davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-11
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

Hello. I am concerned about the recent allegations against Navient and would like my student loans to be verified. My monthly payments are increasing and Navient has not been very accommodating with a repayment plan. Unfortunately, with the income base repayment plan, Navient does not take into consideration other financial responsibilities of the borrower. I have explained and provided evidence that I am the only employed adult in my household with the responsibility of paying all household bills and daycare for my XXXX children. My husband is unemployed. I can not afford a monthly payment of over {$1000.00} a month in student loans alone. In the case that they can not be verified I would like to request that the loans be removed from my credit. Thank you.
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (MA)

On XX/XX/2017, I called Citibank and informed them that I no longer want to be contacted with credit card offers. I was told that it would take 30 calendar days for the request to be completed. In late XXXX and On XX/XX/2017 I received credit card offers from Citibank. On XX/XX/2017 I again called Citibank and informed them to stop mailing me. I also informed them that I was filing a complaint with CFPB.
Consumer complaint received 2017-06-04
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: Experian Information Solutions Inc. (TX)

I spoke with a representative on XXXX XXXX 2017 because I have n't got a response back from them spoke with a representative by the name of XXXX. Regarding a dispute I sent in XX/XX/XXXX which the representative confirmed that they got my letter. The letter that was sent was disputing three collections by the name of XXXX XXXX XXXX and six XXXX accounts reporting late payments that I stated that the collections were unverified and the XXXX accounts were showing inaccurate late payments under the fair credit report act section 609. The representative mentioned that the agent that received my letter in XX/XX/XXXX failed to properly process my paperwork and that 's why the XXXX accounts have n't been processed to XXXX. She also mentioned that the collections were previously disputed XX/XX/XXXX and that the collection company replied that they would stay and that 's why they were still on my credit report. At this point its been over 30 days with no response from Experian and no correction or investigation in to my letters.
Consumer complaint received 2021-02-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

PORTFOLIO RECOVERY add a collection on my credit reports. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service. 
Since you are still reporting this account on my credit report, you are now in violation of the FCPDA.I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit.
Consumer complaint received 2024-01-26
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: Experian Information Solutions Inc. (PR)

There is some inaccurate or False information on the XXXX XXXX with the account number XXXX that is reporting on my credit report. 

First, this is a closed account, but this account is not reporting the date this account was closed. 
Second, the Balance ( {$20000.00} ) is bigger than the High balance ( {$10000.00} ) This is because there was a fraudulent charge made on this account. 
Third, The Payment History does not report a 30,60,90,120 days late before this account was Charge off by the account provider. 

This situation is affecting all my financial life.
Consumer complaint received 2022-09-07
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (FL)

PHH reverse mortgage. My father died-XXXX Called PHH XX/XX/22 to find out what I needed to do ( selling property to pay reverse ). Uploaded documents on XX/XX/22 ( will, death certificate, letter of intent, questionnaire ) XXXX called to upload court executrix paperwork and they claim never received the XX/XX/22 documents XX/XX/22 Re uploaded ALL documents and executrix. XX/XX/22 received email for XXXX payout. 
XXXXunder contract Law office called for payout and wire instructions-was told there were no documents uploaded so they would not give payout quote. Faxed all documents again on XX/XX/22. Called XX/XX/22 was told nothing received could fax/email documents directly to payout department with request for payout quote. Faxed and emailed all documents again on XX/XX/22 to payout department. XXXXdocuments received but not uploaded would take 3-5 business days-will ask for expedited-call back tomorrow. XXXXcalled-no documents uploaded so cant give payoff quote-they are sending request to legal dept to look over documents before they can be uploaded and quote generated. This blatant delay tactic may cause the selling of the house to not go through. I need some help and for someone to look into the practices of PHH mortgage.
Consumer complaint received 2021-10-04
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. (IL)

This is my last resort, I have been going back and forth with creditors and bureaus. Still the same results, I have send in updated police reports and FTC report, with all my updated IDs still same results verify please help they are stopping me from living my life with my XXXX kids and husband. Not able to purchase first home because they are giving me so many problems. Negative accounts are only on Experian and XXXX they were all deleted from XXXX in 2016 when my identity was stolen. Creditors has received reports and all I dont know what yo do at this point.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This account was paid off in full on XX/XX/2019. The company did not apply a payment made in XXXX to my account. I provided a bank statement showing the payment was successfully withdrawn from my account. The supervisor, XXXX, told me it was good to go and it would take approximately 1 week to clear out of the system. It has now been 20 days and they are still reporting it incorrectly and showing I still have a balance. I have reached out to them via email and have gotten no response. They are very difficult to reach via phone. They reported to the credit bureaus on XX/XX/2019 & XX/XX/2019 still stating the full amount due. Please help me get this resolved and reported correctly.
Consumer complaint received 2017-06-01
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. (NY)

