davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
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. (OH)

The credit bureaus stated my account was properly investigated but how is that possible if the date last active is inaccurate, date last reported is inaccurate, and also the payment status are as well. This grounds for removal, they also violated my rights under 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2019-08-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are reporting incorrectly a collection in the amount of {$2800.00} on the XXXX partial account number XXXX. ( Please see pages 27 and 28 of the attached credit report. ) I purchased this equipment up front so my contract with XXXX   should be on a month-to-month basis. I was transferred with my job and moved to a new location and I cancelled my account. XXXX has now sent me to collections for an amount that is totally unsubstantiated. I have contacted XXXX to obtain an itemization of expenses they allege I owe, but I have never gotten any response. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have been unsuccessful.
Consumer complaint received 2023-12-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (IA)

Freedom Mortgage sent me a bill for increased escrow charges, gave me the option to pay shortage or raise payment, I sent them a check for escrow shortfall, they did not credit it and raised my bill. after contacting them three times they fixed escrow lance and then charged me a late charge because they billed me for the higher monthly rate. I made my normal payment on time but they still show my bill unpaid on line. 

I pay through Bankers bill pay portal and I have two years of records of onetime payment to prove it. This firm is quite predatory and does everything it can to XXXX up payments!
Consumer complaint received 2016-02-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

Dear sir or madam, I am writing this complaint in regard to my lender, Navient. I have been attempting to contact Navient for the last couple of weeks regarding my monthly payments - specifically, potentially lowering my monthly payments since I am not only unemployed, but my payment amount has gone up with no explanation ( it is now {$500.00} when it was about {$480.00} only a couple months ago ). I have emailed Navient twice ( XXXX XXXX and XXXX XXXX of this year ) with the promise that my account would be reviewed and that I would receive a response shortly. I have not gotten a response to either email, and I think that more than two weeks should be enough time to be at least acknowledged by a live person from Navient. 

I submitted a complaint here about Navient in 2015 and I have filled out the financial information sheet that was emailed to me by a XXXX XXXX XXXX XXXX ; I attempted to email the completed form to XXXX XXXX, but when I sent the email, I immediately received an automatic response saying that my email could not be delivered because " delivery to this address is restricted. '' In addition, I requested proof of validation of debt from Navient starting in XXXX of 2015 and repeatedly reminded them of my request in the handful of letters I sent to them via the postal system. Navient simply told me they had already sent me this documentation, but I never received it. 

The primary concern I would like to address is the monthly payments and trying to negotiate a lower amount that I can afford each month. Of course, I will alert Navient if, at any time in the future, I am able to afford to pay a higher amount. The secondary concern I would like to discuss is Navient providing me with proof that the debt in my name is, in fact, valid. Thank you very much for your time. 

Best, XXXX XXXX
Consumer complaint received 2019-08-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX and XXXX are reporting incorrectly a collection in the amount of {$2800.00} on the XXXX partial account number XXXX. ( Please see pages 27 and 28 of the  attached credit report. ) I purchased this equipment up front so my contract with XXXX should be on a month-to-month basis. I was transferred with my job and moved to a new location and I cancelled my account. XXXX has now sent me to collections for an amount that is totally unsubstantiated. I have contacted XXXX to obtain an itemization of expenses they allege I owe, but I have never gotten any response. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have been unsuccessful.
Consumer complaint received 2019-08-30
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. (GA)

I have hard inquires on my credit report that was not authorized by me. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the  information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete
Consumer complaint received 2022-12-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MA)

Today, I called Navient today and spoke to a representative named XXXX. I called regarding being apart of the settlement. She said if I dont receive anything by the end of XXXX to call. She said someone would call me today about an application. I was confused until she said Navient would pay {$38000.00} and I would pay {$2700.00}. The plan is {$270.00} twice and {$59.00} over 36 months but I would have to make a payment that day or the settlement would be void and would be put in collections/default. I told her my account is already in debt consolidation so they will be paid. She said she did not care and it wasnt in collections even though it was sent to collections in about XXXX? She then threatened my SSDI by stating if its not paid, Navient is allowed to garnish my SSDI. My SSDI is all I have for income. I have it in debt collection for a reason. I have a witness who overheard the conversation : XXXX XXXX. If she takes my SSDI then XXXX be homeless and wont be able to survive. She didnt ask my income into consideration until I said something and told her that I would only live on {$800.00}. She said well this is the only payment plan I can offer for the settlement. I told her I would rather just the check and she just hung up on me without discussing the second settlement since we figured the address for the Navient settlement. I feel like I am going to lose my benefits.
Consumer complaint received 2022-03-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

