davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

On XX/XX/2020 I received an email from my student loan servicer, Navient, titled " Coronavirus Update ''. It directed me to a COVID19 Information page on Navient 's website which stated that, " as part of the new Federal legislation passed on Friday, XX/XX/2020, we have suspended payments and interest accrual on all U.S. Department of Education owned loans until XX/XX/2020. Navient has sent notification in writing to all eligible borrowers. You can always check your loan status by logging into your account. '' Today, XX/XX/2020, I logged into my account to check the status of my loans. They are still in repayment and accruing interest. 
In fact, on XX/XX/2020, they sent me an email, reminding me to make my XXXX loan payment, which I did.
Consumer complaint received 2020-04-30
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX {$2300.00}
Consumer complaint received 2021-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (VT)

I contacted the company to confirm that the account was closed. After about 1-2 weeks the account was still being posted as open on my credit report. I contacted XXXX  in order to open a dispute. My account was updated with information that the account was closed at my request, but still remains on my credit report as open. This is the case for all 3 credit bureaus. Though it is not shown on the letter, the Customer Service representative mentioned that according to their records the account was closed in XX/XX/2020.
Consumer complaint received 2021-02-28
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. (MS)

on XXXX XXXX XXXX  sent a dispute letter to Experian and I have yet to hear from them saying if they even received the letter. It will be 30 days on Tuesday. According to the fair credit reporting act a bureau has 30 days to investigate a dispute letter. I demand that this company does their job!
Consumer complaint received 2018-02-23
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: CITIBANK, N.A. (WA)

I called Citi XXXX on XX/XX/XXXX well before my payment was due XX/XX/XXXX and spoke with two different employees. I asked for some consideration since I have been a good customer of two months of deferral of payment since I do not have the resources. I am self employed and was sick for two months in the last 4 months with both XXXX and XXXX twice. Insurance companies who owe me fee 's of XXXX have thrown me behind. they said XXXX does not do that I would have to close my account and would be charged the same amounts each month that I would owe now. 
I said I do not have this money and it can not be taken out of my account and as soon as I knew what amount I could pay I would get back to them. 
On XX/XX/XXXX they automatically withdrew XXXX two months of fees from my account leaving me without a paycheck to pay my mortgage for the first time in two months and to pay my lease for my office and food for myself? 
I can not make this up and it is now plummetting me further into a crises.
Consumer complaint received 2021-02-28
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. (MS)

on XX/XX/2021sent a dispute letter to Trans Union. I have yet to hear from them saying if they even received the letter. It will be 30 days on Tuesday. According to the fair credit reporting act a bureau has 30 days to investigate a dispute letter. I demand that this company does their job!
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have numerous accounts showing that I have late payments that have fallen under XXXX XXXX all in and around XX/XX/XXXX through when the name change to XXXX XX/XX/XXXX. I have never had a late payment as the loans have been in a deferment. I have continued to dispute these errors on my credit reports and at one point even had a credit repair agency dispute these errors and yet these continue to remain on my report. I don't know what I need to do to have these items removed. XXXX XXXX is listed 9 times 1. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX opened XX/XX/XXXX, {$1000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3. XXXX XXXX opened XX/XX/XXXX, {$3000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. XXXX XXXX opened XX/XX/XXXX, {$4500.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 6. XXXX XXXX   opened XX/XX/XXXX, {$2000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 7. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. XXXX XXXX opened XX/XX/XXXX - {$6600.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 9. XXXX XXXX opened XX/XX/XXXX, $ XXXX- wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX, {$5800.00} - wrong All my loans were consolidated in XX/XX/XXXX and were placed in deferment due to numerous surgeries and unemployment. All these had been documented and yet this company placed these accounts erroneously right before they switched names to XXXX and all of a sudden there are no late payments. This company should not have been allowed to ruin people 's credit based on their illegal practices. I need these to be taken off.
Consumer complaint received 2021-02-28
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. (MS)

on XX/XX/2021 sent a dispute letter to Equifax and I have yet to hear from them saying if they even received the letter. It will be 30 days on Tuesday. According to the fair credit reporting act a bureau has 30 days to investigate a dispute letter. I demand that this company does their job!
Consumer complaint received 2021-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (CA)

I sent out a check on the first of XXXX which was the due date of XXXX payment. And it was not received yet. So when it did not cleared yet I made a payment over the phone thinking that the check got lost in the mail. The next day both the mailed in check and the phoned in payment got deducted from my XXXX XXXX account, which put my account in the negative by a lot. I called M & T bank to tell them the problem and they refunded my phoned in payment. Then they informed me that the check # XXXX was rejected on the XXXX or XXXX. Which was not true according to my bank. So XXXX payment never was credited to my mortgage. Which left me behind. And I am still behind. Can't catch up to the payments due do the lack of work. And can not refinance or defer because they reported to the 3 credit company 's of the late payments, Which my credit score is bad now. Hope you can help.
Consumer complaint received 2021-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I haven't had an account with XXXX XXXX XXXX for close to 10 years. This collection has to be an error. I never had a four-digit access code which is what XXXX. XXXX requires I input XXXX when I try to call them to tell them this isn't my account that they gave to ERC to collect on. ERC says they can't talk to me about the debt because XXXX recalled it. So no one will help me get this invalid collection removed from my credit reports.
Consumer complaint received 2021-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (FL)

