davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MA)

I graduated college in 2011 with about 25,000 in debt. I was misled regarding student loans by sallie Mae now navient as they told us that my mother could co-sign but later be taken off when I demonstrated that I could pay consistently for a period of time. We were also misled about rates and repayment options causing us to accrue thousands and thousands of additional debt. I have now paid my loans consistently for years and owe over 40,000 of debt. My mother is still a co-signer and we have been told now that she will never come off as a co-signer. This company misled us causing thousands of dollars of debt that should be repaid.
Consumer complaint received 2019-08-22
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: United Acceptance Inc. (TX)

United acceptance is saying that my Charge off account was in XXXX of XXXX. And it was ok current I XXXX and XXXX XXXX. This is not true or correct. XXXX  and XXXX has deleted this from my credit report in XXXX. Per XXXX  that I am disputing this on my credit report. My car was repoed In XX/XX/XXXX and charge off XXXX and was suppose to be deleted per XXXX  report as of everyone elses credit report XX/XX/XXXX. United will not send me an suppose payment that I didnt not make in XXXX no proof of payment I made. I didnt make a payment this is fraud and not correct and I want this deleted from my credit report. As my attachments you will see my complaint and bad ethics with this company. I will reach out also to my district office as well I want this resolved.
Consumer complaint received 2023-01-12
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. (NJ)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 2021-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union (NC)

XX/XX/21-My checking account was disabled. 

XX/XX/21-I reached out by phone to First Tech, and was told that my account was frozen, no deposits or withdrawals could be made. I could not speak with the fraud department personally, I would have to correspond through post mail.

The reason I am submitting this complaint is a few factors 1. There is no timeframe for resolution that they stated which they could guarantee.

2. There is no way to communicate with the fraud department, except by post mail.

3. There are oversensitive fraud measures relative to other banks I have used.

3. I desperately need this money to pay my credit card bill. I was consolidating it here from a few different accounts in order to make the payment. The total amount is ~ {$6500.00}.
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION (CA)

My bank, XXXX XXXX XXXX XXXX, online bill pay service issues a check and mails it two days before due date that I set in bill pay. In this case XX/XX/XXXX was due date to pay credit card Co BBVA Compass. I confirmed with my bank online bill pay that check was cut and mailed for XX/XX/XXXX. 

Problem is the credit card company, BBVA Compass, receives payment check issued by my bank, XXXX XXXX XXXX, on XX/XX/XXXX then has slow processing with check posting on XX/XX/XXXX ( the XXXX as a Friday ) thereby incurring me a {$27.00} late fee and minimum interest charge of {$1.00} I called BBVA and they reversed both fees after much discussion as to why I should no be held responsible. However, when I explained that the late or slow processing is the cause of the problem at BBVA, her response is that I should be paying 2 to 3 days before the due date in order to avoid the late fee.

I do not have this problem with ANY of my other bill pay banks ... ever.

She did not seem to grasp the concept that

BBVA 's processing a payment two days after its arrival is not acceptable nor their responsibility. Hence my complaint. I have attached proof copies of payment dates and check clearing dates.
Consumer complaint received 2021-01-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BSI Financial Holdings, Inc. (FL)

BSI Financial Services is reporting an unpaid mortgage balance that is not owed. Attached I have provided evidence that the unpaid balance that is being claimed by BSI Mortgage has been resolved two years ago. 

Please see the attached documents.
Consumer complaint received 2018-02-07
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: Experian Information Solutions Inc. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2022-04-29
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-05-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (SC)

I forgot to schedule my payment to come out on the due date, so I scheduled it to come out as soon as I realized the error. The payment is scheduled to post on XX/XX/XXXX. My mother told me she received 3 phone calls on the XXXX and 3 on the XXXX about the severe delinquency of my loan. I am the primary borrower and only received one call. My loan is barely 15 days past due. When I contacted Firstmark they started that they continue to make those calls even if the payment I scheduled. I asked why they felt the need to call over and over again. They said the calls are randomly generated. I asked why the primary borrower wouldnt be contacted first and he was like oh I dont know. Then he said the calls will continue until XXXX XXXX  of the day of the scheduled payment. 

