davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

Honestly, my experience with Navient has been a horrific nightmare since they took over from Sallie Mae. They have allocated funds to my 4 loans with them so one loan is paid off out over a year, and my other loan was charged off and they sued my dad ( who is a cosigner, and threatened to garnish his wages- he ended up taking out part of his retirement to pay his portion off to get off of that loan, but they are still coming after me ). No matter how many times I call, I get a different answer from these people. I graduated in XX/XX/2006, these loans should have been paid off by now, but the insanity of this situation is out of control. I feel like a slave to them. My online account doesn't show apples to oranges and their fraudulent practices make me sick! My credit is ruined, my father 's credit is ruined and I don't even know what recourse I have. How is one loan paid over a year and another loan in default? How am I paying them {$200.00} a month, and they get to chose how it's spent, and then I am left in the dark with ruined credit? I am absolutely disgusted and I want to know what my options are at this point.
Consumer complaint received 2022-02-22
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)

In XX/XX/2022, I disputed items on my consumer credit report that were furnished without my written consent. I did not give expressed written consent to Experian to authorize these items to furnished on my report pursuant to 15 USC 1681b ( a ) ( 2 ). A FTC identity theft report has also been filed and sent to Experian for using my information to furnish items on my report without my consent. Experian temporarily deleted the XXXX XXXX XXXX  XXXX XXXX accounts from my report. However, the other items have not been blocked from my report in accordance with 15 USC 1681c-2 ( a ). I have sent XXXX notices to Experian since the beginning of XX/XX/2022 with the attempt to settle this matter and get these items removed from my report. However, I have not received adequate response about the investigation or proof of written consent.
Consumer complaint received 2018-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp (OH)

So after I graduated, XXXX XXXX sent me to " XXXX XXXX XXXX  '' who signed me up with a fraudulent company called " Equitable Acceptance '' who do consolidations for XXXX XXXX at no cost to them but charged ( unbeknownst to me and my father ) me over {$1000.00} to do consolidation paperwork. we were told nothing other than we had to pay a {$50.00} consolidation fee. We were not told that we would owe them over a grand just to do paperwork. It is so sad that the federal government that is supposed to have its citizens backs supports the likes of this scam company. I was very proud to be the first member of my family to graduate college and now it is one of my biggest regrets as i am over {$100000.00} in debt and have no end in sight of paying that off. My future children will not fall into the trap that is the American education system. Our government has let me and my family down on this one and i am deeply disappointed and bitter about this. PLEASE PLEASE PLEASE do NOT let anyone turn your loans over to either XXXX XXXX XXXX  or Equitable Acceptance as they are both nothing more than scams.
Consumer complaint received 2018-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX, a charge of {$200.00} was deducted from my checking account from XXXX that I did not authorize. On XX/XX/XXXX once I was notified electronically, I contacted my bank, Santander, and advised them about the unauthorized charge on my account and to dispute the charge. I also contacted XXXX to file a complaint and to dispute the charge. The next day, I received an email from XXXX that my checking account was refunded the {$200.00}, and the charge was made for a XXXX purchase. I thought the case was resolved, then on XX/XX/XXXX, I received a letter from Santander advising me they agree with the merchant and my checking account will be charged the {$200.00} for the XXXX purchase. I tried to call Sandtander 's card claims contact center twice and was on hold for over 10 minutes. I decided to email their contact center to request a call. I do not agree with their decision and no determination documents were attached.
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AK)

In XX/XX/XXXX, I sent certified letters ( that were signed for ) to all three credit reporting companies stating that information on my reports was incorrect. I didn't hear back at all from two of the agencies, and Experian only seemed to update some inconsequential/irrelevant information on my report that I had not requested to be revised. My complaint to the companies was based upon a student loan for {$1400.00} that I received from XXXX XXXX XXXX in XX/XX/XXXX. The account first went delinquent in XX/XX/XXXX and was then sold to XXXX/XXXX XXXX  on XX/XX/XXXX. This collection agency informed me that I absolutely had to sign up for its rehabilitation program, which required a down-payment of approximately {$150.00}, plus monthly payments of {$50.00} ; I was repeatedly told that paying the account in full would substantially hurt my credit, but that signing up for the rehabilitation program would actually earn me good credit. I paid this agency through the program for approximately one year before the account went delinquent in XX/XX/XXXX ( see attachments ). The loan was then sold multiple times over the next few years, with substantial ( considering the amount of the original loan ) fees tacked on. Throughout that time period, I made inconsistently made numerous payments, but I struggled due to the fact that my loan had been sold so many times, and because I had to have new credit cards issued on three occasions due to fraud or lost cards ( because these " rehabilitation programs '' required that I sign up for an auto-pay with a credit card number, yet that number changed repeatedly, payments were declined on multiple occasions. The loan finally ended up with the US Department of Education in XX/XX/XXXX, in the amount of {$2800.00}. 