I spoke with Navient on XX/XX/XXXX, requesting to lower my payments. I was offered a graduate plan for {$190.00} per month. I was told that due to a system error the changes could not be made on XX/XX/XXXX. I was instructed that my loan was forwarded to the technical department to correct the error message. It was stated that the plan change would take plan in a few days. i was also instructed that one of my loans was paid ahead up until XX/XX/XXXX and the loan due date would need to be changed to XX/XX/XXXX before the graduated plan started. As of today, XX/XX/XXXX I am still waiting for the graduate plan changed to lower my payments. I told that the error message " remove auto-payment '' is still on my account and I must continue waiting until they can resolve the technical issue in their department. Also, I don't have auto-payment on my account. This error will affect my credit bureau and also my daily interest.
Consumer complaint received 2024-04-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MD)

Hello PayPal, I recently processed a transaction with XXXX XXXX, and shortly after, I received a notification stating that my account had been temporarily restricted and there were questions regarding the transaction. 

I made every effort through the resolution center to resolve the restriction, but unfortunately, due to a glitch, I wasn't allowed to complete the steps to appeal in your system, and I had no idea why. 

Anyway, I called your customer service and spoke with the limitations department. While I was on hold, I suddenly received an email stating that my account features had been deactivated. I was quite distressed because my account was newly created, and as such, I hadn't processed any unusual transactions that could lead to these actions. 

Since I can't speak to the same representative again, I'm forced to file this complaint. Please remember, this isn't a complaint but rather a legal way to resolve my issue. 

Also, please note that I used the same documentation to verify my PayPal information on XX/XX/XXXX, and upon reviewing my account documentation, I don't see any issues or discrepancies. If there were any issues with the documentation, I would have been informed on the same day. 

Thank you for your understanding and prompt attention to this matter.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX and Transunion, have all failed to update and or accurately report my personal consumer credit information has reported to them by the following credit card issuers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( XXXX ), XXXX ( XXXX  ) and XXXX XXXX Bank. By law the aforementioned financial institutions must update regularly every month and have all done so has the process is automated. Unfortunately, the XXXX credit bureaus XXXX, XXXX and TransUnion, have all failed to honor their legal obligation to update my consumer credit report which has adversely impacted my credit score and ability to access credit in violation of the Fair Credit Reporting Act!
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian and XXXX, have all failed to update and or accurately report my personal consumer credit information has reported to them by the following credit card issuers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( XXXX ), XXXX ( XXXX ) and XXXX XXXX Bank. By law the aforementioned financial institutions must update regularly every month and have all done so has the process is automated. Unfortunately, the XXXX credit bureaus XXXX, Experian and XXXX, have all failed to honor their legal obligation to update my consumer credit report which has adversely impacted my credit score and ability to access credit in violation of the Fair Credit Reporting Act!
Consumer complaint received 2019-08-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

This debt is an entire account full of fraudulent charges that were added to my account by a mentally unstable individual working for the building management company, XXXX XXXX XXXX, who run the XXXX apartment building. This individual falsified and concealed information as well as distributed my personal information to other tenants and submitting fraudulent claims in court to further inflate their charges. 

All charges were created within 7 days of or immediately after I moved out, without any communication, simply a bill sent two weeks after move-out. 
Most notably, they are attempting to collect money for " Legal Charges '' which include {$750.00} of legal charges to reimburse them for an eviction case they fraudulently filed in court AFTER I already moved out. 
Again, they are attempting to assess " legal charges '' for a case that did not, and never could have, come before a judge. Therefore, it was an attempt to obtain financial gain by deception. The very definition of fraud. 

I provided written notice to move-out more than 90 days prior to moving out of the building from which the building management created these charges and have a written statement FROM the building manager at the time acknowledging this and stating very clearly that there would be no additional charges.
Consumer complaint received 2022-07-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

In XXXX my car was repossessed without my knowledge I had no idea and I thought the car was stolen initially. I was in a lot of distress and my personal items were in the vehicle. I didnt know my rights as a consumer. I was not notified how to retrieve my items, when the auction would be or how much it was sold for. I recently reached out to Capital One Auto and they provided me the letter that they sent and it stated it was sent to an address that I had never provided with them and is not on my credit report. I do not understand why they never sent those documents to the address attached to the origination of the loan in XXXXXXXX XXXX I asked had their been any notice previously sent to my former home address in XXXX or current address in XXXX and she said no, they sent it to an address at XXXX XXXX. This was an address that I had never provided them with. 

For several years this repossession has been listed on my credit report as a charge off and because I brought it to their attention through the credit bureau complaint, they decided to punish me by reporting it every month back to XXXX as unpaid, plummeting my XXXX XXXX XXXX points. I can no longer look for a home to purchase as a result. All my effort to maintain a decent score wiped out because of their negligence. They told me the vehicle was sold and that my debt was written off and yet it is still listed as a debt on my credit report. If they received a tax benefit, I didn't receive a 1099-C, which would mean the debt is now income that I should be reporting and not reported monthly as debt, to the credit bureaus. 