After repeated requests not to do this because my U.S.P.S. mail is not secure, Equifax, sent me a credit file :  XXXX   XXXX ,  2017  ; Confirmation :  XXXX  with ALL my private information fully exposed : name, social security, date of birth and home address. I complained about this issue but Equifax seemed to care less, therefore, I am forced to complain to CFPB to make sure it never happens again. This is a very serious issue when every major financial institution know otherwise including   XXXX   and  XXXX , Equifax does the exact opposite. This kind of reckless behavior is why financial c rimes against U.S. consumers are on the uptick.
Consumer complaint received 2017-06-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (CA)

I tried 7 ti  mes to obtain a loan modification for my Citimortgage loan and was declined time and again until the last attempt. When I read the " fine print '' buried in the agreement I discovered that there was no actual relief granted to me. All the bank did was defer a portion of my balance so that I would have a nearly {$250000.00} balloon payment in 15 years.
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I 've enclosed a copy of the letter I recently sent to Citibank by certified mail demanding a recasting of the terms of my mortgage because of the mistreatment I received during my countless efforts to get mortgage relief. My letter was ignored by Citibank.
Consumer complaint received 2017-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (IL)

After receiving an enticing credit card offer of " {$150.00} cash back bonus after {$500.00} of purchases within 3 months of opening credit card '', I applied for the Chase Freedom Unlimited credit card in XX/XX/XXXX and became a credit card holder on XX/XX/XXXX. <P/>I only applied for the credit card in order to receive the {$150.00} cash back bonus that was advertised on the offer I received in the mail. I used the offer letter and reference number to apply online as the letter described to do. <P/>Once accepted, I received my card and made over {$500.00} in purchases within the first 3 months of becoming a cardholder. The offer stated that after making the {$500.00} in purchases within 3 months, that I could expect to receive my {$150.00} cash back bonus within 6-8 weeks, in the form of bonus points. <P/>I called today because I qualified for the {$150.00} offer on XX/XX/XXXX ( which is 90 days after becoming a cardholder ) and the letter states to expect the reward within 6-8 weeks of qualifying, which would have meant I should have received the bonus by XX/XX/XXXX, at the latest. <P/>When I called today, I spoke to someone and explained everything and then I was told that " they do not see a bonus offered to me '' anymore. I was furious and asked to speak to a manager. I was transferred to account supervisor, XXXX from XXXX XXXX, TX ( Reference : XX/XX/XXXX ). She was so unhelpful and not empathetic or understanding, at all. She had no intention to truly hear me out or make Chase 's  wrongdoings right. She just kept telling me the same thing ... that she " does n't see the offer anymore and that it has been 90 days so she ca n't help me at all and no one else can ''. <P/>I just felt so taken advantage of and scammed. I did everything by the book from the moment I received the letter in the mail. I went online and researched and saw the offer was true according to Chase website, so I applied using the offer letter sent to me. Then, I spent over {$500.00} within 3 months, and finally, I waited 6-8 weeks to receive my bonus. But, ultimately, I never was given what I rightfully earned and what was physically presented and offered to me. I even asked XXXX, " what could I have done differently to received what was offered to me ''. She did n't even have an answer because I followed all the fine print word for word. <P/>I am very upset and feel helpless. I was hoping that speaking to a Chase supervisor would help but it ended up being more disheartening to hear a supervisor tell me " there 's nothing I or anyone else can do '' to correct this. I wanted to cry, really ... <P/>Can you please help me? The supervisor even told me that they have records of the original offer letter sent to me. I just do n't understand how they can do this .... <P/>Thank you for reading and for any help with this situation.
Consumer complaint received 2017-07-25
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kimball, Tirey & St. John LLP (CA)

Kimball tirey & st. john LLP, Had initially sent a wage garnishment to my employer, they garnished it and the amount on the wage garnishment was paid off. They are now trying to collect initial interest they claim is owed because they mistakenly left that out. My initial wage garnishment was paid and I was told that is all I needed once it was done I would receive the release and they would reflect it on my credit report. This has not happened and they are now trying collect more. My payroll department thinks that this is wrong and is concerned that they are collecting fraudulently. On top of that the I 've spoken to several people there that have falsely stated that they are attorney 's and when I 've researched them they are not. I am questioning their practices as is my employer. As my employer has had several wage garnishments from them for other employees and they have done the same thing to the other employee 's.
Consumer complaint received 2017-07-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (CA)

My contract wi th   XXXX   XXXX   XXXX    had expired in  XXXX     2016. After my contra ct expired I was billed {$71.00} I asked the  XXXX   XXXX   XXXX  representative was I going to be charged and she stated NO. I 'm not responsible for this debt when my contract has already expired.
Consumer complaint received 2017-07-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Seterus, Inc. (MD)

