davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-15
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. (PA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

The school was non credited and was shut down. I tried to get my loans refinanced and then forgiven. The lender first told me that was not an option and I can do an IBR form. I found out in XXXX that because the school was shut down that I did qualify for a grievance which I put in XX/XX/XXXX. My interest rate continue to go up with no way of me repaying it. I have been dealing with this from the lender since XX/XX/XXXX. I have pleaded to get information on how to help lower my interest rate that keep accumulating. I also ask are there efficient payment plans that will help me get out of debt. They instructed me to go back to school, which created more debt. I owe over {$65000.00} in student loans, which I have no way to repay them and no credit left to purchase a home. I am asking for answer and help on what I should do now. I am a single parent living in public housing struggling to live a balanced life in this economy.
Consumer complaint received 2017-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MA)

SLS mortgage provider is servicing two of my loans. 
On one of the loans they 've lost a payment for the month of XXXX 2017. I  did send a payment and have a cached check image on file with my bank. 
SLS have received payments for both loan accounts for all other months - not a single missed payment. SLS also received payments for the month of XXXX - on both accounts. Yet they 've put my account into delinquent state - not giving me a courtesy call or a grace period to react to the XXXX statement and realize that XXXX payment on one of the accounts was not posted. 

I have provided SLS with an image of a cleared check, all the data necessary to prove that payment was received by them, yet I 'm still in delinquent state. I 've recently located the funds too and called their customer service to explain that they mistakenly posted the payment to the other loan account that I have with them. 
Their response is that the delinquency will be removed once funds are transferred to the correct account. Their original quote was 60 days to handle this issue. Now I 'm getting a quote of at least 10 business days to transfer money to the correct loan account. 

I 've asked SLS if this delinquency has been reported to my credit history and they confirmed that it has even though consumer should have 60 days to appeal any financial issues prior to being reported to the credit bureau. 

I would like the poor service provided by SLS to be reflected on their public rating and record. 

I would also like to make sure that their mistake does not get reflected on my credit history - neither now nor several months down the road.
Consumer complaint received 2022-01-26
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. (OK)

Hello, I have paid this collection back on XX/XX/2021. They said it would be deleted from XXXX and Experian credit report. I have contacted the company XXXX, XXXX over and over. I have told them several times that I have already paid this debt! I have paid this debt!!!! I'm not paying this again!!!! Per law I need this removed from my XXXX and Experian credit report. I have attached lawsuit that explain this company has been sued for not reporting paid debts. I have also attached the receipt I got showing I paid this!! I need this removed ASAP!
Consumer complaint received 2022-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I pulled my credit report and noticed fraudulent inquires. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX Data XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

Yes i open a XXXX account and another bank account. Apparently there was hacking to my XXXX account. They block access to my chase account. I called them and talk to them. They told me i regain access and closed these accounts. About year now and no avail. I get same answers when i call.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IA)

To whom it may concern ; I am writing in regard to the above referenced accounts and transactions. 

This is not a refusal to pay, but a notice that this account is disputed. 
Under the laws of the ( State of Iowa ) UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (TX)

On XX/XX/2021, upon checking My PayPal prepaid app and noticing several unauthorized transactions from debit card to my account, I called PayPal prepaid at XXXX at XXXX XXXX. I spoke to an agent and let her know unauthorized charges were being made with my debit card number online, I stated I wished to cancel the card, because it was apparent it had become compromised somehow. She stated that she would send a new card in the mail, and that my disputes of these unknown and unauthorized transactions would be investigated within 10 days. 

On XX/XX/XXXX, I recieved my usual, weekly direct deposit from XXXX. 

On XX/XX/XXXX, i recieved my usual, weekly direct deposit from XXXX. 

On XX/XX/XXXX, I recieved an email from PayPal Prepaid, requiring that I submit via email, a written dispute of the hundreds of unauthorized transactions that I reported orally on XX/XX/XXXX. It was stated I must do this to qualify for a provisional credit. I emailed and submitted my dispute document on XX/XX/2021. 

On XX/XX/XXXX, i received confirmation of receipt of requested documents. It also stated my next update regarding my dispute would be XX/XX/2021. 

On XX/XX/XXXX i recieved new card in the mail. 

On XX/XX/2021, I received a text message from XXXX stating there may be a problem with your PayPal prepaid card. Please call XXXX before using your card. I immediately tried to check my account via the PayPal prepaid app, I could not access it, my access had been blocked. So I called the number listed in the text message. 

I was then told by an agent, that my account had been closed down indefinitely due to fraudulent activity. I could not access my direct deposit from XXXX that day, or ever. When asked about my provisional credit, I was told I was denied any such thing. I explained I was already late on my utilities due to this and I explained this was the only account I had. That I fully depended on that account. On top of that I was told my investigation would be extended until XXXX. Finally after begging for access to my own money, I was told to borrow money from family if I needed to pay bills and then I was hung up on. Now, my phone is shut off due to non payment, I cant not pay my bills since my money has been stolen from me from the card issuer. 

