davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I have a private loan with Navient which used to be Sallie Mae. I have requested they lower my student loan payment in which on XX/XX/XXXX I was denied repayment options because : " After financial review you and/or your co-signer appear to have the ability to maintain the contractual terms. My co-signer is deceased. I have sent Navient his death certificate and they are still sending me mail with my fathers name attached to notices. They either have lost/or mishandled important documentation stating that I no longer have my co-signer available to help with paying my loan. 

On the month of XXXX my Mother received a call saying I was delinquent and I would be sent to collections if I did not pay before the beginning of XXXX. I called two months previous making sure I was put on a scheduled payment plan. One payment to be taken out on the XX/XX/XXXX of every month and one to be taken out on the XX/XX/XXXX of every month. When I called them to pay the requested amount they told me that I owed even more money because I was taken off auto-pay. They also said they no longer had my phone number to contact me. They allowed this to go on for two months increasing my interest rates and charging me late fees. This is harassment to be told I have to pay or I will go to collections and it is illegal they are increasing my interest and charging me late fees with their own mishandling of my account. They are already being sued for these allegations. I would like to make a formal complaint and find out how to either be dismissed from this loan or to receive repayment. 

The company has refused to lower my payments and continues to tell me that I will be sent to collections due to delinquency. I do not have a cosigner to help assist with me the amount of money they are asking for.
Consumer complaint received 2017-09-08
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. (NC)

Equifax announced a cyber-security incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from mid-XX/XX/XXXX throughXX/XX/XXXX.
I am one of those victims according to Equifaxs Check Potential Impact tool.
They offer a free subscription to TrustedID Premier, but if I agree to the terms of service I will not be able to participate in a class action lawsuit if one should be filed. Believe me when I say- I want to sue them out of existence.
I do not trust Equifax with my personal information, as they have shown it is not secure. Now it 's 'out there ' forever. My personal credit information is now out of my control due to the ineptness of this company. My identity is at risk and it falls completely on the feet of Equifax.
Just days after the breach, several top executives from Equifax sold almost {$2.00} million in stocks, yet they waited months to inform the public. I believe this to be criminal.
They are using fear to 'trick ' people into signing up for the credit monitoring service for one year free, only to ( 1 ) prevent them from suing, ( 2 ) to charge them for this service for the remainder of their life, if they wish to monitor their Identity and try to control their credit.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (ID)

Equifax was hacked from XX/XX/XXXX through XX/XX/XXXX, apparently. It 's XXXX and they 're just now notifying us of the hack. That 's too long, it 's over a month. I still have n't received a personal email/letter/anything. I had to hear about it on the radio while driving to work. Equifax did set up a separate website, but if you do n't click on exactly the right things in the right order they try to enroll you in something that waives your right to be part of a class action lawsuit, which is nonsense.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX  XXXX XXXX XXXX XXXX  VA XXXX   XXXX  dob XX/XX/XXXXBy law all inquires over

two years old must be removed my credit report. Transunion will not removed the following inquired from my credit report that are over two ye
ars old.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX  ) XXXX XXXX XXXX I ndividual Requested On : XX/XX/XXXX,  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX I ndividual Requested On : XX/XX/XXXX
Consumer complaint received 2017-09-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CBM Services, Inc. (MI)

Listing on XXXX..CBM COLLECTIONS | XXXX XXXX XXXX XXXX XXXX | XXXX, MI XXXX PH XXXX XXXX XXXX Address identification number XXXX Account number XXXX  Recent balance {$16.00} as of XX/XX/XXXX Status Collection account. {$16.00} past due as of XX/XX/XXXX.
Date opened XX/XX/XXXX Details Account paid in full I contacted them recently after finding out I owed them, paid the initial off of 16, they informed me I had another pending amount, I paid that after talking with them and them informing me they would remove this listing.
Additional information paid in full in two payments, XX/XX/XXXX XXXX CBM SERVICES INC XXXX MI {$16.00}XX/XX/XXXX XXXX  CBM SERVICES INC XXXX MI {$80.00}
Consumer complaint received 2022-09-07
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: Credit Karma (NH)

I have applied for many credit cards Through credit karma that offer guaranteed approval, Only to be denied via a credit check. I've also applied for debt relief personal loans personal loans pretty much all of the guaranteed indeed stress relief that they offer only to find out I just Damage to my credit score even worse. To be honest with you you can look at my applications I'm sure someone can find out I've been going through this with them for 10 years.
Consumer complaint received 2020-06-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (AK)

I tried to transfer {$5000.00} from Alaska to XXXX to help family there during the pandemic. XXXX immediately took the money out of my XXXX XXXX checking account on XXXX XXXX and their web site said it would be available XXXX XXXX. There is no sign of the money - it has apparently been stolen. 