This is very misleading. My mother was going to make the payment, but thankfully I let her know I already had one scheduled. This tactic seems very misleading and manipulative. If someone has a payment scheduled, they should not be calling anyone other the primary borrower, and they really shouldnt be calling anyone at all if there is a pending payment. The volume of phone calls and e-mails my mother received is borderline harassment. This company should not be allowed go call people numerous times a day when they have a payment pending!
Consumer complaint received 2019-11-13
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. (FL)

equifax, XXXX  and XXXX have accounts on my credit report that are not mine/inaccurate. 

accounts : XXXX Account : XXXX**** Investigate Ownership : I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX**** I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX**** I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX**** I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (OR)

I received notification that TCF bank was acquired by Huntington Bank and that my account would be considered dormant if I did not contact them. I called XXXX XXXX XXXX  and waited for 1 hour 48 min on hold before the line was cut off. I tried again XXXX at XXXX XXXX  and asked for a call back.I never received a call back. I replied to the email that was sent to me with no acknowledgement. I need to close this account and the bank is giving me no way to do so.
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (NY)

I have reached out to the Credit Bureaus for over 30 days and I am yet to receive a response, these items are inaccurate and I demand to have the removed.
Consumer complaint received 2022-04-29
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: Synovus Bank (IL)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
FSTPROGRESS Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

I have an loan with COMENITY BANK/XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called COMENITY BANK/XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX, and COMENITY BANK/XXXX  with no successful resolution. XXXX XXXX and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2020-01-24
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. (MI)

Attached is the letter of PROOF you demanded of me because you failed to do your job correctly when I submitted my drivers license showing my only address, mailable to me. Now I am demanding removal of the INQUIRY and the address of XXXX  XXXX  MI.
Consumer complaint received 2018-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

A old debt still remains on my credit report, Account Name XXXX XXXX  Account Number XXXX Account Type Revolving Bureau - XXXX Date Open - XX/XX/XXXX High Limit - {$7600.00} Monthly Payment - Account Balance - {$52000.00} Last Reported - XX/XX/XXXXAccount Status - Charge - Off Amount Past Due - XXXX Account Designator - Authorized User
Consumer complaint received 2018-02-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Gotmortgage.com (CA)

I purchased a house in an area that has a Special Assessment ( XXXX XXXX ). My mortgage company, GotMortgage, is aware of the XXXX XXXX, because its stated on the Preliminary Title Report. On XX/XX/XXXX, I signed a Closing Disclosure with GotMortgage, that included my principal & interest and escrow of {$4200.00}. When I went to closing on XX/XX/XXXX my principal & interest and escrow was {$3600.00}. GotMortgage sold my loan to XXXX XXXX, and this year when XXXX conducted an analysis of my taxes I am short {$16000.00} for my escrow. Which makes my new payment at {$5600.00}. The reason I am short XXXX is because when I went to closing the Taxes and XXXX XXXX was changed and not enough money was collected for my escrow account. 
I have contacted GotMortgage to get an explanation to why this happened and I have been told " XXXX XXXX was not collected and they ( GotMortgage ) don't know why my documents were different at closing.
Consumer complaint received 2021-11-09
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-04
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. (OH)

I am having issues with my information on my file. I have several address that I never lived at on my credit report. My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX  XXXX, OH XXXX I have a unverified account the I never done business with XXXX  XXXX # XXXX or XXXX/XXXX XXXX # XXXX.
Consumer complaint received 2020-11-05
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. (CA)

I started in XX/XX/2020 to find out why my credit report was so low. Experian will not remove a bankruptcy that is destroying my life. I understand if I filed then I would have to deal with the consequences, but I did not. I disputed the the negative mark on my credit report, and waited for a response, 30 days later I got a credit report with no changes and a letter stating they received their information from XXXX XXXX and that it would remain. So I contacted XXXX XXXX, and they told me they would look into it, and they did and they sent me a letter and and updated report so I could have proof for myself, and I sent all of that information to Experian and they still have not removed it from my file. I pay for their monthly service and it wont even allow me to dispute it. It shows bankruptcy and dismissed. I cant get credit cards because of this, the last two cars I bought were at 26 % interest. I have been denied from several banks and forced to open secured credit cards. It is not fair that they will not delete it. I sent XX/XX/XXXX the information and they took it off. All finance companies use Experian and if they are the only ones that controls what is in your credit file then they should take the power a lot more serious, cause they are ruining lives. I have paid thousands in interest and will never get ahead. I can't afford to let this go on any longer its going on 5 years that I have been penalized for it.
Consumer complaint received 2020-06-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

