davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MD)

I previously had a student loan account that was managed by Navient. I had the loan re-financed XX/XX/XXXX by a new student loan company, XXXX. The loan pay off amount in XX/XX/XXXX was {$21000.00}. 

Now, Navient shows that I still have an outstanding balance of {$910.00}. Navient has continued to charge interest on my account but never notified me that the loan was underfunded. It is clear that Navient benefits from underfunding consumers loans as they then are able to continue charging interest against the consumer. Interest charged is at a rate of 6.8 %. The due date for the outstanding balance is XX/XX/XXXX. 

I contacted Navient to request information. Navient is blaming XXXX as at fault for not fully funding the loan. However ; my argument is that Navient has knowledge of an underfunded loan ; XXXX would not be aware of any outstanding amount. They stated that the due date on the loan is in the year XX/XX/XXXX so they were not notifying me until nearer that date. Navient failed to address my concerns and rather told me to contact the U.S. Department of Education. 

I am filing a formal complaint because Navient is benefiting from failing to inform consumers when a loan is under funded. I am likely not the only consumer that has had such an experience.
Consumer complaint received 2022-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (IL)

On the daily Im getting collection calls for debt I did not accrue. For the past 16 years Ive been dealing with identity theft since my purse was stolen with my social security card and drivers license with all my credit cards. The credit cards at least got cancelled but my social has been used by others since. Most recently even for work in a different state that I dont live in. I even had my bank account levied to pay that state tax that they didnt pay.
Consumer complaint received 2018-02-27
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

hello, I bank with wells fargo for now 5 years. money was credited on my savings account and then taken several times because of one claim that was closed on my favor. 

the bank left my savings account on a minus negative balance saying the reasons it was done because they had credited me in error too many times. and that by error they had opened several disputed on the same case. 

so the out come was that everything they gave me was at the end taken and leaving me with a negative savings balance for a dispute from XX/XX/2017.
Consumer complaint received 2022-04-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (WA)

I got My Mortgage back in 2016 with XXXX Mortgage at the time it was a conventional loan but due to student loan they switch it to an FHA last minute so i can close on my loan. I wasn't paying student loan but i had to act as if i was so my DTI went higher my credit score and work history had me at a conventional loan. They told me that once i hit 20 % on either loan i can have the XXXX or XXXX whatever you want to call it removed. I was told the only difference on FHA was i had to ask the XXXX to remove it once in got to the 20 %. My loan since then has changed hands several times over the years. I ask since after year one to have the XXXX removed several time. I even contacted the FHA to ask how that work in my attachment you will see i contacted them and M & T who has my mortgage now several time asking if i can talk to the right person so i can have the XXXX removed due to what it say in the FHA info they sent it say that if the lender and i come to an agreement i can have the XXXX remove with in 15 days. I have showed M & T this several time i don't have the emails or phone call or letter from them from the first few times ive asked. But i due have the ones i just asked them again. They choose to only go bay the rule that says it for the life of the loan which isn't true it can be for the life of the loan in many different ways it say on the info that FHA gave me but at the bottom it also say i can be removed with an agreement between us both. All they really due is blow me off and send me a letter like the one i have attached saying it for the life of the loan once again which isn't true. Please read threw my attachment from FHA and M & T bank and you could even talk to FHA your self and they will tell you the same thing they told me that it is possible to remove the XXXX off my loan Thanks for your time.
Consumer complaint received 2022-04-07
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I have contacted Experian on multiple occasions to discuss my dispute far as my bankruptcy. It has been on multiple occasion, where I have been lied to. I first reached out to Experian on XX/XX/XXXX by a way of mail, to let them know that the reporting of my Bankruptcy is showing incorrect. Then they sent me a letter back stating that it came back verified and that they updated information. I was confused on how it can be verified so quickly as courts were starting to close due to Covid-19. I began to wonder if that had even contacted the bankruptcy court to begin with. 
So, I questioned Experian and their validity to see if they even began to do their due diligence to contact the Bankruptcy court. So, I asked them how they verified this, who did they contact and how they contacted them. They told me that they did not verify it. I was in complete shock when I found out this as this could be a violation of the Fair credit reporting act. They told me that a third party by the name of XXXX XXXX has done it. I was still shocked to know they did not do a throughout investigation and then marked my bankruptcy as verified. 
So, I contacted XXXX XXXX to discover how they verified the information and did they follow the rules Experian was supposed to follow. They then sent me a letter in the mail stating that the information they received was verified through the bankruptcy court in Tennessee. I was shocked that Tennessee court did such a thing, so I contacted Tennessee bankruptcy court along with the bankruptcy court of Illinois. 
I reached out to both courts to discover that Experian and XXXX XXXX had been lying to me this entire time! The letters that I received back from both courthouses clearly shows a violation for both entities. The letters clearly state they did not provide nor verify information with these entities. Along with how these courts do not provide any information at all to the bureaus. When I had a phone conversation with the Clerk she expressed how she felt that these companies continue to fib to the American people ; and also Tennessee does not have my information on me because its not the state I filed with. She was so flabbergasted they did this because she could not even look me up in her system. All of which is a violation of the FCRA and is dishonest way for a major bureau such as itself to act.
Consumer complaint received 2022-04-07
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX/TransUnionXXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-07
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: NAVY FEDERAL CREDIT UNION (GA)

