davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MD)

For over 10 years I have been trying to get my daughter 's student loan payments to an amount I can afford. The amount I can afford is {$300.00} to {$400.00} per month. Each year I call Navient the representative tells me the amount I want to pay is fine, but I will still be considered delinquent if I don't pay the entire amount due. Finally in XXXX  one representative told me if I consolidate the loans I can get it to {$300.00} or {$400.00} per month. Well when I got the approved amount it came to around {$1600.00} per month. That was crazy, I contacted Navient immediately and told them I am unable to pay this amount. The representative said we can defer your payment for a year and maybe then you can pay it. I told them no I will not be able to pay it. I had to send a letter to the CEO of Navient and I got another representative to contact me. She indicated she would investigate this matter. Well she came back with there is nothing I can do to change the amount you need to pay, but I can defer you payment for a year. This is ridiculous how Navient representatives trick their customers into consolidating the loans when they are being told I can't pay the amount you are requesting in the first place. Then the new consolidated loan amount is 100 % higher than the individual loan amounts. This has been a burden on me for many years and I am tired of it. I need someone to contact Navient regarding tricking customer into consolidating loans and then not helping them to make the reasonable payment the customer can afford.
Consumer complaint received 2018-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Despite three written requests, the unverified items listed below remains on my credit report in violation of Federal Law. Transunion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Transunion stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Transunion did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Transunion also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Transunion is required to promptly DELETE all information which can not be verified. yet they have not.
Consumer complaint received 2021-01-29
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. (GA)

I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I complained about the Experian Boost Program. 

Your complaints COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX XXXX Credit repair services Problem with customer service EXPERIAN XX/XX/2020 Closed Feedback provided XXXX XXXX XXXX XXXX XXXX XXXX  services Problem with customer service EXPERIAN XX/XX/2020 Open Company response is in progress as of XX/XX/2020 ... I was later contacted by XXXX XXXX, of experian XXXX XXXX XXXX | Experian Consumer Affairs | Senior Regulatory Affairs Associate XXXX XXXX  XXXX XXXX XXXX, TX XXXX I told him my concerns, he advised me to again provide him my utility information for XXXX XXXX XXXX..which I did .I have continued to pay all my bills on time, including XXXX XXXX ... When 30 days from last month passed again today.XXXX XXXXExperian reduced my credit rating by 23 points ... I feel this is retaliation for my complaints. 

I have attached my Experian credit report which shows no derogatory information on my report, no collections, also showing they have not added my XXXX XXXX electric utility leaving still at 4 accounts ... .There has got to be something that can be done ... I am XXXX years old, it would seem that my credit rating should increase instead of dropping.
Consumer complaint received 2018-02-08
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

CAPITAL ONE BANK XXXX NA # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX ( XXXX ) XXXX I want the above account removed from my three credit reports. XXXX TransUnion, Experian, and Equifax XXXX This account says that it was discharged in a bankruptcy. This account was NOT included in a bankruptcy. This account DOES NOT belong to be me and I want this account removed ASAP. 


XXXX  XXXX # XXXX XXXX XXXX   XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX I also want the above account removed from my three credit reports. ( XXXX, XXXX, and XXXX ) This account says that it was XXXX  in a bankruptcy. This account was NOT included in a bankruptcy. This account DOES NOT belong to be me and I want this account removed ASAP.
Consumer complaint received 2018-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Good morning. 

I'm contacting you this morning, in the hopes that you will assist me with my loan modification - with Chase Bank. 

I have been in the review process, since XX/XX/XXXX and during that time, my file has been handled by a number of different points of contact, I have been asked to resubmit the same documents repeatedly and have been instructed on a 'one isdue at a time ' basis, throughout this entire process.

Chase has been questioning the same documents for two weeks now - they've asked three different questions to be answered, on my 2016 tax returns. All of these answers could have come on one conversation with them - however, underwriting continually comes back with new and more absurd questions. 

It's clearly obvious that Chase is attempting to stall this process and discourage me, at any cost,, from pursuing resolution of this problem. 

Last year, I had a number of financial setbacks, but those have been resolved and I'm more than capable of returning to on-time payment. I've attached the notes from my conversations with them and I look forward it to your assisting me with this problem. 

