davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

I have a {$160000.00} student loan with Navient and Sallie Mae since XXXX. Over several years, I have tried to lower my payments but they have always been calculated over {$500.00} a month rising to over {$800.00} a month based on my household income. ( See email dates XX/XX/XXXX. I was unemployed for several years and there was absolutely no way I could pay these amounts and was advised to either request a deferment or a forebearance rather than Navient offering or accepting a more reasonable payment amount of around {$250.00} a month. As I watched my student loans skyrocket, I decided to work for a non-profit/public service company in XXXX as a way to qualify for the Loan Forgiveness Program. 

Over the years, as I called every 9 months or so to ask for help but was pointed in the direction of extending my forbearance. ( 5-10 ) I was never advised about the Loan Forgiveness Program or offered a more reasonable monthly payment based on my family household income. It wasn't until XXXX when a representative advised me to file separate income taxes in order to qualify for a lower month payment bracket which by the way, has caused additional tax issues. Where I find myself now is settling on working in a low paying job although I took out my student loan to obtain an XXXX. My hope is that my student loans will be forgiven in 4-5 more years. 

More concerning now is that my non-profit I work for does not provide health benefits and with my husband retiring next year, we will be forced to find a healthcare program that may be extremely expensive or I must find another non-profit that offers health benefits. What I am also concerned about is that after all of this sacrificing, my non-profit/public service work may not qualify. When I began consolidating my loans in XXXX and looking at what jobs qualify for the Loan Forgiveness Program, I discovered that my employers career was not listed although I work with foster children.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of and delete these immediately : DPT EXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-04-10
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. (CA)

Hi please help, I sent several letters to the bureaus and haven't received a response yet. I'll got my credit report and seen incorrectly and unknown items on my credit report. It's been over 2 months since I first sent out my first letters. I feel like am being ignored of my disputes. With this taking so long with no response I demand these items be deleted immediately or I will file for litigation is due to the stress you caused me. Please assist me with this
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (SC)

XXXX XXXX filed a complaint and a proposed stipulated judgment in federal district court for the Southern District of Indiana alleging that XXXX provided substantial assistance to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in engaging in unfair acts and practices. XXXX operated XXXX XXXX XXXX until it filed for bankruptcy and ceased operations in XXXX. XXXX  XXXX complaint alleges that XXXX  was actively involved in the creation and the implementation of the XXXX loan program. The complaint alleges that XXXX induced its students to take out the loans by a variety of means, and that XXXX knew or was reckless in not knowing that many student borrowers did not understand the terms and conditions of the XXXX  loans and could not afford them. 

On Saturday, XX/XX/XXXX, it was announced that student loan cancellation benefits will be offered to XXXX former XXXX XXXX XXXX, with up to {$160.00} XXXX dollars in debt being forgiven. 

This agreement was reached as part of a deal between the Consumer Financial Protection Bureau ( CFPB ), State Attorney Generals from 43 different states, and Student CU Connect ( CUSO ), the company who distributed and managed private student loans for XXXX XXXX.
Consumer complaint received 2023-04-01
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (AL)

Talked to Medical Data Systemns around XX/XX/XXXX. Asked them if I pay off acct. could they delete medical collection from my credit reports? Oh yes she said. The credit bureaus will have deletion letter by XX/XX/XXXX. I call all XXXX credit bureaus around XX/XX/XXXX no they have received anything. I called XXXX well I sent it the supervisor XXXX says. Call XXXX  again 3 more times no they have not received anything.Finally filed a dispute against them they reported back to bureaas account was not paid. It showed a XXXX balance for a couple of days but then reaapeared.And it showed the total amount. that I started out with {$7300.00}. I attached a copy of bank statement proving it was paid on XX/XX/XXXX. I paid payments on acct. for all of XXXX up until XX/XX/XXXX {$200.00} a month. Balance started out at {$7300.00} and got it paid down to {$4700.00} when it was paid off. I want this removed from my credit reports immediately exactly like they promised. Why are they fooling around with people 's lives like this? I am trying to get a mortgage and this is the only thing holding me back. I am going to get in touch with XXXX XXXX XXXX the originial vendor. We will see what they have to say. I so desperately need help. They are just making me go around and around like they are playing a game, Please help me?
Consumer complaint received 2021-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (FL)