The responses I have recieved from PayPal prepaid are unacceptable, woefully deficient, and disrespectful. My husband and I have missed going to 3 weeks worth of work due to this issue and have now both lost our jobs because we have not been able to access our funds so we can get to work. We have lost so much do these illegal, unfair, and harmful acts done by the card issuer.
Consumer complaint received 2022-01-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (WA)

I have used a Citi credit card for years without problems, paying it automatically in full monthly with my only checking account from XXXX ( credit union ). While logged to my credit card account last summer, I was offered to open a Citi accelerated savings account, which I accepted. I sent money to Citi several times from my checking account in XXXX. Unknown to me, the debit card for this new account was delayed several months. In XXXX one or two Citi cards got to my house, which I share with my son who has the same first and last name, but different middle initial and SSN. My son, who also has a Citi credit card, opened both and called Citi to tell them they were not his. Citi did not attempt to contact me at my phone and email address I reported when I opened the account. Citi listened to a person, my son, whose XXXX does not match the account in question, but blocked my savings account and withdrew the funds, more than {$84000.00}, on XX/XX/XXXX. I learnt this when I got the monthly statement in XXXX. I have called about XXXX times spending about XXXX hours trying to get explanations and have it fixed without success. I have been told the money was returned in XXXX to my checking account, UNTRUE. I was then told it was returned to the checking account on XX/XX/XXXX, UNTRUE. I was told to call different departments in Citi and all of them send me to a different one. I was told to go to the Citi local branch, which does not exist in my entire state. Finally, Citi closed the account and told me they are withholding the money until my XXXX bank sends them legal documents ( a Hold Harmless form ), which XXXX does not want to send because they normally do not do that. So, Citi is preventing me to access my funds despite me having submitted to Citi copies of my passport, utility bill and original from XXXX ( verification of account ownership ). I am now retired and will soon run out of money in XXXX. I do not get SS yet and Citi keeps saying lies and using delay techniques to avoid returning my money to me. 
Citi, without checking XXXX 's, talked about my account to somebody ( my son ) who said this account was not his, instead of taking to the owner, me. With faulty information Citi closed my account as a result. As of now they have not returned my money to me and since my Citi account is now closed, I am not sure I am earning money there. 

Please help to have Citi fix this problem which was created by its employees acting foolishly while listening to somebody who was not the owner of the account Citi promised to keep for me and me only. Even worst is the set of lies and delays Citi is using to avoid returning my money. I simply do not trust Citi anymore. It is a shame how they take advantage of people who are not millionaires. Help!
Consumer complaint received 2021-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (PA)

debt collector Harris and Harris XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX, ( XXXX ) XXXX XXXX did not send a letter stating any amount was over due. so that I could dispute it. I do not have a balance due for medical/hospital. As a matter of fact. the hospital refunded me {$30.00} dollars for over payment of the billing. The debt collector erroneously, reported a debt of {$100.00} dollars to the credit reporting agencies which negatively affected my credit score. I have attempted to resolve the matter by phone and have not received a phone call back. attached is a copy snap of my account that states XXXX balance also a copy of a check refunded to me for over payment. if any money was owed the hospital would have applied that {$30.00} dollars to the bill.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I hope this letter finds you well. I am writing to bring to your attention a matter of utmost urgency and concern related to my account with Credit Bureaus. It has come to my notice that there are fraudulent items associated with my account, which require immediate attention and resolution. 

Despite my previous attempts to address this issue through your designated channels, the fraudulent items persist on my account. This situation is causing me significant distress, and I am deeply troubled by the potential impact on my financial well-being. 

I kindly request the following actions be taken urgently : Immediate Removal : Please promptly remove all fraudulent items and transactions associated with my account.

Thorough Investigation : Conduct a comprehensive investigation into the origin and nature of the fraudulent activities to prevent any recurrence.

Communication : Keep me informed about the progress of the investigation and the steps being taken to resolve this matter. 

Security Measures : Implement additional security measures on my account to prevent any future unauthorized access or activities. 

I understand the importance of maintaining the integrity and security of your services and believe that swift and decisive action is crucial in this situation. I trust that your company values the well-being and satisfaction of its customers and will take immediate steps to rectify this matter. 

Please acknowledge the receipt of this complaint at your earliest convenience. I anticipate a prompt resolution to this issue to restore my confidence in your services. 

If the necessary actions are not taken promptly, I may have to explore alternative avenues, including reporting this matter to relevant consumer protection agencies. I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : 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 2022-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

MR COOPER Payoff wire to Mr. Cooper XXXX {$320000.00} - The amount sent was mistakenly a typo error and should have been for $ XXXX short by {$9000.00} from the title company. 

On XX/XX/XXXX a representative from Mr. Cooper contacted XXXX XXXX XXXX regarding the {$9000.00} shortage, this was confirmed and XXXX XXXX XXXX immediately sent a second - Payoff wire {$9000.00} to Mr. Cooper XXXX XXXX. The second wire referenced the loan number and all information used for the wire on XXXX. 

