XX/XX/2021 my mortgage loan servicer changed to XXXX XXXX ( Lakeview ). The previous servicer was XXXX XXXX. On XX/XX/2021, I made a payment in the amount of {$1700.00} to XXXX and that payment was applied to the XX/XX/2021 payment. The loan was then due for XX/XX/2021. However, this payment was never sent to XXXX XXXX ( Lakeview ) when the loan was transferred, and XXXX was under the impression that I still had a XX/XX/2021 payment due. I made several contacts to XXXX XXXX ( Lakeview ) to correct this error in phone calls and through service tickets ( ticket numbers XXXX, XXXX, XXXX ). I filed a consumer complaint against XXXX under CFPB Case # XXXX to send my payment to XXXX ( Lakeview ) XXXX On XX/XX/2021, XXXX finally sent the funds to XXXX ( Lakeview ). However, to this day, XXXX ( Lakeview ) still has not applied my {$1700.00} to my loan.
Consumer complaint received 2020-11-09
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. (OH)

CAPITAL ONE BANK USA N # XXXX. This was a paid for deletion account. I agreed to pay and they would remove this account from my credit report and the payment HISTORY is inaccurate as has been paid for quit sometime now and still reporting negative information as of XX/XX/2020. 

Please deleted ASAP as agreed for payment.