I had never paid attention to my credit report since I am living overseas. A couple of years ago, I received a collection letter to and old address used in the US and filled and issue with the FBI on a possible Identity Fraud Alert case number XXXX. I have recently notices I have two negative reports on these accounts XXXX  XXXX ACCT # XXXX BarclaysBK ACCT # XXXX Neither of these two accouts was opened or authorized to open by me. I suspect someone who worked for my sonsa and had access to the mail coud heve impersonated me and use my name to obtain these accounts.
Consumer complaint received 2021-05-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

Our refinance opened on XX/XX/2021. We were told that we locked in a rate of XXXX. We submitted all requested documents. We began to receive circular requests from Cardinal Financial via XXXX with " new to-dos. '' The same questions continued to be asked, to which we responded, but new to-dos continued to be issued. For example, I do not have a W-2 as a self-employed individual, but I continued to be asked for my W-2 despite telling Cardinal Financial I do not receive a W-2.

We grew concerned as several months passed. Each time we checked in, a new to-do would be issued with more questions. It was like quicksand.

In the meantime, the company sent an appraiser who billed us directly for {$1000.00}.

I wonder if Cardinal had any intention of actually closing this loan, and wonder if they have an arrangement with their appraiser to generate fees and bill unsuspecting applicants. We were misled by Cardinal, and they now tell us that it is our fault for not turning in documents in a timely manner ( which is false ). We are now at the end of May, nearly four months after we opened this refinance, and we have no closing in sight. Meanwhile, we have missed out on the low rates that we could have gotten had we used a different company, costing us hundreds of dollars per month, and {$140000.00} over the life of the loan.
Consumer complaint received 2017-11-27
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: JPMORGAN CHASE & CO. (NC)

i purchased a piece of software called XXXX that claimed to allow me to reset my forgotten password to my home computer. it was scam software. I tried to dispute the charge to my chase cc rep. they asked for my phone number so they could send a security code they claimed they were having difficulties sending the text and would call me back. did not happen.i called back they hung up. I called back they did the same security code thing again. asked how is sending a security code text to a number I provide prove who I am. I asked to accept my dispute claim. they refused
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NJ)

I currently was helping my daughter, who lost her job to the Pandemic, pay her car loan ( I had co-signed ) I have a Discover card, they lowered my credit limit due to the car loan. We had been late a few times but have caught up and now only have 5 payments left I am in the closing part if a refinance when Discover Card lowered my credit limit even though Ive never missed a payment to them Even through the pandemic How do I get my credit fixed due to Discover card They are the only card causing a problem
Consumer complaint received 2020-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (IA)

There was not an option specifically tailored to my needs. 
I had a {$100.00} balance with a utility provided after I ended services with them. 
It was missed and on XX/XX/XXXX I received an alert from XXXX. I pay all my bills on the XXXX of each month, and included it to be addressed and paid in full on XX/XX/XXXX. 
I.C Systems reported the same collection 5 times to my credit, resulting an a credit score decrease of 24 points. All the while I am in the process of increasing a business credit line. 24 points is detrimental to a business owner, and reporting the same collection 5 times in one month should not be allowed, and should not effect someone's credit score that dramatically.
Consumer complaint received 2018-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (NY)

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX , XXXX XXXX XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2021-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PORTFOLIO RECOV ASS Contact XXXX XXXX XXXX XXXX, VAXXXX  HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$450.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Conduent Incorporated (OK)

Ive filed several complaints with This organization and Conduent. To no avail, Im brushed off and the problem is slightly overlooked. Im still showing pending transactions/holds on my card ; being double charged for items beginning in XX/XX/2020. Ive contacted the vendors that see the problem but they say I need to speak with the bank to fix the problem ; conduent/Way2Go sees nothing.
Consumer complaint received 2020-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

For 10 months I mailed dispute letters to XXXX, XXXX, and TransUnion regarding the correction of several inaccuracies on the following accounts XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX  Pursuant to 15 U.S. Code 1692g, letters requesting the validation of debt were mailed on XX/XX/2020 directly to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  In accordance to 15 U.S. Code 1692g XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  were to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. As of today, the credit reporting agencies XXXX XXXX, XXXX, and TransUnion ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.
Consumer complaint received 2017-12-13
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. (WA)