In XX/XX/2021 ( approximately ), I received a letter from a company that I thought was XXXX They were offering a better monthly rate, and I was and still am with XXXX for many years, now. I accepted the offer for the better rate. 

The company then sent me a letter, and a sim card to install in my phone. I began to get suspicous, and read the letter and the fine print. This company was purporting to be XXXX but in fact they were a competitor. I don't recall the name. 

Then I started receiving bills in the mail from the above company, whom we will call " X ''. Now I am receiving phone calls every day, several times a day, from a collector who is representing company X. The collection company is Frontline Asset Strategies, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, telephone XXXX, website : www.frontlineas.com and payment site : www.payfrontline.com. 

I don't owe them anything, as this stems from a company posing as XXXX. My XXXX bill has always been paid every month, and is auto pay, and is current, as always. 

XXXX
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NC)

I have two accounts that both have wrong credit card balances : Wells Fargo Bank credit card and XXXX XXXX XXXX. The XXXX XXXX balance is {$0.00} since XX/XX/XXXX. I will show proof that I requested a statement. The WF card balance shows {$1000.00} on the Wells Fargo website. The actual balance is {$1000.00}. I will show proof of payments from my bill pay ( from XXXX XXXX XXXX ). Please assist.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CA)

Ive been discussing and providing the required documentation from Chime in order to verify my account and my external account thats linked to it. I provide my bank statement, the picture of my debit card, front and back the picture of my ID unexpired drivers license, front and back and the second form of ID, which is my Social Security number signed front and back, I am also submitting my bank statements for the last two months to the account because it is a new account and I only have two months of bank statements which I already discussed with Chime as well and I keep on getting the runaround that my account is still on hold and they keep on requiring or requesting the same documentation that I already submitted. I call Chime and I discussed the situation with them and I asked him what more do they need these I sent the documentation with the representative on the phone and they say that its submitted to whatever department is that it needs to be submitted to that. I get an email requesting the same documentation for a home and a half. I really need help getting my money back from this account my money is also on hold with this account and I dont understand why they are making me wait a month a whole month and a half to get the money thats in my account I do not want to close my Chime account and I dont find a reason why I need to close my chime account. If I have not broken any policies, I havent broken any rules against chime and my account is in great standing with chime. Ive been a great customer always paid back any money that they lend me. I am a great customer to Chime and I dont understand why Im going to this situation.
Consumer complaint received 2020-04-30
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$360.00} COLLECTIONS XXXX {$150.00}
Consumer complaint received 2021-02-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I had a home loan thru XXXX XXXX XXXX while in a chapter XXXX bankruptcy, during the bankruptcy my house burned down and the insurance paid the home loan off in full. A couple months later after that loan was paid off my attorney converted my bankruptcy to a chapter XXXX. XXXX XXXX XXXX was not involved in this at all as they were paid in full and were no longer part of the chapter XXXX. They showed up on my credit report as " discharged thru bankruptcy '' which is of course hurting my credit. I have filed a dispute with Experian twice and both time XXXX XXXX XXXX have come back saying that the information is correct. They were paid off in XX/XX/XXXX and they are showing the discharge of debt as XX/XX/XXXX. Report Number : XXXX Date Generated : XX/XX/XXXX. 
XXXX XXXX XXXX Account Name XXXX Account Number Mortgage Account Type Joint with XXXX XXXX Responsibility XX/XX/XXXX Date Opened Discharged through Bankruptcy Chapter XX/XX/XXXX/Never late. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$30000.00} Original Balance {$0.00} Highest Balance 10 Years Terms XX/XX/XXXX On Record Until - Balance Updated - I can not get them to correct this mistake, can you please help?
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Due to a temporary situation financially of having to care for and pay for my mother ( XXXX XXXX ) funeral and burial out of my own pocket and alone which caused me to have some late payments earlier in my loan. I have worked diligently to keep them up and consistently on time. I have never absconded and have been tirelessly in communication about the account. The agency ( XXXX ) agreed thru a goodwill gesture to update my account and I was told they would rid any late payments statuses to all 3 reporting agencies and late payments would state ( zero ) or none. This is extremely important now because I had a background check performed and this was revealed to my employer. It could jepordize my future employment and other current situations by this reporting. This damage would be irrepairable and permanent. My plan is to pay this account in full by XX/XX/2020 and have put things in place to do so.
Consumer complaint received 2015-06-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: M.A.R.S., Inc. (AZ)