Thank you!
Consumer complaint received 2020-01-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Pursuant to Federal Rules ( 1002.14 ( a ) ( 1 ) - Equal Credit Opportunity Act - A borrower is entitled to a copy of the property evaluation or BPO in connection with a loss mitigation application. 

Rushmore believes that the Federal Rules does not apply to them. Their representative continue to defy the request and are now in violation of the above mentioned Federal Rule. Rushmore has engaged in Unfair Business Practices and should be sanction. There is no one above the law.
Consumer complaint received 2021-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

To whom it may concern, I have been banking with Bank of America for close to 3 years.

I have requested my claim to be looked at 3 times now, all 3 times they have closed, and not paid me back.

Two transactions of {$500.00} equaling {$1000.00} have been FRAUDUENTLY deducted from my checking account from XXXX  to bitcoin. 
As I explained to the first and second representative I spoke with I woke up Friday XX/XX/2021 to {$1000.00} GONE. 
Someone hacked into my XXXX  account and withdrew 2 {$500.00} payments from my checking account to my XXXX  account, put it into Bitcoin than immediately withdrew the funds.

I wrote XXXX  support to report it I got absolutely no help they gave me the run around. I called my Bank ( Bank of America ) who is SUPPOSED TO SECURE and PROTECT my account.

I did not get any alerts asking if I approved this transaction, nor any phone calls verifying if this was my transaction. I am very upset with the service I have received thus far.

MY FAMILY AND I HAVE BEEN FINANCIALLY AND EMOTIONALLY AFFECTED BY THIS FRAUDULENT activity that my bank ( bank of America ) did NOT PROTECT ME FROM.

From what I have been told the reason for denial was- 1 : Due to my account not being drained- it literally was, my deposit was {$1000.00} on XX/XX/XXXX. 
If there was enough in there for the scammers to pull another {$500.00} than XXXX sure they would have taken that too. 
2 : 2nd reason was because I used XXXX before- OF COURSE I HAVE USED XXXX! 
But! NOT FOR BITCOIN. I have sent an attachment to the bank of all transactions I have made through that app and it CLEARLY showed that NEVER have I purchased from Bit coin.

Also as you can see in the screenshot these people transferred the balance immediately out of Bitcoin.

I need my HARD EARNED MONEY Refunded now!!! 

As soon as I get this resolved I am closing this bank account with BANK OF AMERICA. I refuse to be treated as though I dont matter. 
I have called and asked for help multiple times and this bank clearly does NOT value their card holders. 

If I need to go the legal route trust me I will as I will not let some fraudster take MY hard earned money that i work hard for to support my FAMILY.
Consumer complaint received 2018-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I don't know where else to turn so I am hoping your company could possibly help me. The credit reporting agencies XXXX, TransUnion and XXXX are reporting information on my credit file that I believe to be past the statue of limitations. I have disputed it directly with all three bureaus and requested information directly from the companies in question but no one is providing me detailed information so I do hope by your company stepping in I can get clarification on several accounts. I really need your help and I would truly appreciate anything your company can do to get this resolved.
Consumer complaint received 2023-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Holloway Credit Solutions (AL)

I received a letter for a debt of {$46.00}, and this is unfair. I paid the original creditor in XXXX. I never received any notice or was told verbally when office visits were made, that, a debt was owed. I always paid copayments. The original creditor XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, verified that the debt was paid in XX/XX/XXXX, and weve had several office visits since then. The credit company never mailed a notice about the debt in XXXX, and all data is accurate for mailing at the practice that they received the debt from. I was told on XX/XX/XXXX by the billing department at the original creditor that the debt was paid and XXXX XXXX still wants me to pay {$11.00} for service secured by the original creditor. I find this unfair and shouldnt be held liable to pay for it. My daughter XXXX XXXX is the patient on this debt and I am the guarantor. 

Overall, were pleased with the practice.
Consumer complaint received 2020-06-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC (FL)

Upon reviewing a copy credit report, I requested Source Receivables Management remove the negative entry on my credit reports for their account in the amount of {$900.00}. They did not return correspondence showing my signature entering into an account with Source Receivables Manangement. 

According to XXXX, they do not have an outstanding account in my name or under my social security number. 