Today I call to Trans Union Represents to ask to remove inquiry which I never Authorized to these Company .I start seeing after there system crash I ask them to remove it please but he could n't help me to remove it .Please help me to remove this error in my credit file. He give me this file Number XXXX.Thank you
Consumer complaint received 2015-09-02
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BROKER SOLUTIONS, INC. (CA)

It started in XX/XX/XXXX when we were having problems making our house payment with New American Funding. Both my husband and I had lost our jobs and were living off Unemployment and XXXX. I contacted New American Funding right away and explained our situation. They recommended a Special Forbearance Agreement, the terms of this agreement are attached. Our payment went from {$1400.00} to {$2100.00}. They told me that it would not affect our credit if we followed the agreement which we did. It has ruined our credit and reflects the original amount owed and does not reflect any payments made. What we really wanted was a loan modification but they said we did not qualify. In XX/XX/XXXX, I was let go of my teaching job therefore it was difficult to make our payments. I contacted New American Funding to explain our situation and they recommended applying for a loan modification. We submitted all the paperwork and it took XXXX months for them to deny us any loan modification. They have lied to us and do not seem to be helping us even though there are many loan modifications that we would qualify for.
Consumer complaint received 2021-08-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (FL)

Like so many other Americans I was adversely effected by the COVID pandemic. I was making the payments I could and my loan is now due for XX/XX/XXXX when I could no longer keep up the payments. In XXXX of XXXX I sent in documents for a loan modification. My denial letter stated that while I was denied the modification I did qualify for a short sale, deed in lieu or deferral. I accepted the deferral and signed and returned the agreement. On XX/XX/XXXX I spoke to XXXX XXXX who said she was a supervisor and was told I did not qualify for the deferment and to send in a modification package to get reviewed for a deferral. I was told to submit an email request to XXXX. A response was sent via an encrypted email that could not be opened and all requests for a copy to be mailed or emailed were ignored. We then sent another request XX/XX/XXXX which was also ignored. A follow up email requesting status of the first email was sent on XX/XX/XXXX and also never answered. I was served foreclosure papers on XX/XX/XXXX without the deferral or research request being completed. I have attached the agreement sent to me and my signed and returned copy. My father is in XXXX  and this pandemic has been awful. I would like my mortgage deferred as I agreed to. Thank you.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

On XXXX, 2020 I sent a dispute to Experian about XXXX item on my credit report, on XX/XX/XXXX, 2020 they reply back saying " This item was removed from your credit report ''. However, a couple months later they reinsert a previously deleted item without notify me.
Consumer complaint received 2021-08-20
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)

On XXXX I went to the bank to apply for a loan to expand my business and I was made aware that I had accounts that were not in good conditions for any lending loans. I do not have any beneficial interest in these accounts nor did I sign my signature for them, Please remove them immediately from my credit files ''.
Consumer complaint received 2021-04-10
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. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-11-30
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. (ID)

XXXX XXXX should not be reporting to Experian a collection/chargeoff in the amount of {$120.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I paid {$120.00} directly to the clinic. I have attached a copy of the bank transaction showing this account was paid on XXXX. This account needs to report a {$0.00} balance and not be reporting as a collection/chargeoff. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureau to fix this however, I have not been successful.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.
Consumer complaint received 2021-10-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (AZ)

Around XX/XX/2021 There was a debt added to my credit report in the amount of {$1900.00} from Diversified ADJ SVC, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. 

I sent my Identity Theft Report to them on XX/XX/2021 because I did not recognize the alleged debt. I received back a letter from XXXX Fraud Management stating that they have completed an investigation and have denied my notarized Identity Theft Affidavits, forms, and identification that was sent to Diversified ADJ SVC originally. 

On XX/XX/2021, I responded to XXXX Fraud Management challenging the accuracy of this record and asked for them to send me proof that this account was opened under my SSN and not an EIN. I asked them in writing that if they could not produce said documentation that they remove this item from my credit report immediately. 

On XX/XX/2021, I received the same letter back from XXXX stating they denied my claim. 

This debt was not established by me under my social security number. XXXX is choosing not to submit to me the required documents that are related to this alleged debt.