In the meantime, XXXX has announced they will not be opening their borders for the rest of the year. My brother works in the travel industry so is in even greater need of financial assistance now, but I am out the money I tried to send to him ( so I can't send it by a trustworthy company ) and he still needs the money. 

The worst part is that these people have all my information to set up identity theft - they should not be allowed to do business anywhere in the country and prey on people because of pandemic financial distress.
Consumer complaint received 2018-03-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Zenith Financial Network Inc (TX)

I have constant calls and voicemails from this company leaving vague, threatening messages. I have been getting these messages and calls for several weeks now. The message states that I have been uncooperative in addressing legal documents, however I have yet to receive anything in the mail related to legal documents, been serves with any legal documents, or had an attorney contact me. The message goes on to state that they will be left with no recourse other than to report my non compliance. The message is very vague, yet threatening. I get a call from them about four times a day, with the same message, or just a hang up. I called today and spoke with two different representatives, who kept avoiding my questions. I asked for the name of the company which the first rep. refused to give me, I asked her for their address and she refused  again, she wanted to know why I needed that information, and became argumentative with me for simply asking for their information. The second phone call a man answered and again kept dancing around my questions and speaking over me and would not answer any of my questions. I asked him to remove my phone number and he refused. He said he would send my information over to the county and get it verified, before anything would be done. I made it clear that I wanted to have the phone calls and threatening messages to cease and desist. He argued with me eventually told me that " He could not with me anymore '', when I simply was trying to get information as well as the calls to stop. At one point the man on the phone started to give me an address and cut himself off to give me a different address. After I told him he could also give the other address that he started with, he rudely replied " I know what my job is and what I can and can not do, thanks for letting me know. '' I have several voicemails indicating their deceptive practices, as well as recorded phone calls of the representatives rude unprofessional behavior.
Consumer complaint received 2017-09-08
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. (AL)

I have sent payments for the past 6 months. The day they are scheduled to be made they are in pending status not " processing '' or even paid. So currently I accrue interest for an extra few days because they refused to accept my payments date. I have a payment scheduled for today and it says " Pending ''. The money is in my account to be withdrawn now it will not drawn until so I accrue more interest until Monday. I try to make payments early to prevent more interest being gained. Essentially I schedule a payment then they wait two or three days to process it.
Consumer complaint received 2022-10-06
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. (NV)

This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX Open Date XX/XX/2016 Balance : {$7200.00}
Consumer complaint received 2020-05-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (AZ)

Coorrespondence was XXXX XXXX PHH CEO XXXX XXXX, for assistance regarding the payoff balance described in a XX/XX/XXXX PO notice. The current PO balance is {$450000.00}, The original balance was {$450000.00} in XXXX, There is zero credit for 15 years ( 180 mos ) of making payments. There have been missed payments due to a bankruptcy in XXXX and the reduced work ability resulting from my XXXX diagnosis with XXXX  XXXX and my earning ability is now further impacted by the COVID 19 pandemic. 

The loan was originated in XXXX, with an original principle balance of {$450000.00}, with a 30 year term at 4 % interest rate. Based on those terms, the loan would have had an amortized balance at month 132 ( XXXX - XXXX ) of XXXX, plus missed payments at the time a modification was executed in XXXX Based on the XXXX Home Affordable Modification Agreement ( HAMA ) with Ocwen Loan Servcing LLC, the then existing principle was adjusted to a new balance of XXXX. ( a ) What was the existing calculated principle balance a time of modification? ( b ) how much was added to the principle balance? Is there a payment history record from XXXX to XXXX from the original servicer, XXXX XXXX? Also, I was never provided a dated, lender/servicer signed HAMA document
Consumer complaint received 2017-09-08
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. (MD)