XXXX is stating Navy Federal # XXXX is reporting my account as Refinanced and that's not true. The loan was " PAID IN FULL '' and " PAID OFF '' early, so why would it be reporting as refinanced. 

XXXX Status states " Paid Satisfactorily '' the loan was paid in Full. Navy need to ensure XXXX is reporting this information correctly as it affects my credit profile.
Consumer complaint received 2024-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I received an email from the debt collector on XX/XX/XXXXXXXX  stating I owed {$1200.00} from an account with XXXX XXXX XXXX. I have never had an account with that bank. I believe the only reason why I received the email is because my email address is a simple first name-last name address. 
On XXXX XXXX, XXXX  I mailed a certified letter to the company disputing the charge and stating that they have confused me with another person. I asked to only be contacted via mail and for them to send information on why they think I am the person who owes the debt. I received a letter from the company, dated XX/XX/XXXX XXXX, that included an " account summary which provides verification of debt. '' The summary was a copy of a XXXX  XXXX statement with the person 's name and address. The person has the same first and last name as me but the address is a street in a town where I have never lived. A simple XXXX search of the name and address brings up more information about this person, who is not me, and does not match my residential, employer, or credit report history, and they have a different middle initial. 
As a result of the dispute letter I sent, the debt collector now knows my mailing address which they did not have before. They sent another letter to me about the debt, dated XX/XX/XXXX, stating " Your account was placed in our prelegal collection track on XX/XX/XXXX and remains unresolved with a balance of {$1200.00}. The account will soon be reviewed for further action and may be forwarded to an attorney to review for a possible lawsuit. '' They also emailed me again on XX/XX/XXXX about the debt. 
This is a case of mistaken identity but the debt collector seems to only have an agenda of harassment and most likely eventually suing hoping I do not show up to defend myself.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize this information XXXXXXXX XXXX XXXX XXXX XXXX. I contacted that court and they sent me a letter that they do not send anything to the credit bureaus or have any file that matches my personal information. I then contacted XXXX, they show no record of the bankruptcy or a file under my name. I have attached a copy of the letter from XXXX. I want you to remove this inaccurate tradeline from my credit report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results.
Consumer complaint received 2018-02-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

I am submitting this complaint because this bank is continuing to deny my applications, this time one for a checking account, three years after shutting down a single Chase XXXX credit card because of too many inquiries. Since this, I also tried to open a Chase XXXX card and received the denial reason of " Previous unsatisfactory relationship with bank ''. I understand their concerns then since my credit file was a little thin and new but clearly today is different with a > XXXX credit score. I have never defaulted on a loan or even ever been late with a payment and have thus clearly demonstrated being a good credit risk, at least for a checking account. I opened this account because of the convenience of a branch to my home. I am kindly asking for this to be reconsidered due to the time that has passed and also it being based on actions I didn't even know were a problem. I am submitting this request through the CFPB because it is the only effective way to reach the Office of the President. Thank you.
Consumer complaint received 2019-08-17
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. (MA)

To whom it may concern, this serious issue with Equifax and correction and or compensation to 147 million.  WE DO NOT WANT FREE SERVICE ANYTHING WE WANT OUR WELL DESERVED AND LEGALLY DESERVING MONETARY COMPENSATION, IT'S WRONG FOR CFPB TO BE WORKING FOR THE COMPANY THAT HAS VIOLATED OUR TRUST AND ALLOWED OUR VITAL INFORMATION TO BE COMPROMISED.  DO NOT ALLOW THEM TO WALK WITHOUT HAVING FULFILL THEIR LEGAL AND TO ADD MORAL OBLIGATION TO THE MILLIONS OF PEOPLE THEY HAVE HARMED.
Consumer complaint received 2022-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (LA)

