davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MD)

I am the co-signer on a loan for my son who attended the University of XXXX XXXX XXXX. The loan was with XXXX XXXX who then transferred it to Navient. My son went into the military after not completing his senior year. He served in the XXXX XXXX. He was not able to make payments on his loan though he was provided with deferments which increased a loan balance of less then {$20000.00} to {$38000.00} as of XXXX of 2016. When Navient 's loan collectors were not successful in contacting him they contacted me and threatened collection action which would result in garnishment of my wages. I paid them {$3000.00} and {$100.00} a month for three years hoping my son would get to a point of being able to manage his loan. He did not. Then after the three years expired in I believe XXXX of 2016 the payment plan with the debt collector stopped and Navient 's new debt collector started demanding new terms. I asked about a settlement of the loan. They agreed and in XXXX 2016 I paid {$14000.00} to settle the student debt. However neither Navient nor the debt collector XXXX has sent me correspondence saying the debt is settled. I also have a negative report from Navient on my credit report.This has prevented me from being able to make a loan for my daughter with the Department of Education.
Consumer complaint received 2020-05-05
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. (TX)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not good.I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
Consumer complaint received 2017-08-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

I was toward the end of my loan modification process and have been paying a new payment since XX/XX/XXXX. When I called to make my XX/XX/XXXX payment, Wells Fargo said that they were waiting for one last piece of the puzzle from me to approve the loan modification. They said they needed a power of attorney paperwork for my father ( XXXX XXXX XXXX XXXX ), who is a co-signer to my mortgage, which had been sent out out. During the conversation to make the payment, I told them that I 'm going to be selling my condo. When I said that, they said that the loan modification is now null and void and my condo is back on foreclosure status.
I requested a payoff quote of my mortgage. When I received the payoff and I looked at the figures, it said I owed XXXX on a condo I paid for XXXX back in may if XX/XX/XXXX.
I was about 11-12 months behind on my mortgage when the loan modification process started. My loan balance was XXXX as of XX/XX/XXXX. As part of the loan modification, HUD took out XXXX to lower my principle loan balance to XXXX thus making my monthly payment lower. When I was looking over loan payoff, they added in that XXXX twice, thus making my loan payoff XXXX. I 've been making faithful payments the first of each month since XX/XX/XXXXand that money is no where to be seen in my payoff. I called them on Friday and not much help at all I almost had a heart attack when I saw these figures I want to emphasize that the reason I fell behind in my mortgage is because I had a bad slip and fallXX/XX/XXXX and have been on XXXX ever since, and have had multiple surgeries I have sent you screen shots of the original loan modification numbers and the payoff numbers
Consumer complaint received 2023-03-04
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: ProCollect, Inc. (NC)

I requested ProCollect to validate an account that they have been furnishing on my XXXX and XXXX consumer report. ProCollect failed to do so and instead sent statements which is not validation of an account. After requesting validation from ProCollect and not receiving it. ProCollect then turned around and furnished the information on my XXXX consumer report. According to 15 USC 1692a, Congressional findings or Declaration of Purpose, ProCollect is hereby informed that as a result of there fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially.

ProCollect and its agents harassed me for an alleged debt that was not even validated. ProCollect shared statements as well as a copy of my Consumer Contract as evidence of the debt but as per the judgement in the case of Pacific Concrete F.C.U. V Kaunanoe copy of the Consumer Contract is not sufficient evidence of debt. 
Due to Continuous acts of deceit, coercion, and intimidation, I was forced to take an uniformed decision and move into a shelter
Consumer complaint received 2020-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

I used my Citi debit card for a deposit of {$400.00} for a XXXX XXXX reservation. The cruise was canceled in XXXX when it was supposed to be leaving for XXXX XX/XX/XXXX. My name is not on reservation and the primary booked via travel agency, and neither primary nor agent provided any documentation to me since I made the deposit XX/XX/XXXX. I attempted to get confirmation several times from the primary and they have not honored my request since asking, claiming XXXX XXXX  has not provided them anything either. I asked the primary guest to refund the {$400.00} on XX/XX/XXXX due to COVID-19. She claimed XXXX XXXX would not provide a refund. I then attempted to contact XXXX XXXX, but they would not speak to me since they said my name was not on reservation. I waited to see if the primary would refund, but she was unresponsive and all she told me is that the cruise was cancelled In XXXX which is when I contacted Citibank to dispute. Citibank rejected the dispute due to lack of documentation ( which I explained as above ). I resubmitted the claim for them to re-open and they did start an investigation, provided me the provisional credit, but eventually rejected the claim once again. I again tried contacting travel agent on XX/XX/XXXX and all they provided is the reservation number as XXXX and promised additional documentation in order for me to provide for Citibank to re-open. The travel agent didnt provide any other documentation however, and I have attempted to dispute with Citibank once again. They responded requesting I fill out yet another form ( attached ) and return via post, which I mailed to them on XX/XX/XXXX, but they have not responded to it. I have attempted to address with Citibank via customer service, us postal service, and XXXX. I contacted customer service and asked for a supervisor who said I would need to refile a fourth claim since Im the one who made the purchase and there is nothing more they can do. When I request the customer service supervisor who else I can speak to and if he would at least connect me to their disputes department, he claimed they can not connect me because the dispute department will not answer and I would have to resubmit a claim. I have tried emailing XXXX several times with no acknowledgement, response, nor results.
Consumer complaint received 2020-07-21
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. (TX)

