davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Navient tried to increase the amount of my monthly payment 3 months ago, claiming they redisclosed new terms of my loan and that my loan would not be paid off within the 360 months I had originally signed. This increase was made after 14 years of the same monthIy payment. Navient had bought my loan from Sallie Mae, who had bought my loan from XXXX. I spoke to 3 levels of supervisors who then agreed to change the amount back to the original monthly payment I had been making. 3 months later, Navient again tried to increase the monthly payment, claiming again that my current payment would not fit into 360 months. I argued that any monthyl loan payment should stay the same from beginning to end unless terms were renegotiated. They repeated that they had to abide by federal guidelines and " redisclose '' new terms. 

This is false and predatory action. Repayment of any fixed rate loan should never change.
Consumer complaint received 2018-09-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: World Omni Financial Corp. (FL)

In XX/XX/XXXX bought a new XXXX XXXX XXXX from XXXX XXXX in XXXX, Florida and opted to add an additional product of life insurance that was provided by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX in the amount of {$1300.00} for the term of the loan. I have traded this vehicle in for a new XXXX XXXX XXXX and was owed a refund for the life insurance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX and found that I was only to receive a refund for the amount of {$490.00} dollars out of the {$1300.00} paid to them. 
My feeling that this is another way of ripping off consumers considering that only two and one half years had elapsed on the loan and was charge {$880.00} this is an outrageous amount and again its a money maker for the company at the expense of the consumer!
Consumer complaint received 2018-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group (TX)

Received a notice of debt due in a letter dated XX/XX/XXXX. The debt results from a lease that terminated on XX/XX/XXXX, there was no early termination of said lease as claimed by the creditor. 
On XX/XX/XXXX, I received notification regarding my ability to renew my lease. XX/XX/XXXX within the 60-day period, I requested that my lease be renewed for a period of 10 months. On XX/XX/XXXX, I received a notice of eviction. 
On XX/XX/XXXX, I went before the Justice of the peace court in Texas regarding the eviction. The judge ruled against the creditor and we agreed that I would vacate the property on or before termination date of my lease. On XX/XX/XXXX, I delivered a letter to the creditor that described the terms of our agreement regarding the termination of my lease and my vacating the premises. 
On XX/XX/XXXX, the creditor served me with another notice of eviction. I moved out of the property in question on XX/XX/XXXX. The creditor is accessing me an early termination fee and various other charges under the lease which terminated on XX/XX/XXXX. I have disputed the validity of these charges by certified mail on XX/XX/XXXX and XX/XX/XXXX with the collection agency and the creditor. 
I have requested by certified mail on XX/XX/XXXX and XX/XX/XXXX copies of documentation, including a copy of my lease, to date, I have only been provided a copy of my lease and not other documentation which could potentially resolve this matter. 
On XX/XX/XXXX, I received notification that the amounts in dispute were being filed with the national credit bureaus and shown as " disputed ''. 
On XX/XX/XXXX, I receive notification that my original complaint was closed to the Federal Trade Commission. The creditor claims that the lease was terminated early. Not such termination exists. The lease expired on XX/XX/XXXX and I was not provided with any opportunity to renew my lease as I stated in my notice dated XX/XX/XXXX. 
Further, the parties agreed in front the judge that I would vacate the premises on or before the expiration of my lease. I did so as we agreed.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-08
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: Experian Information Solutions Inc. (TX)

I did not authorize the accounts showing on my credit report. I have been away traveling for college. I recently came back to XXXX from Oklahoma. I checked my credit report because i am trying to get a apartment and was denied. I have never tried to use credit until now. I don't know who opened the accounts on my credit report but it was not me. i am listing the additional information that does not belong to me here : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX tx XXXX
Consumer complaint received 2022-07-25
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXBalance : {$0.00}.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MN)