XXXX XXXX XXXX XXXX is reporting an account as charge off on my credit report along with payment history, balance, and past due. I have never had a credit account with them and they are listing term and payment history. Secondly this account should have been discharged with my bankruptcy. I spoke with a XXXX XXXX at branch and she stated she never received any discharge paperwork from the court. I then contacted Experian they stated the court did not report bankruptcy to bureau. I responded that per the courts they do not furnish information to any credit bureaus. Experian then stated that either I needed to send them copies of the schedules I filed with the court ( almost 3 years ago ) or the court would have to call them because of a recent lawsuit they will not accept any discharge papers or the info that the creditor provides to them which is unacceptable. XXXX is not reporting it correctly and is not correcting what has been published.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Where do I begin. The credit bureaus service no purpose. They are created to destroy peoples lives and there is nothing we can do about it unless someone in power takes a stand an abolish all three of the companies. Since the pandemic, my XXXX XXXX and personal life has been affected due to the Covid-19 and the credit bureaus are making the matter worse. I reported with all my credits my financial situation and how my XXXX XXXX has shutdown due to this crisis. The government has instructed the credit bureaus to not report consumers late on their credit report and they have disregard that request and my credit has dropped 250 points. I now have poor credit and I can't do anything to reverse this. I've made numerous disputes and the credit agencies keep saying it's under reinvestigation. Please hear me scream at the top of my lungs. How can these worthless folks still have jobs and they have ruined the lives of millions of people. I know I'm not the only one affected by this inhumane behavior. 

Due to the agencies reporting my creditors as late, many of my accounts were closed, the credit limit was reduced and my credit is messed up. Due to the incorrect reporting on my SSN, I was denied for both the PPP and EIDL government loan for my XXXX XXXX. The lender refuses to reconsider due to my poor credit. This undue hardship to my life is devastating. My XXXX XXXX is in limbo and my personal life is no more. I need someone to take this complaint serious and help me. I don't know what else to do. These agencies need to be held accountable for their bad practices.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX XXXX - Account Number:XXXX
Consumer complaint received 2021-02-01
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. (GA)

I have several hard inquires from companies Ive never applied for nor even know of. I reached out the credit burea as well the grantor to investigate and they continue refusing to remove these inquires and even show proof of this.
Consumer complaint received 2017-09-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I learned about the Equifax data breach on the morning of Friday, XXXX XXXX, 2017 and immediately accessed the Equifax website launched for this incident, www.equifaxsecurity2017.com, to find more information. Unfortunately, when trying to find information on my status, if I had been affected, Equifax stated that 'I may have been affected ' and instead tried to make me enroll in a 'complimentary ' XXXX security protection service to find out. After reviewing the terms and conditions, XXXX XXXX XXXX I concluded that by enrolling in the XXXX program, Equifax would not be liable if there were any indiscretions on their behalf that would affect me.
Upon learning this, I called the Equifax Response Line at ( XXXX ) XXXX at XXXX  EST. I was prompted to wait on hold for 20 minutes " for questions about the incident ''. I was finally connected with a representative who did not give their name and who did not ask for mine either. When asked how I can find out if I could they could disclose information about my status with their data breach, the representative then tried to enroll me in XXXX - without answering my question. When asked if there was another way I could find more information on this matter, the representative stated, " I do n't even have a manager you could speak with, I 'm just here to enroll people. '' It is incredibly irresponsible and abusive of Equifax to not only deny consumers the right to know the status of their personal information but to also try to exempt themselves as a company from being liable for a breach they are ultimately responsible for. Consumers should not have to sign away their right to respond to security negligence just to access their own information.
Finally, as I was writing this complaint, I tried to call the Equifax Response Line at ( XXXX ) XXXX in hopes of getting more information but was hung up on while on hold - not once, but twice.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2022-09-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Credit Karma (FL)

Credit Karma told me I qualified for several loans. I then applied, ALL of those loans were denied, resulting in several inquiries on my credit report and hard hits. My score is now trash. When I contacted them, they pretended not to have any account with me even though I have a checking and savings with them. It was only after I threatened to report them that they asked for more information to find my account.
Consumer complaint received 2020-07-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (NH)

On XX/XX/XXXX at XXXX EST. I looked at my Email and i got one from PayPal saying I sent someone by the name of XXXX XXXX {$1000.00} via my bank account. I immediately changed my password and added 2FA on my account. And then once I was done that I contacted PayPal support team and told them it was unauthorized activity but they denied my claim and said there was no unauthorized activity on my account that day. I asked them what they do to determine if the account had unauthorized activity or not and they completely dived the question. I opened a case for unauthorized activity and almost immediately they denied it and said there was no unauthorized activity. Ive been talking with them for the past 10 days and they wont help at all. Im just trying to get my money back.
Consumer complaint received 2020-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

I want a complete accounting of a 2004 mortgage that isnt counting 1 ) XXXX paid to XXXX. I owed XXXX to XXXX.XXXX  an {$8200.00} line of credit. 2 ) PAYMENTS we have made $ XXXX to this loan. 
XXXX mortgages. 
{$440000.00} XXXX escrow This is XXXX interest.over 16 years although We have reported {$130000.00} interest. 
Where is the other {$240000.00}?