30 days ago I submitted a dispute with equifax concerning XXXX XXXX XXXX. They are attempting to collect a debt that was the result of identity theft. I explained that clearly to equifax and also attached a police report confirming my stolen identity. I also clearly explained that at the time of the incident I was living in California, not in XXXX XXXX  united states, and for me to travel there for XXXX services is  unthinkable. However, no information was given to me as to why the account was verified as accurate. All I was given was an address to a small time collection agency who did not want to delete the account and asked me to pay for the fraudulent account.
Consumer complaint received 2021-05-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (GA)

I have a loan that was purchased by loan depot. A temporary construction loan meant to be refinanced as soon as the house was built. Loan Depot has been the worst lender I have ever dealt with. I went into forbearance in XXXX of XXXX when I lost my job due to the COVID-19 pandemic. I changed careers and got back to work and tried to get into a loan modification in XXXX of XXXX. Loan Depot took 4 months to give terms of the modification and the terms are completely unacceptable. They left the interest rate the same ( 5.5 % - even though prime is closer to 3 % ), they did not remove PMI ( even though there is $ XXXX in equity in the house ), and they actually INCREASED the monthly payment rather than reduce it. I called and countered with better terms and they said take it or leave it. 

THEY THREATENED MY CREDIT SCORE IF I DID NOT ACCEPT THEIR OFFER! 

$ XXXX is too much and I can not afford that. 5.5 % interest is USERY! They will not work with me at all. Loan Depot is the WORST lender I have ever worked with. I need help. Can anyone help me? 

Loan Depot also took 4 months to give me the terms of the modification, but counted that time towards my total forbearance time. So, I can not even get that 4 months back or added to my forbearance.
Consumer complaint received 2018-02-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc. (MI)

I have never provided my written authorization to First Federal Credit Control to have access to my medical files and records. They have clearly violated my H.I.P.P.A rights and destroyed my credit. 
I DO NOT have a contract, written nor verbal regarding the debt they are claiming I owe. 
I have tried to resolve this issue with FIRST FEDERAL CREDIT CONTROL but they are careless and have no respect for the rule of law. I don't owe them anything, I don't have a contract or financial obligation with them whatsoever. 
They must DELETE the NEGATIVE info they have put in my XXXX XXXX XXXX.
Consumer complaint received 2022-01-11
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. (TX)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2020-11-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NE)

On XXXX I received a XXXX form from Chime XXXX XXXX which stated I needed to complete the form due to a ssn audit. 

I completed the form & sent it back using the pre pains envelope On XX/XX/XXXX, I reached out to Chime to ask if they had received my XXXX ( because if not, I could of transferred my funds out to one of my other banks ). The customer service rep stated if I used the prepaid envelope, then they would receive the form & there is nothing to worry about Less then 24 hours later-I try to log onto Chime and my account is closed. Unfortunately, you cant reach them on the phone without an acct so, I talk to them via email. XXXX stated if I send a copy of my SSN and ID then they may possibly be able to open the account back up. That was at XXXX XXXX  and despite the fact that I have sent them numerous emails, no one responded. Also, I reached out to the the XXXX - who stated they will send my request to all of their card services team and someone will respond to me in XXXX days. This is completely unacceptable. When it comes to funds, a consumer should have better access to customer service to get these types of answers that are so needed. 

A couple of things that I want to mention : XXXX the ssn audit was prompted because I have a hyphenated last name and opened the account with one last name. Chime claims that the system matches names from deposits to bank accounts. However, I have had direct deposits go into my Chime account under my hyphenated last name. 

* they did not give a 30 day window to return the XXXX ( even though we are in a pandemic and its election year, PLUS the holidays ) they notified via email on XXXX that I was going to need to complete the XXXX that was in route to me via mail. I received the XXXX and on XXXX, I returned it via the business reply envelope they provided. They wanted it back by XX/XX/XXXX and if not, the account would be closed on XX/XX/XXXX.