This shows up as an adverse account on my credit report because the loan was sold multiple times. Per 605 - 15 U.S.C. 1681c ( a ), no consumer reporting agency may make any consumer report containing accounts placed for collection which antedate the report by more than seven years. I have only ever received the single student loan in my life. Because all of the student loan accounts on my current and former credit reports originate from the same XX/XX/XXXXstudent loan account through XXXX XXXX XXXX, and because that loan first went delinquent ( and was originally reported negatively in XX/XX/XXXX, which is obviously outside of XXXX years from today 's date ), these adverse accounts listed on my credit reports should, in my opinion, be removed.
Consumer complaint received 2017-11-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (PA)

Last XX/XX/XXXX I filed a complaint Case # XXXX against the XXXX XXXX XXXX with Comenity Bank and we resolved it and the account was closed. There has been no correspondence, no billing statements ( I had switched to paper statements etc in late XX/XX/XXXX ) nothing from this company in almost 9 months so I assumed this matter was resolved until this morning. When I received an email stating that my statement was available for viewing. So I decided to check into it further and come to find out the account apparently has either been reopened or was never fully closed even though I have emails stating that it was closed. For some reason on XX/XX/XXXX a credit was applied to my account in the amount of {$22.00} which now apparently gives me a line of credit of {$170.00} of which I did not ask for nor did I apply for since I closed the account last XX/XX/XXXX. It also says I received a refund check, I never did since I was n't due a refund I never paid for services I did not order nor did it EVER total the amount they say they sent a refund check for.
Consumer complaint received 2022-02-22
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. (CA)

XXXX XXXX XXXX XXXX check, AC # XXXX, XXXX, Amount {$220.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$4500.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$550.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$16000.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$730.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$120.00} This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$650.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$870.00} This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount $ XXXXThis account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible.
Consumer complaint received 2018-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (TX)

Fay Servicing added {$7100.00} to my mortgage balance on XX/XX/XXXX. " Misapplication reversal ''. I was not aware of this previously because Fay refused to send me any statements, balances or communication of any kind. I only got this following breakdown after the sale of my house and a separate complaint to CFPB on XX/XX/XXXX.
Consumer complaint received 2018-06-06
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. (MO)

I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : XXXX, Experian, and XXXX, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Consumer complaint received 2015-10-31
Product: Prepaid card — ID prepaid card
Issue: Adding money — 
Company: Empowerment Ventures, LLC (NY)

I went to XXXX and loaded my prepaid card with cash {$250.00} and usually the funds are loaded on your account right away after transaction is completed..But when I checked my account my money was not there..I called the card company and they can not give me any answer where my funds are..They keep telling me they see no transactions of the load to my card..I am very disappointed in the services of the bank..They keep telling me it 's a glitch in the system..But do not ask for proof of transactions to help me in any way..Please help me resolve my issues..
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

My Information was sold and bought illegally because I was a victim of the XXXX Data Breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted I was in fact a victim of this Data Breach and XXXX has done nothing. 
Please Help me delete these illegal accounts from my credit reports. 
I appreciate it. Thank You
Consumer complaint received 2022-11-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP (NV)

A law firm agreed to a settlement amount. 
They are now saying they will not honor that amount. 
Reason. I had previously made an agreement for an amount greater than the amount provided in a letter I received that looked like junk mail. 
I subsequently called the law firm back and stated that I will pay the amount that the letter stated. The service rep agreed and collected monies. All 5 bureaus were to be updated and reported as paid. Today they stated they would honor the original agreed amount with the first rep and that the rep who agreed to the letter amount was wrong and apologized. Could not talk to a manager.
Consumer complaint received 2021-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (FL)

I contacted XXXX collection several months ago because of COVID 19 I was not able to make my payment. The collector advised me that it would not be a problem to extend my payment one month. Unfortunately he never extended the account causing it to report to my credit 30 days late.
Consumer complaint received 2020-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