A tax payment was taken out of escrow in XX/XX/ 2022 when it was not supposed to as this payment came from the title company after closing. The city continues to report they never received the payment. No one at New Rez can tell us if this payment was received and/or cashed. We have made multiple requests to New Rez to resolve the issue and no further information can be given to us other than they are working on it. We have contacted the city on multiple occasions and they report no payment was received and no one from New Rez has contacted them about trying to resolve the issue. It is impossible to speak to anyone in the tax department at New Rez and customer service is unable to give us any information regarding what steps are being taken to resolve the issue. We are getting concerned and really need the money back in our escrow. Any help would be appreciated.
Consumer complaint received 2017-12-21
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. (CA)

The Social Security Administration incorrectly listed me as XXXX dated XXXX XXXX, XXXX. When I was made aware of this issue from a TransUnion credit report on XXXX XXXX, XXXX, I promptly went into my local Social Security Administration office to verify  that I was not, in fact, XXXX. The Social Security Administration issued me an Erroneous XXXX Letter and advised that I submit this letter to various credit reporting agencies and financial institutions to unfreeze my accounts and correct my credit report. The Social Security Administration made me aware yesterday ( XXXX XXXX, XXXX ) that the information had been corrected in their system and no agencies or cards should have any reason to list me as XXXX. 

In order to have the incorrect information removed from my credit report, TransUnion asked me to fax them the Erroneous XXXX Letter from the Social Security Administration, which I did promptly on XXXX XXXX, XXXX. On at least two separate calls to TransUnion I spoke to employees named XXXX and XXXX who each advised me that they could neither confirm receipt of the fax nor help me understand the steps I needed to take to remove this false information from my report. XXXX specifically told me ( and repeated multiple times ) that she had " no idea '' how her agency receives information related to Social Security information and that there was no way they could refresh their information to reflect the most updated information from the Social Security Administration ( where the issue has since been corrected ). She also advised me there was no other supervisor I could talk to about the issue. 

Given this erroneous XXXX note will make me unable to obtain credit and that this error was unrelated to any prior actions I had taken, I would like an expedient route to have the error corrected in TransUnion 's system.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (DE)

Experian and XXXX are not displaying my mortgage payment history correctly since XX/XX/XXXX through XX/XX/XXXX. I had a forbearance with XXXXXXXX XXXX  during that time due to the pandemic, XXXX has received a a lump sum and consistent payments since XXXX XXXX XXXXXXXX XXXX states that they are reporting as current, the two agencies says yes l am current however no data show for the months listed above and l am unable to get a fair and accurate rating for my report. I want my credit report to be given that same energy as if l was late.
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (NY)

On XX/XX/2021 have performed transaction to transfer money from my ( Sender ) bank to receipent Bank in XXXX for {$320.00}. They told me money will be available for receipent by XX/XX/2021. The have taken out money from my Bank XXXX XX/XX/XXXX or XXXX but didn't submitt to Receipent. On XX/XX/XXXX calling Wester Union they issue me Ref # XXXX .I m trying calling them to give me status or report .They Put me on hold for long time .Can someone please look in this matter and Today is XX/XX/XXXX don't know where my money is. For further inquiry or questions I can be reached at XXXX or XXXX XXXX
Consumer complaint received 2021-12-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (PA)

I was told during the loan application process there was no interest charge for 6 months. I am presently being charged 169 % interest on my loan. The company is insisting they did not lie and these are just finance charges. The company is using the term interchangeably with interest in order to trick consumer into astronomical interest rates.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (DE)

XXXX  and XXXX  are not displaying my mortgage payment history correctly since XX/XX/XXXX through XX/XX/XXXX. I had a forbearance with XXXXXXXX XXXX  during that time due to the pandemic, XXXX has received a a lump sum and consistent payments since XXXX XXXX XXXXXXXX XXXX states that they are reporting as current, the two agencies says yes l am current however no data show for the months listed above and l am unable to get a fair and accurate rating for my report. I want my credit report to be given that same energy as if l was late.
Consumer complaint received 2021-05-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (NV)

Repeated requests have been made to this agency to validate the alleged debt and each time they fail to respond and/or send fictitious, made up documents. Also, they make repeated calls to my personal phone, business phone and home address after being notified the alleged debt is in dispute and to cease and desist. They've completely disregarded my consumer rights, violated FDCPA and report false information to the credit bureaus in violation of FCRA.