I was informed that if the debtor fails to properly notify me of the repossession, the debtor is no longer liable for the debt. They failed to properly notify me at the correct address giving me the opportunity to retrieve my items, ruined my credit score and prevented me from obtaining credit offers and a mortgage because the negative impacts of the credit bureau reporting. 

I would like to seek a full payment history of each payment maid from XXXX to date of repossession that includes, the date of payment and the amount paid. Also, requesting the 1099C to claim it on my tax return. Lastly, requesting the monthly unpaid balance reporting back to XXXX be removed from my credit report and the full {$7200.00} removed from the credit bureau reporting. I do not give my permission to the credit bureaus to report this because it is not an accurate representation of this debt. I have filed a complaint with the credit bureaus and they closed the complaint with barely an explanation to my original complaint.
Consumer complaint received 2019-08-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Not enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested an investigation be conducted by the credit bureaus of an alleged debt owed by me. Account # XXXX in the amount of {$810.00}. A proper investigation according to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) requires verification through the PHYSICAL verification of an original signed consumer contract and not an Electronic or XXXX  verification under which a lot of investigations are being conducted. This software has limitations when it comes to conducting a proper investigation of records. To which I have recieved verified as accurate without recieving the documentation that I have requested which I am entitled to by law.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (NJ)

hey, I'm complaining because sometime last year somebody has stole my information, my identity. They try opening credit cards under my name. I reported all my cards I closed on my cards and I paid off my credit card that I had that I had open. I'm getting hard inquiries on my credit report that and I want them removed.

[ 15 U.S.C. 1681 et seq
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (TX)

Security freeze, from SageStream , LLC No response from initial letter, certified-delivered ... XX/XX/2021, ( with proof of identity ) follow up request via computer ... ... ... ... ... ... ... ... ... ... ... XX/XX/2021 Unable to contact company, other than TWICE submitting via telephone request security freeze ... XX/XX/2021 simply need security freeze, and Confirmation of such.
Consumer complaint received 2018-11-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CA)

Weve had numerous issues with USBank on this loan modification. 

Most recently, USBank has refused to take additional income into consideration, even though both sources of additional income live in the home and contribute financially on a monthly basis. 

We have sent them this documentation on XX/XX/18 and XX/XX/18. On XX/XX/18 USBank denied the loan modification request. They claimed they had taken all provided income into account in the loan modification review THIS IS A LIE USBank did not take ANY additional income into consideration for this loan mod review. The net proceeds of XXXX and his wife is {$4400.00}. US Bank LIED to us on a recorded line, said that the wifes income was included but that they only made {$3100.00} ( see attached pay stubs. ) We were also dissuaded from filing an appeal with the person calling us telling us that only one appeal or complaint could be filed on a loan EVER. Once again. This is a BOLD FACED LIE and the true mark of an organization that has targeted minorities for foreclosure. We believe that the reason for telling us not to file an appeal was so that there would be no record in the file should this file be audited in the future. 

US Banks track record on this file is less than stellar. This file was started as a loan mod and someone at US Bank didnt think that a XXXX borrower was worthy enough to complete a loan mod review on the file and decided to move it into short sale on their own. Once moved back to loan mod there has been one delay after another. 

Now, we expect US Bank to deny everything on this. It is what you do. But for an added bonus we will also be submitting this complaint to Californias Attorney General. I really am sick and tired of every file we have with your company ends with US Bank attempting to commit a servicing violation or outright fraud. 

I want the loan modification to be reviewed with ALL of the income that was sent to USBank.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

XX/XX/23 deposit check for {$2500.00}. Account restricted and hold placed. Fraud contacts employer, verified check, restrictions lifted, hold remaining. XX/XX/23 branch manager verified check AGAIN and removed hold. Confrontation with employer leading to termination, co worker called and reported fraud after already verifying check multiple times. Account restriction again, branch manager fixes, fraud continues to do it, I was told to file a police report, account still restricted no access and no resolution. EVERY representative had an entirely different response
Consumer complaint received 2022-07-07
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. (NY)

I had once reported this issue involving Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted to all credit bureaus. Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) .These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). 


Credit bureaus ' response but never about what they should follow per the FCRA : XXXX. You may contact the company that reports the information to us and dispute it directly with them. If you would like written proof about your accounts l ( such as the original agreement ), please contact your creditors directly. 
XXXX. You may contact the Consumer Financial Protection Bureau or your State Attorney General 's office about your issue or complaint against XXXX or l the company reporting the information.