I receive notification that my personal information had been found on the dark web including my Social Security drivers license and address. I tried reaching out to Experian in order to place a credit freeze on my account and tried using their online system twice but the site crashed both times. then when I tried to contact Experian its absolutely impossible to get a hold of them. the number only brings you to an automated system that wont connect you with a live person and is unable to set up a credit freeze or from alert. your only option is to mail in any communication to them. This is completely unacceptable given the fact they are one of the three major credit reporting agencies XXXX XXXX and XXXX are both easy and helpful and it was possible to set up a credit fraud alert and a freeze. This company shouldnt be allowed to act as a credit bureau if theyre not accessible to the public. I tried multiple ways of getting a hold of them including numbers that werent even designated for credit reports but nobody answers
Consumer complaint received 2023-08-12
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 wothout written instructions.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX I previously contacted XXXX, Transunion and XXXX in regards to account listed on my personal credit report that is listed as a Charge off/ Collection. The account is listed as XXXX XXXX with an account number attached as such : XXXX. This vehicle was completely paid off with no balance owed by XXXX in 2018. This company is continuously reporting false and incorrect information on my credit report which is not a reflection of my character. After contacting these credit bureaus XXXX founded that this account was placed on my report with incorrect information and no balance was owed at any time and DELETED the account. Transunion and XXXX are not completing their due diligence which is greatly affecting my life. I have asked several times for documentation which legally validates the account which they continuously fail to provide to my person. These companies are including fraudulent information on my credit report from companies who pay their salaries and not acting in the best interest of the consumers. These practices are malicious and indecent. How can one company come back and state their information should have not been placed on my credit file and deleted it but these companies are sending letters to my address stated VALIDATED with no validation information or documents. I want this account reinvestigated immediately providing these bureaus with 15 days because I previously gave them more than enough time and information in the past. I would like all findings and conclusion correspondence via CFPB and then an updated copy of my credit report to be mailed to my address. I do not want this complaint closed until the investigation has been completed and I am providing with all documentation in the event they say the account is Validated. I am seeking payoff documentation and all payments XXXX XXXX received from XXXX, all notices I was forwarded in regards to a balance, the original contract associated with this account, my signature bared on the original contract and all documentation produced to your party.
Consumer complaint received 2019-03-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation (TN)

This had been the worst year of my life financially. My fiance was in a XXXX and even when he recovered needed extra assistance and time before he could go back to work.

I have been paying world finance for years foolishly refinancing a personal loan. I have almost paid them off - I owe a total balance of just {$260.00} and am 10 days late on my payment. They get paid every single month but this month they have decided to take to harassing my friends family and former employer and it needs to stop.
Consumer complaint received 2022-03-08
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-04-27
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. (VA)

Recently, I received a copy of my credit report from EXPERIAN. 

The credit report showed a FRAUDULENT COLLECTION. This collection is from a company in XXXX. I have never been in XXXX let alone purchase anything there. This collection is a fraudulent collection. 

I am have send Experian a copy of XXXX XXXX County Police Department Fraud Case Report # PD XXXX. Experian is refusing to Delete the Fraudulent Collection from my credit file.
Consumer complaint received 2016-08-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: KEYCORP (OR)

I had a loan with KeyBank with a 10 year arm. 2 months prior to the full payment due, I attempted to refinance with KeyBank or extend the 10 years. They denied my refinance and denied my extension. I had 10 years of excellent service with them. All payments were on time, they never missed a payment from me. When submitting my extension request, I said I will do whatever it takes, including sell the property to help them and myself achieve our goals. They denied me because they said I wanted to sell. I told them I was just trying to show them that I will do whatever it takes to make them continue to work with me. Then I applied and was denied based on school loans. I am still XXXX and my loans are deferred. I payed off a XXXX mortgage with KeyBank with my retirement and they told me to apply again. I was denied again. Only this time I waited for a reply and got nothing, I emailed, heard nothing, then finally called and they said that now I was outside of my time for the loan and would have to reapply a 3rd time. My emails get deleted to KeyBank without being read through an automated system according to the person I talked to. Attempt # 3 was unsuccessful and I was denied. I then had to have my mother buy the house from me as a rental property herself. That took 3 months over the 10 years and now my credit is affected all because KeyBank would not work with a long standing customer. Now I just realized they are charging me {$18.00} monthly to have my checking account with them. What a horrible company!
Consumer complaint received 2022-03-08
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-09-11
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: Local Data Recovery, LLC (KY)