address 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 XXXX XXXX XXXX accounts that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-17
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: EQUIFAX, INC. (IN)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020 and XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XX/XX/XXXX, XX/XX/XXXX or Equifax to resolve anything. Data has also been released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. All 3 bureaus ;XX/XX/XXXX, XX/XX/XXXXand Equifax, must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2020-05-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: M&T BANK CORPORATION (NJ)

I applied for a COVID 19 forebearance in XX/XX/XXXX due to losing my job because of Covid 19 and today I received a Debt collection letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX stating that my car loan payment wasnt received for XXXX and they are reporting this information to the credit bureau agencies. I received an email shortly after my application for forbearance that my request to not pay for 3 months was accepted but they are now still reporting this lack of payment to the credit bureau. I received the delinquency letter from them dated XX/XX/XXXX and When I just called them they said they called me and I didnt answer the phone so they are not accepting my forebearance request. This bank is not following federal guidelines due to the Covid 19 crisis mandates. Please contact XXXX XXXX XXXX XXXX to ask them why they are not abiding by Federal rules.
Consumer complaint received 2020-07-21
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: SYNCHRONY FINANCIAL (FL)

SYNCB/PAYPAL - Banks and s & ls - Inquiry Reported to XXXX   XX/XX/XXXX - 2019 contact information PO BOX XXXX XXXX, MD XXXX ( XXXX ) XXXX I don't not recognize it as I don't own any account under SYNCB/PAYPAL. This is a mistake on the report as I havent given permission to any bank or lender screener company to pull out a report and needs to be corrected and removed.
Consumer complaint received 2020-07-21
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)

account/names/all not mine filed FTC report : office of the atty gen XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX XXXX XXXX XXXX address are not mine : XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2017-08-07
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. (GA)

According to the new law effective XX/XX/XXXX, 2017 public records/tax liens must contain minimum identifying information and be collected at more frequent intervals. A minimum report of Name, Address, and SSN must be included in the Public Record. The tax lien being reported on my credit report does not meet these minimum requirements and should be deleted from my credit report.
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TN)

I have a Citi credit card which has been open for several years without any issues. In XX/XX/2022, I took out what they call a Flex Loan of {$5000.00} on the card. It has a set interest rate of 7.99 % and a term of 60 months. There is a minimum monthly payment of {$100.00} required on top of any monthly payment required for regular purchases on the card. 
The information the company shares on their app, website, and monthly statements says that any payment made above the minimum monthly payments will be applied to the higher interest rate first. Regular purchases on the card currently have a rate of 27.49 %. 
I usually pay off my credit card balances around every two weeks when I receive my paycheck. I never carry a balance month to month. I've been doing this the past few months as usual, but on XXXX XXXX, I was charged {$4.00} as interest for standard purchases. I assumed I had made a mistake and not paid everything off like I normally do. So I paid extra that month to make sure I would only be charged interest on the Flex Loan moving forward. However, on XXXX XXXX, I was charged {$7.00} as interest on standard purchases. 
I then reviewed the last several monthly statements and found that there is now a balance of {$350.00} accruing interest on standard purchases. I also found that the balance on the Flex Loan is lower than it should be at this point of the loan term. 
I called Citi 's customer service line on XXXX XXXX and was informed that I should not attempt to pay off the balance on regular purchases. I was told that payments would always be applied to the Flex Loan instead, even if the purchases I was attempting to pay off were already posted to the account. The only way to pay off regular purchases is, when setting up an automatic payment, to select the option " Adjusted New Balance + Flex Plan Monthly Payment. '' I was told that the only way to resolve this situation is to now pay {$470.00} to pay off the regular purchases as well as the Flex Plan payment for XXXX. 
I'm unable to find anywhere on the company 's app, website, or monthly statements that informs their customers that making a payment on a credit card 's balance will not in fact pay off that balance if a Flex Loan has been extended to the account. Because of this, I now have a balance of almost {$500.00} accruing interest at 27.49 % while I made payments to a loan accruing interest at 7.99 % without my knowledge. The company has made no offer to remedy this situation.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their refusal to honor my opt-out request dated XX/XX/XXXX, pursuant to 15 USC 6802. 