By conversation with a representative from Mr. Cooper we understand the remaining funds in our escrow account over {$9000.00} were used to close the account. The {$9000.00} wire was never applied to our account. As of today XX/XX/XXXX, {$9000.00} sent to Mr. Cooper on XXXX is still unaccounted for. XXXX XXXX nor XXXX XXXX XXXX has not received back the {$9000.00} sent on XX/XX/XXXX. 
We have called Mr. Cooper several times and filed a dispute with them to help to locate these funds and return them to either XXXX XXXX XXXX or to send to us as they are due to us immediately. We are owed our escrow funds back of {$9000.00} and still the no response.
Consumer complaint received 2018-06-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHECK INTO CASH INC. (CA)

On XX/XX/XXXX I checked my credit report to see a new account listed in collections from XXXX XXXX XXXX with account originating from " XXXX CHECK INTO CASH '' for the amount of {$280.00} that had been paid down recently by 12 % and is not {$250.00}. This was very suspicious because I've never even been to a check into cash XXXX nor have I made any kind of {$30.00} payment towards a XXXX loan. I checked online to see what the requirements were for application for a XXXX loan and it was paystub photo id etc. So someone must have all these types of verification documents about me enough for the XXXX loan company to approve the loan. Or this XXXX XXXX XXXX company is doing something very shady and unscrupulous with my identity. What boggles my mind then most is : who what and where is the {$30.00} coming from to pay down the account?
Consumer complaint received 2018-06-28
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. (GA)

On XX/XX/2018 I sent a letters to XXXX and Equifax disputing the following items XXXX XXXX  XXXX for {$860.00}, XXXX XXXX XXXX for {$550.00}, XXXX XXXX XXXX for {$6400.00} advising that I have no knowledge of the debits. In my letter I stated I was requesting a signed confirmation with my signature that I opened the referenced accounts. Under the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX I have the right to demand that they disclose to me all the documents that they have recorded and retained in their file at the time of the request concerning all the accounts that are reported on my credit report. I saw where they removed XXXX XXXX XXXX from my report and then they added it back to my report. As of XX/XX/18 no one has notified me about my dispute or submitted any documents to me with my signed signature for all three referenced accounts. I am requesting that all three accounts be removed from my credit report immediately by publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties they are damaging my reputation and credit worthiness. I am attaching a signed copy of the letters that was submitted to XXXX and Equifax.
Consumer complaint received 2015-04-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NC)

XXXX XXXX has spun off my student loans to their new company Navient. I have historically worked with the office of the umbudsman to be a participant in their rate reduction program. When Navient took over my loans they canceled my rate reduction program and now my interest rates are at obsurd levels that I can not sustain the payments. I 've tried to work with Navient and XXXX XXXX directly but they always say they do not have a rate reduction program. Last year to get my rate reduction renewed I had to enlist the CFPB, Social Media and a reporting team at XXXX. I 'd like for Navient to re-institute my rate reductions and make the reductions permanent.
Consumer complaint received 2022-01-14
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: C/C Financial (TX)

On XX/XX/2022 the consumer sent XXXX XXXX a cease and desist pursuant 15USC1692c. Preferred lease has already been paid for the alleged debt. Plus extra monetary. The company replied to complaint # XXXX. Pursuant 15USC1692b The consumer never gave perferred lease written permission to communicate with the consumer or access the consumer report. The Consumer is still being harassed by email and text messages willfully regards to what the federal consumer law says. Preferred Lease is still invading the consumer privacy. Today a default and opportunity to cure was sent to the debt collection company certified mail with return receipt The company still has not responded under perjury and penalty. We hope this matter can come to a resolution soon. 
Thank you,
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I was taken advantage of due to malpractice while SEVERAL laws have been broken under the FCRA by your company. This has cause financial injury, defamation of character a loss of my security clearance, I cant apply for credit and in a hotel because im unable to secure rent. Ive placed fraud alerts on my account theres countless inquiries I didnt do 2 fraudulent credit cards which dont belong to me that havent been verified and the burueas have made a mockery of my reports. I wasnt even able to obtain an XXXX loan during the pandemic while trying to secure funding for my business I created due to the fact that I couldnt get hired into my field of study because it requires a clearance.
Consumer complaint received 2022-01-26
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. (SC)

I was taken advantage of due to malpractice while SEVERAL laws have been broken under the FCRA by your company. This has cause financial injury, defamation of character a loss of my security clearance, I cant apply for credit and in a hotel because im unable to secure rent. Ive placed fraud alerts on my account theres countless inquiries I didnt do 2 fraudulent credit cards which dont belong to me that havent been verified and the burueas have made a mockery of my reports. I wasnt even able to obtain an XXXX loan during the pandemic while trying to secure funding for my business I created due to the fact that I couldnt get hired into my field of study because it requires a clearance.
Consumer complaint received 2023-07-04
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: Bread Financial Holdings, Inc. (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.