davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-16
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: National Credit Systems,Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2019-03-18
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. (CO)

i have tried to have the Bankruptcy removed from my credit report because I'm trying to rent an apartment and I'm getting turned down because of the Bankruptcy on my report. I have complied with my legal requirements. I'm a single mother of 2 children and I have finally graduated college and I have a great job now. Since I have relocated to XXXX from XXXX XXXX it is very hard to rent a place of residence with a Bankruptcy on your credit. They have a system to expunge Felons so they can get out and get a job so why I cant seem to get this Bankruptcy remove from my credit. I have satisfied my Legal obligation. PLEASE help me!!! 

thanks, XXXX XXXX
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (GA)

A fraudulent account was established by ! st. XXXX personnel agents. A charge of {$1500.00} on a fraudulent account was fraudulently reported as my account. Never was such account when on my account I closed I only had a {$300.00} limit. This was an XXXX account that I NEVER had. This report is hurting my progress in escalating XXXX XXXX  and from such XXXX profiling my credit score has gone from XXXX to XXXX am a XXXX XXXX XXXX XXXX XXXX and this scandalous act is unwarranted. I request an internal investigation and compensation that has clearly erupted my XXXX ... Thank you.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/XXXX I, XXXX XXXX ( XXXX XXXX ), applied for a credit card at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ). Surprisingly, my application was denied at the store. 
In XXXX weeks I received a letter from Synchrony bank, describing that the reason for the denial was an unsatisfactory payment history with Synchrony bank. The decision was made without any credit reports, which is stated in the letter. And I have a pretty high credit score of XXXX and my credit usage is 3 %. 
On XX/XX/XXXX I called Synchrony bank at ( XXXX ) XXXX and talked with account manager # XXXX. First, I was denied even to explain to me the reason for credit card denial ( I asked for transactions which they treat as unsatisfactory because I am very careful with my payments ). After that, the representative looked through my history with their bank since XXXX ( when the card was opened ) and informed me that she can not find anything negative, except that only XXXX small autopayment was bounced in XXXX, which I paid right away after it bounced. That is all for the XXXX years. 
Alter that, Synchrony bank account manager XXXX told me that it is their privilege to decide if they want to proceed with my application or decide to deny it. She also explained that they do not use Credit reports while making decisions. 
As a XXXX immigrant, who works really hard and has a good credit history, I find Synchrony bank 's decision discriminatory and XXXX. Unsatisfactory payment history is a lie to cover unfair treatment. The federal Equal Credit Opportunity Act prohibits creditors from discrimination against applicants.
Consumer complaint received 2021-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (IN)

On or about the 1st day of XXXX, XXXX, I began the process of " Payment is Pending Manual Review '' with Fed Loan serving regarding payments made during XXXX when I was under a different payment plan. I paid over the Standard Repayment plan and should be eligible for the TEPSLF expanded program. Now, over a year later, it is still showing under I have called several times in the last year to check the status of this manual review. I also completed a FOIA to the Federal Student Loan Government site and received record of those payments. I attempted to provide that information to My Fed Loans to expedite the process, and they did not want that information. Now, My Fed Loans is ending their contract with the government and PSLF program. If these payments are accepted, I will be finished with PSLF or the TEPSLF program sometime in the Summer XXXX. I am VERY concerned that with the new servicer, I will be unable to get a status check on this, and I will just have to continue making payments when I should be completed. 

Please help!
Consumer complaint received 2020-01-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

XXXX continues to furnish derogatory information on credit report. According to FCRA [ 15 U.S.C. 1681b ] company is out of compliance.
Consumer complaint received 2019-03-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: DFC Global Corp. (FL)