On XX/XX/2024, I submitted a written request to XXXX XXXX XXXX to opt-out of information sharing practices as allowed under 15 USC 6802. Despite my explicit request and the legal obligation under the aforementioned statute, XXXX XXXX XXXX has failed to honor my request. Despite multiple attempts to rectify the situation through direct communication with XXXX 's customer service representatives, the issue remains unresolved. 

XXXX XXXX XXXX ' failure to honor my opt-out request is not only a violation of my privacy rights but also a breach of federal law. I have made every effort to resolve this matter directly with XXXX, but their unwillingness to comply with federal regulations necessitates the intervention of the Consumer Financial Protection Bureau. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate actions to ensure XXXX XXXX XXXX complies with federal law and honors my opt-out request in accordance with 15 USC 6802. 

Please find enclosed copies of relevant correspondence and documentation supporting my complaint. 

Thank you for your attention to this matter.
Consumer complaint received 2020-07-21
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. (TX)

account/names/all not mine filed FTC report : office of the atty gen XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX XXXX XXXX XXXXXXXX address are not mine : XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

In late XXXX, I cancelled our mobile phone service with XXXX XXXX. We paid our final bill to zero. We began using XXXX XXXX XXXX in XXXX of XXXX. 

XXXX XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX USA XXXX XXXX XXXX XXXX  A couple months later, I received a bill from XXXX attempting to charge us for an early termination fee. $ XXXX I called XXXX and told them our contract had expired many, many years ago. They attempted to tell me that I signed a new contract later. Knowing I had not done so, I asked them to send me a copy of the signed contract. They did not. I have repeartedly requested proof that they confirm I signed a second contract with them. 

We were clients of XXXX in XXXX. We closed our account XX/XX/XXXX. We transferred our service to XXXX XXXX XXXX in XX/XX/XXXX. XXXX chased us for this false debt for 3 years. In XXXX they turned the account over to collections agency, XXXX XXXX. 

XXXX refuses to supply proof of their allegation and simply keep reaffirming the false re-age date, XX/XX/XXXX that coincides with when they turned the account over to XXXX XXXX XXXX. 

Since then, they continue to tack on late charges and report the account as defaulted in the amount of {$280.00}. 

There are two issues. 
> We never owed this false charge because we never signed another contract ( which they refuse to supply proof of ). 
> They are reporting this late charge with the fake re-age date of XX/XX/XXXX.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Consumer complaint received 2017-08-07
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: EQUIFAX, INC. (GA)

According to the new law effective XX/XX/XXXX, 2017 public records/tax liens must contain minimum identifying information and be collected at more frequent intervals. A minimum report of Name, Address, and SSN must be included in the Public Record. The tax lien being reported on my credit report does not meet these minimum requirements and should be deleted from my credit report.
Consumer complaint received 2017-08-07
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (FL)

I was vulnerable during the housing crisis, Ocwen Loan Servicing LLC deceptively put me into a Shared Appreciation Mortgage that entitles them to 25 % of my property. This I feel was unfair and illegal. In addition to this I had a business partner who decided he did n't want to continue with his share of the property. I supplied Ocwen with a notoriety stamped Quick Claim Deed, and individually qualified for this scam Mortgage. Now five years later I 'm being held captive into this agreement. I 've recently asked why my former business partner name was staring to appear on certain documents they claim the he is still responsible for thus debt. How can he be held responsible when I individually qualified for this scam of a mortgage. I recently called and spoke with someone in XXXX and they sent me a letter asking for nearly {$800.00} to remove his name. I 've met the criteria already when I modified my loan. This type of stuff should n't be happening and the fact they wo n't let me out this Mortgage is scandalous.
Consumer complaint received 2016-03-14
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

This is my second time filing a complaint. I file a Chapter XXXX in XXXX 2010. In XXXX of 2010 I also had a loan modification. 
Any money that was due was worked in the loan modification. 
XXXX stated that I am two months behind when I filed the Chapter XXXX Which was true. I had just lost my job. At the time my payment was XXXX. 
So in my chapter XXXX they stating that I owe XXXX. Which I do n't owe that. 
So why in the chapter XXXX my loan was change to XXXX different company. 
Which is SPS. We have contract SPS a number of times to get a payment history. 
We just got the payment history a month before the discharge My lawyer are trying to get the case discharge but is not able to because SPS keeping putting off the case. Thius Chapter XXXX was suppose to be discharge in XX/XX/XXXX.