I challenge the accuracy, compliance and report-ability of this listing. Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature with Source Receivable Management ( SRM ). In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from my credit file under a SRM Account and my Social Security number.
Consumer complaint received 2018-02-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (CA)

The company calls at least four times a day from different numbers, which are listed below. Never leave a voicemail and have never mailed any amount due. 

XXXX - XX/XX/XXXX ; XXXX XXXX, XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXX XXXX, XXXX XXXX., XX/XX/XXXX ; XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXX XXXX., XXXX XXXX 
XXXX - XX/XX/XXXX XXXX XXXX, XX/XX/XXXX ; XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX ; XXXX XXXX., XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXXXXXX XXXX, XXXX XXXX., XXXX XXXX., XXXX XXXX, XX/XX/XXXX XXXX XXXX., XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXX XXXX., XX/XX/XXXX ; XXXX XXXX., XXXX XXXX. 
XXXX - XX/XX/XXXX ; XXXX XXXX, XXXX XXXX., XXXX XXXX 
XXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-05-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

ICC System ( charter communication ) I disputed the referenced accounts on XX/XX/year> The credit report of ( Credit Reporting Company ) shows these items were deleted from my credit file, Now these items have been reinserted on my credit report. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA S 611, Procedure in case of disputed accuracy ( 15 U.S.C. 16811 ], Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuantto subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( a ), consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinserted date. ( I ) a statement that the disputed information has been reinserted ( 11 ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy-or completeness of the disouted information. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action Your agency may avoid such action by immediately deleting this listing from my credit report
Consumer complaint received 2018-02-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

I pulled my credit report and noticed a medical debt had been reported to the credit bureaus. I sent a letter requesting VALIDATION and in return they sent me a bill requesting payment in the amount of {$1200.00} I asked for validation of the account including the services rendered the amount of each service along with my signature releasing the authorization of my personal health information. This is a HIPAA violation.
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

Have written in to XXXX and Equifax concerning invalid items reported on credit report and they refuse to remove non account holding inquires and 3 accounts : XXXX, XXXX XXXX/ XXXX XXXX XXXX XXXXXXXX ( not my account, companies do not have contracts and have been unverified ) and Chapter XXXX bankruptcy the bankruptcy has invalid date reporting and the following inquires were not done by me : 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 XXXXl, XXXX XXXX, XXXX , XXXX , and XXXX
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Have written in to XXXX and XXXX concerning invalid items reported on credit report and they refuse to remove non account holding inquires and 3 accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( not my account, companies do not have contracts and have been unverified ) and Chapter XXXX bankruptcy the bankruptcy has invalid date reporting and the following inquires were not done by me : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , and XXXX
Consumer complaint received 2018-02-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Since XXXX, I got behind my mortgage payments when the loan adjusted to an incredible payment. To my surprise, I had been given a pick a payment loan which I did not have any understanding of this loan. In addition, developed a terrible medical condition and I was not able to continue working I desperately call my lender/servicer Wells Fargo Home Mortgage requesting assistance with my loan to no avail. 
I continued to ask for assistance for a loan modification under the XX/XX/XXXX Settlement between XXXX XXXX XXXX ( who was the Attorney General back then ) and Wells Fargo for the risky adjustable rates mortgage they gave the people of California. I also had been pleaded with Wells Fargo to give me a modification under the ( HAMP ) Making Home Affordable program, I began to fax all requested and repetitive documents to the modification department for several months, I was constantly transferred to different Wells Fargo Home Mortgage representative and agents. I was distress, the anguish they kept denying my request for a modification I was in disbelieve Wells Fargo Home Mortgage made this into a nightmare I continued to plead with them and explained my difficult situation but it has not gotten me anywhere. 

I want to file a complaint against Wells Fargo Home Mortgage for the deceitful, dishonest, lies and corrupt, method with the process of my loan modification and for prolonging the loan modification which I believe I am in title due to the grounds I mention at the beginning
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have too many inquiries that have been affecting my credit and generally way of life to get the simplest credit card. I get denied for everything. Come to find out I dont recognize almost 98 % of those inquiries. 

I asked XXXX  to show me proof of me inquiring for those accounts. I know they cant. But they needed up considering all of them accurate. So I requested proof from them. Waiting to hear back
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.