I do n't know if you can help or not. The person who called me said his/her name was  XXXX   XXXX  phone #  XXXX  claiming to be from the " mortgage lending department '' with my mortgage company,  Seterus. I w as told my loan modification was approved under the Obama program and in order to get the materials to me, I had to pay them the escrow acct deficit of approx {$1300.00}. Howeve r, Seterus  guaranteed me that this person did not work with them. I relayed this info to the supposed " mortgage lending dept '' and told them they are scammer and to never call me again. However, he/she called again and told them the same. Hopefully you can help stop these thieves with the phone # I listed here.     Thanks!
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX is reporting to XXXX that this account is missing payments when this account is closed and paid in full. XXXX XXXX is repeatedly reporting fraudulent report and XXXX XXXX is fraudulent reporting the. This is repeatedly a problem.
Consumer complaint received 2019-08-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (NJ)

I borrowed {$5000.00} in 2006 from at the time, " XXXX XXXX XXXX " now called Younomics. Aside from the times I was in school, I have made payments on this loan. In that time I have paid {$8000.00} into this loan. I still owe them {$5200.00} AND an additional {$400.00} in accrued interest from when I was getting my Masters and Bachelor 's. By the time I finish paying off this loan, I could have used that money towards a house or a brand new car. This is robbery.
Consumer complaint received 2017-05-31
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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

portfolio recovery does not have ANY valid contract with me and is using methods of extortion by defamation of character to collect a debt that was never owed to the m, Im not their cus tomer, Im not their member, Im not their consumer, They need to show me a valid lawful contract or they must CEASE AND DESIST AT ONCE, because they are in violation also of information breach!!! see applicable law, s. A breach occurs when a customers personal information was, or is reasonably believed to have been, accessed by an unauthorized person.   N.J.S.A . 56:8-163 ( a ). Upon discovering the breach, the first step is to notify the Division of State Police,   in the Department of Law and Public Safety, for investigation or handling.
Consumer complaint received 2017-05-31
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: JPMORGAN CHASE & CO. (TX)

This account is a  Private Student Loan account that was originally through Chase. Th e account was opened on or around  XX/XX/2008   . The outstanding balance currently reflected is for {$19000.00}. I hired a consumer attorney to represent me for this account. After certain information that I have provide d, Chase deem ed that I was no longer liable for this account.  XXXX  and  XXXX  have already been updated, they have removed the  Chase Student Loan a ccount from my credit reports, however,  XXXX  has not removed this account. I have disputed this account several times on  XXXX , and each time, they respond with the creditor has validated this debt. I have called Chase several times and talked to several people, including supervisors, and no one knows what to do or whom to talk to, and apparently does not have record of THEIR ACCOUNT. Chase directs me to contact  XXXX   XXXX   XXXX   (  XXXX   ). I have called  XXXX  several times, and have spoken to several people, including supervisors, and they have no record of my account.  XXXX  directs me to contact Chase, as they are the ( only -  XXXX  is NOT ) lenders reporting on my  XXXX  credit report. The numbers that I have tried are  XXXX  (   XXXX   ),  XXXX  ( old  Chase Student Loan  line - which no longer works ),  XXXX  (  XXXX  - this is for Federal Student Loans ). In other words , Chase a nd  XXXX  are pointing their fingers at each other, and I am just the man-in-the-middle ( the one whom is suffering from this dilemma ). This is very frustrating, and it should be something very simple to accomplish. I am no longer liable for this account, whom do I need to talk to?
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Social Finance, Inc. (SC)

I have spoken with SOFI directly and have disputed the balance shown *twice* already. Rather than fixing the error, SOFI 's solution seems to be to drop back a month and report an even higher incorrect balance to XXXX. Twice they have reported to XXXX  that they are reporting correctly but clearly they are not.
Consumer complaint received 2017-05-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Credit card or prepaid card Issue : Problem with a purchase shown on your statement 1. Why was I not included in the class action lawsuit against Citi Bank XXXX by CFPB. 2. According to Ms recent letter I was late on payment payment was due XX/XX/XXXX for {$110.00} that is why my account was closed inXX/XX/XXXX. I was still using card at the date it was not closed. My Cash rewards were forfeited per Costco validation late XXXX XXXX. 3. Very bad reporting XXXX report showsXX/XX/XXXX account charged off.written off XXXX XXXX past due as of XXXX XXXX. XXXX report XX/XX/XXXX shows XXXX written off XXXX past due. That past due is what going up at XXXX a month please stop this account asap. 4. Please contact the malpractice firm XXXX XXXX XXXX  my rights as a consumer are being abused I insist an order be filed asap to sieze and desist.account ending in XXXX with citi bank. 5. I have a legal excuse from appeals court from XXXX XXXX to XXXX XXXX as to why my unemployment checks where being withheld at the max rate per week case # XXXX case # XXXX and case # XXXX Calif Unemployment Insurance Appeals Board XXXX County Office of Appeals that a total of 120 days the max amount of time to write off any account. What is this set me up for failure these three cases was over turned in my favor my check where being withheld unjust and back pay ordered after serving the penalty of 16 weeks no income I was legally bound.