I have the all the details you will need I just am just busy today and did not have time to gather them. I had a payday loan for {$500.00} that I received over a year ago when the hurricane hit us here in Florida and I couldn't pay my bills I started struggling and eventually took a payday loan. I cleared that loan but was always chasing my tail, XXXX XXXX XXXX XXXX in Florida constantly called me 24 hours after I repaid my load and would ask " Just seeing if you needed some money this pay period ''? So I would be broke and hop on it, they made it sound so safe and never explained any consequences to me. Well I chased that loan every 2 weeks for a year paying on time and handing thousands of dollars in fees to this company. I was a GREAT customer. Well now my father is in the hospital with failing XXXX, I am trying to take care of his home and mine and they call me up to 20 times a day, they constantly re-process the loan and I ger more NSF fee 's. Then they call and text you until your scared and approve more deposit attempts just in a hope that a few extra bucks will come my way and clear this up. I wish I would have just gotten evicted instead of this loan but the thought of runing a perfect rent history scared me and they knew it, that's why they called so much to offer help they knew what I needed the money for. I want the phone calls to stop and the fee 's, how am I supposed to get ahead and why cant they work out a payment plan with me? This should be illegal to do these loans I feels o stupid at XXXX to end up in this spot. My bank account is screwed, im struggling now more than I was before the loan. Never again will I do one and I hope companies like this need to start a MUCH stricter loan process and not allow these people to call and offer loans as soon as the mandated law that says no loans until 24 hours of repayment is done they call you and offer you money to " help you out this week '' as they put it which tells me they know that you need the money after the first loan to deal with just paying off the last loan, that part should 100 % be criminal. No one should be able to solicit a loan after a payday loan 24 hours after its been repaid, thats set up for failure, it should be 1 loan a month max. This is a nightmare, but what was I supposed to do I needed a home for me and my daughter and the hurricane was a ripple effect of chasing my tail due to loosing all that work, I was off for 2 weeks with no pay, alot of us were.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have several complaints to express, and I want to emphasize that I have been a victim of a crime, yet no one seems to care. Once again, I am urging for the removal of the fraudulent entries from my credit report, which were opened without my authorization. Some items have been removed, but there are still numerous remaining on my credit report. Below, you will find a list of the items that need to be removed : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Social Finance, Inc. (MN)

I ( XXXX XXXX ) signed up for a personal loan with SoFi via a referral link from my husband, XXXX XXXX on XX/XX/21. The loan was funded and eventually paid off. However, SoFi has denied the promotional referral bonus of {$300.00} each to both of us. They state that because I had previously referred him for a personal loan and we both received a referral bonus for that loan, that we are disqualified from the additional referral bonus. I reach out to SoFi repeatedly over the past several months and they eventually decided to deny the bonus. They quoted their referral link terms which state : " You will not receive multiple referral bonuses for the same friend taking out multiple loans or products, nor will your friend receive multiple welcome bonuses for taking out multiple loans or products. '' However, that is not the scenario under which I am requesting the referral bonus. Neither of us has taken out multiple loans. He took out one personal loan in the past, and I took out one personal loan, hence those terms which were used to justify denying the referral are not applicable to our situation. Hence, we should both qualify for the {$300.00} bonus ( for me as a referee and him as a referrer ).
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (NY)

I am XXXX XXXX this objection is not thru in fault neither is it being made by a third party. I state under penalty of perjury I am claiming that a person or company- without my approval- from unlawful use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was effective in making some accounts. I have no understanding of this and all is being inspected by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written approval to report anything on my consumer reportsno consent is fraud. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}
Consumer complaint received 2021-12-01
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. (MS)

XXXX is reporting the date of last activity as XX/XX/XXXX Experian is reporting XX/XX/XXXX and XXXX XX/XX/XXXX, It is a violation to re-age a collection account and This account was paid and the creditor agreed to remove it from my credit report. 

XXXXXXXX XXXX XXXX XXXX running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NY)

Proof of a XX/XX/XXXX {$250.00} charge by XXXX XXXX, written documentation that the charge was made is urgently needed. 

Synchrony Bank advised that there was/is NO WAY that can provide any documentation. I requested that generate a pdf. of the charge and they said they could not and would not provide a pdf. or text or email me this written proof. 

I was XXXX because I can not show proof of this payment to XXXX. 

I need this documentation now to prove my innocence and to have this arrest record expunged. 

I used my one call from prison detention to Synchrony Bank sand they refused to help even when zzz I asked for this to be escalated to their legal representative. 

The last 4 digits of my SS # are XXXX ; my home address is XXXXXXXX XXXX  XXXX XXXX, XXXX, NY XXXX : the last 4 digits of my Synchrony XXXX  credit card are XXXX ; the card is valid through XX/XX/2024. 

I appreciate your help and the swift response from Synchrony Bsnk.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I have been disputing incorrect names and addresses with Equifax for over the past year and they are still reporting this erroneous information still. I have asked them to remove all names and address that's not associated with me and they have not.
Consumer complaint received 2021-09-16
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. (GA)

I disputed a collections account ( XXXXXXXX XXXX XXXX  ) with Transunion on or about XX/XX/21. I called them on XX/XX/21 to check the status of the dispute and they stated it was still in process. I called them on XX/XX/21 and they now state the dispute was never made.
Consumer complaint received 2020-07-24
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: Experian Information Solutions Inc. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2024-09-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC. (TN)