On Friday, XX/XX/2018 a woman named XXXX XXXX ( Local Data Recovery/XXXX XXXX, not sure which one she works for she says one thing and then it shows on my bank as another name ) contacted my mother and told her that her company was going to be filing a legal suit against me for defrauding a bank and that if I didn't contact her by XXXX she was going downtown. My mom texted me her number, and I called. She was calling to collect on a valid account I do owe, she told me the sum was $ 900+ dollars and they were willing to settle, however if I didn't pay ASAP she would be going downtown. I paid {$190.00} on Friday and agreed to pay another {$190.00} in a couple weeks. On Sunday I decided to run my credit report, because I regularly run my report because I'm trying to fix my credit to buy my mom and me a house. Over the summer I had talked to another company, XXXX XXXX, about the same account for XXXX XXXX, and I know debt companies often sell the debt to other companies, but the company I talked to over the summer was still reporting the account, and I thought that was odd. I called them on Monday and asked them if they'd sold my debt to another company and they told me no, that in fact it was still valid with them and that XXXX might have been running a scam. I canceled my debit card to make sure that no money would be taken out without my permission, especially if this was a scam -- which I believe it to be. I called them Monday ( XXXX-18/yesterday ) and spent an hour on the phone with them, trying to figure out why they were reporting the same account for almost triple the amount, the woman was rude telling me that companies buy and sell debt all the time, which I already knew. I mentioned to her that I believe her company to be a possible scam and she replied 'a scam is something you don't know about, you know about this debt '. I would like this company to stop all further contact with me and refund the money they stole. My bank is already disputing the transaction with the company to refund my money. I find it unbelievable that two companies would report two the exact same debt at different amounts. I've never been in this situation so I really have no idea what to do. 

I do have a document I signed, however I am unable to currently attach it ( using my work computer to submit this and we can't use XXXX ).
Consumer complaint received 2018-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

During the recent disaster from Hurricane Irma XX/XX/2017, I reached out to the lender to provide payment relief, they gave us a payment deferral which they advised would get added to the lone, they then didn't provide any options as required by Federal Law and started threatening with Foreclosure if the full amount {$4500.00} was not paid in full.
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

My American Express Serve account was locked or " permanently suspended '' due to " activity that violates the terms of the Consumer Use Agreement ''. I received an email informing me of this on XX/XX/2022, several days after the account was actually locked. The email gives a XXXX XXXX XXXX for me to write to if I have questions. I have called the XXXX line several times. Yesterday I was on hold for 30 minutes and gave up. Today I was on hold for an hour, briefly got through to someone and the line disconnected. I have no way to access the money that is in the account and seemingly, no one I can speak to about it. I feel like Amex has just robbed me of my money and I have no recourse. There was a little over {$200.00} in the account, money that I really, really need access to and I can't get it.
Consumer complaint received 2023-02-02
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2019-03-29
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)

I reached out to you all in XX/XX/2018 regarding some items on my credit that are not mine. I'm trying to purchase a home and there are still items on my credit that are not mine. I dont really know where they left off with this last year but I do know that the items are still on my credit report. Please remove these items 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 2019-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

1. In XX/XX/2019, my mortgage was sold from Ocwen to PHH Mortgage. 
2. On XX/XX/2019, I had an automatic payment sent to Owen, 3. In XXXX, PHH said they did not receive the payment from Ocwen and said it will be a few weeks to a month before it is reflected in their system. To date, XX/XX/19 they still have no record of this payment. 
4. My loan has also increased by {$150.00} without them informing me. 
I have sent payments towards my balance numerous times and PHH mortgage says it does not satisfy the loan requirements. Meanwhile, my " balance '' keeps increasing and there is a " Notice of Intent '' 5. PHH has asked me to fax in my grievance - which I have done so on XX/XX/XXXX, to date I have not received indication the matter has been looked in or resolved. Each customer service rep keeps saying the same thing over and over and nothing has been solved. They keep saying, " they are looking into it. '' Please review the XXXX reviews, PHH Mortgage customer service is the worse, not helpful at all.
Consumer complaint received 2021-06-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

On or around XX/XX/2021 an attempt was made to communicate with Experian by submitting a letter via certified USPS mail requesting that a dispute be initiated. Experian has been unresponsive and also have not taken steps to assist with this issue. 

The account is under XXXX XXXX XXXX whom is currently under litigation for engaging in subprime lending practices to consumers between XX/XX/XXXX-XX/XX/XXXX. Because I am in the eligibility criteria and qualify for relief it is my intent to be sure that each of the credit bureaus are also complying with this matter by removing the account from my consumer report. For identification purposes I've included my driver 's license and social security card so that this matter can be properly addressed and the dispute is started. Also included un this compliant is the letter that has been sent to XXXX XXXX directly.
Consumer complaint received 2018-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Select Portfolio Servicing has yet to respond to this complaint. XXXX OPEN Submitted STATUS Submitted to the CFPB on XX/XX/2018. They continue with Forced Placed Insurance on a property they do not have a security interest in according to the legal deed and mortgage documents. I continue to dispute any and all charges by Select Portfolio Servicing.