Mars has placed XXXX collections on my credit profile that are un merited. I do not owe any money to Mars or XXXX. These charges were already investigated and proven to be fraudulent. I requested from XXXX a validation of the debt and they were un able to provide the requested information.
Consumer complaint received 2020-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (OH)

I am trying to link my PNC bank checking account to my broker account in the XXXX app for stock trading. I get an error that says pnc has made changes that make it not possible to link my accounts together through their easy linking partner called " plaid ''. There is no other way for me to link my account through XXXX and pnc needs to allow me to link my account.
Consumer complaint received 2018-05-31
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. (CA)

I have been going back and forth we Equifax since XX/XX/XXXX XXXX we are now in XXXX which there is an awkward stuff on my credit report not to mention I did not make my profile my profile was made through the person who made which I left me and a very bad position I am now trying to correct
Consumer complaint received 2020-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Consumer complaint received 2020-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MN)

I have a mortgage through PHH Mortgage company. I confirmed with a PHH representative that all of an excess monthly mortgage payment will automatically be applied to the principal balance. For several months, my excess payments were being applied to my principal balance. However, on XX/XX/2020, I sent a payment of {$7000.00} to PHH. As my monthly payment is {$1700.00}, {$5200.00} should have automatically been applied to my principal balance. Without my express permission, instead of applying the full amount to my principal balance, PHH deducted {$1700.00} as an " advanced '' XXXX payment. I called PHH and explained the issue and stated unequivocally that I wanted ALL excess mortgage payments to be applied to my principal, and not to any advanced monthly payment. On XXXX XXXX I made a {$7000.00} mortgage payment. Despite my previously stated instructions, PHH once again failed to apply the excess amount to my principal. As before, they deducted {$1700.00} as an " advanced '' XXXX payment. Given that practice has only begun as I am approaching mortgage pay off, I believe PHH is deliberately refusing to apply my excess mortgage payment to principal in order to increase the life of the loan to increase their interest profits.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX XXXX, 2017 I contacted Transunion and spoken to Supervisors XXXX to dispute credit inquires that was not authorized by me. I was advised that on XXXX can be removed. On XXXX XXXX, 2017 I mailed a dispute letter to have inquires removed. I received a letter back stating the inquires would remain on my report for 2 years.
Consumer complaint received 2020-04-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (AZ)

Re : Complaint of Breach of Contract XXXX XXXX v. Ally Auto Dear CFPB Please allow this letter to serve as complaint of breach of contract and continued discrimination by Ally Auto. In XX/XX/XXXX XXXX XXXX and Ally Auto entered into a contract for payment. 

The contract is the result of a conflict that emerged in XX/XX/XXXX where Ally Auto admits they misspoke concerning an alleged amount owed by XXXX XXXX on a XXXX XXXX XXXX automobile. 

Ally Auto partially corrected the billing history problem but failed to fully correct the issue and take responsibility for the financial damages it caused during months of disputes, confusion and the early reporting of negative information to XXXX XXXX credit file which they eventually removed. 


In attempts to avoid litigation in XX/XX/XXXX Mr. XXXX and Ally Auto Senior Manager XXXX agreed to a financial contract. 

The contract stipulates Mr. XXXX 's Ally Auto account will be brought current provided a payment was made at the time of agreement. 

The initial requested payment was made as agreed. 

The contract agreement also stipulates delinquent payment history for the month of XXXX and XXXX will be removed as owed amounts would be placed on the back end of the loan provided Mr. XXXX is not delinquent going forward. 

Phone transcripts records will reflect Ally Auto representative XXXX repeatedly confirmed the derogatory payment information would be removed from credit bureaus as part of the agreement. 

Ally Auto removed the derogatory payment history from Mr. XXXX 's credit files. 
Ally Auto without explanation replaced the derogatory information causing damages again to Mr. XXXX 's credit rating. 


Please note Mr. XXXX is current with no late payment since the execution of the contract with Ally Auto in XX/XX/XXXX. 


In an attempt to resolve this matter Mr. XXXX disputed the information with the credit bureaus and Ally Auto did not agree to remove it. This is a discriminatory breach of contract and predatory as Ally Auto purposely is damaging Mr. XXXX 's credit in hopes of preventing refinance options elsewhere. 


On XX/XX/XXXX Mr. XXXX spoke with an Ally Auto representative going by the name XXXX who stated Mr. XXXX was not eligible for a copy of the contract although the Sen. Manager XXXX never mailed Mr. XXXX a copy of the original contract as agreed. Mr. XXXX has kept accurate well documented transcripts of all calls and conversations for transparency and integrity. 


The Confirmation number of the contract in question is XXXX.