I believe that Navient has used unfair business practices when servicing my loan. The loan was taken out XX/XX/year> for {$16000.00} through Sallie Mae and was transferred to Navient that added all interest owed to the principal. They stated that I was disqualified from the original interest rate reduction I had received under Sallie Mae, and my loan is currently in repay at 10 % interest ( variable ). The Unpaid principal on the loan is {$14000.00} even though the payments I have made when added up, cover the original amount borrowed. They have my total interest accrued on the loan to be {$16000.00} with a payoff date of XXXX/XXXX/XXXX. When I took out this loan it was supposed to be paid off in ten years. I have requested that my co-signer be released several times, in writing and submitting the required paperwork, but each time it is denied. I have met the requirements of XXXX consecutive payments, and they have no right to deny my cosigner being released. Navient changes terms on a whim with no recourse for the borrower.
Consumer complaint received 2021-12-01
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. (MS)

TransUnion is reporting the date of last activity as XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX XX/XX/XXXX, It is a violation to re-age a collection account and This account was paid and the creditor agreed to remove it from my credit report. 

XXXX XXXX XXXX XXXX running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-12-01
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)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (PA)

Reached my XXXX required payments for Public Service Loan Forgiveness as of XX/XX/21. Qualifying payment count confirmed by company on XX/XX/21. Contacted Fedloan Servicing for info on when to expect my loans to be forgiven processed and removed from my credit on XX/XX/21. Was advised by agent will review account and put packet together to send to the " government ''. I will be entering a 6 month review. I asked where in writing the 6 month rule was and she couldn't provide this information. 6 months is an excessive amount of time to forgive loans already taken 13 years by mismanagement by the companies handling PSLF. I wish for my forgiveness to be approved and expedited within 60 days.
Consumer complaint received 2021-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (FL)

On the second week of XX/XX/2021, I wired $ XXXX to Binance.com, a crypto trading company. I found them prominently advertised on XXXX. Upon setting up the account, I saw that all my funds successfully reached my new Binance account. Binance is a division of XXXX XXXX. 

I decided not to trade and withdraw. My account gets locked and I had to reset my password each day until I could no longer do it. Customer service via email was totally useless and I have no access to my funds Help!!
Consumer complaint received 2018-02-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (OK)

On XX/XX/XXXX, I received an annual escrow account disclosure statement dated XX/XX/XXXX from Lakeview Loan Servicing , LLC. This statement reflected a {$1900.00} shortfall in the escrow account associated with my mortgage, & the mortgage payment was set to increase 27 % from {$660.00} to {$830.00} on XX/XX/XXXX. Property taxes are only {$370.00} per year, & XXXX property hazard insurance was {$2000.00}. {$250.00} of each mortgage payment was being deposited into escrow throughout XXXX, which should have easily covered these amounts for the year. However, after calling Lakeview Loan Servicing 's customer support line ( XXXX ) 3 different times on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, & being placed on hold for over 45 minutes each & every time, Agent #  XXXX ( XXXX ) finally admitted that escrow funds had been misapplied between my escrow account & someone else 's account in early XXXX. After the loan company " fixed '' their mistake, somehow my escrow account is now nearly {$2000.00} short. They now need to make up the difference over the course of 12 months by raising my overall mortgage payment to a level that is completely beyond my current budget, as my wife has recently become employed again after a long period of unemployment. Although XXXX clearly admitted on a recorded line that the escrow mistake was made on their ( Lakeview Loan Servicing ) end of things, I am still left with them expecting payments exceeding {$800.00} per month beginning XX/XX/XXXX. If I could fire this mortgage company, I would. Apparently raising my mortgage payment by nearly {$200.00} is the only option available to me, even though the mistake was on their end & I have done nothing wrong. I have been offered no other options or detailed explanation, or even an apology for getting my escrow account so out of sorts to begin with. Unfortunately, my plan of action at this point is to pay my normally budgeted mortgage payment of {$660.00} in XXXX, because it is all that I can do. I am sure that the late fees will start piling up, & if it goes on like that long enough, I will end up losing my house over a " fixed '' mistake that this horrible loan company made with my escrow account. This has ultimately turned my American dream of home ownership into a real nightmare, & if there is any way for other homeowners to avoid this company, PLEASE DO SO!
Consumer complaint received 2021-02-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

currently I'm paying off a HELOC loan with SLS and my mother is trying to refinance and I was told that I needed to pay the past due in order to get a subordination in place so I paid the {$570.00} that was past due and I called to verify the that the funds would be distributed to the past due. Well this was in XXXX and they refuse to do this and my mother may lose the loan. I've called 10 times and have sent over 6 messages and this the funds are being applied to various things like additional payment to principal, unapplied funds identified, single payment, payment principal, payment reversal, mortgage payment but not to where I've asked it to be applied. Why? I call and they transfer me all over the place and keep me on old, playing games.