Since it acquired my mortgage for servicing, Select Portfolio Servicing has continuously and consistently provided mis-information to the point where I am unwilling to speak with them but feel it is a necessity in order for me to work on correcting my delinquent mortgage amount and putting payments back on track I lost my job after an illness and when I applied to the mortgage company, XXXX, I was given no option except short sale and then the mortgage was transferred by XXXX to Select Portfolio Servicing. I've attached the latest letter to them trying to get the appropriate assistance in place for my hardship. I previously filed a CFPB Complaint # XXXX which this should replace as there is more detail and a better flavor of the frustration and unprofessional behavior that is being dished out by SPS.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Despite my persistent attempts, I have not made any headway in disputing these issues. Enclosed is a copy of the letter I previously forwarded to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize that I take this matter very seriously. Should you choose not to address my original request, which was sent via certified mail, I will not hesitate to lodge a complaint with the Federal Trade Commission against your company. I urge you to conduct a thorough reevaluation of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will result in my insistence on the immediate removal of these items from my report.
Consumer complaint received 2022-12-14
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 ( Original Creditor : XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$870.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2020-01-27
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. (TX)

Last summer, several charges appeared on my Chase United Explorer card. I did not make those charges, so I reported the issue to Chase as fraud. The bank initially credited the amounts, but later reversed its position and stated that charges are legitimate. In the meantime, however, I received new cards because transactions were fraud. These are the transactions ( account No. ending in XXXX ) : XX/XX/19, XXXX - {$24.00} XX/XX/19, XXXX - XXXX XX/XX/19, XXXX - {$1.00} XX/XX/19, XXXX - {$1.00} and {$38.00} The total credit should have been {$100.00}. It seems, however, that some of the reported ( illegal ) charges were credited - just not the above ones. This does not make sense. ( It is possible that some of this was credited, but I am not able to verify the items. There is a letter, though, that definitely, the {$24.00} charge was not credited. )
Consumer complaint received 2016-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

My mortgage company Green Tree Servicing LLC changed into Ditech Financial and I have been charged false " late fees '' even when paying before the date specified. My statement say " a {$27.00} late fee will be charged if paid after the XXXX of the month ''. I paid by XX/XX/XXXX last month and did have real late fee that I also paid in FULL and my statement for XX/XX/XXXX says I owe $ XXXX+ in late fees!!!! FOR WHAT?!?!?! It is robbery and makes no sense. They also just went up on our payments for escrow and I 've been reading alot of complaints about this company. I feel as if I am being played with, stolen from and I can not afford this! They should be out of business!
Consumer complaint received 2016-07-04
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Debt Recovery Solutions, LLC (TX)

XXXX XXXX is the orginal creditor for this acccount. THIS Is THE XXXX Debt Debt Collection Agency that has reported this information on my report. They have stated this account was opened XX/XX/2016, which is incorrect. According to XXXX you can not place this on my report when the statue of limitations have passed, by reinsert.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please update the following information Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, New Jersey XXXX Employer : XXXX XXXX XXXX Phone number : XXXX Please remove another other names, addresses, phone numbers, and employers Thank you!
Consumer complaint received 2021-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

I am currently in the process of completing the PSLF program, in order to have my loans forgiven following 120 payments while working in the XXXX XXXX. In XXXX, I joined the XXXX XXXX XXXX. In the Spring of XXXX, while still working full time in the XXXX XXXX, I began taking graduate courses at the University of XXXX. I specifically instructed my loan servicer at the time to continue accepting payments from me despite any documents they receive regarding my going to school, as I was also working full time in public service. Despite my instructions, my servicer placed my loans in deferral from XX/XX/XXXX through XX/XX/XXXX. Each month this took place, I resubmitted a request that my loans never be placed in deferment. Yet they continued to disregard my instructions. My loans have since been moved to different servicers over the years and with each, I inquired how to have this error on their part be fixed. My loans are currently with Fedloan Servicing and I have asked them multiple times what can be done and they refuse to fix the error. I was entitled to make qualifying payments during this period and my servicer disregarded my instruction multiple times not to place my loans in deferment. 

I would like to respectfully request I have the opportunity to make whatever payments are necessary to reflect my public service in the XXXX XXXX XXXX during those four months in XXXX and XXXX.