davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (FL)

I am a cosigner on a student loan. I recently had a major change for a delinquency on my credit score for the loan. I have not received any type of correspondence regarding loan payments, late payments or anything regarding this loan. I am curious as to why my credit has changed without any communication as to what is needed to correct anything late on the loan. The last communication which was several months ago from them was through a phone call after they left a voice mail. I responded back to them and explained I no longer have a relationship with the borrower but will make contact to ensure the payment is made. I have not heard anything since then from them including mail correspondence which I have received in the past. I would like to file a complaint as this has negatively affected my credit without any attempt to alert me of the situation.
Consumer complaint received 2020-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was contacted by a company called XXXX XXXX via text message in XX/XX/2020 to sign up for a XXXX  XXXX  XXXX. I completed a form & received a provisional assignment in the mail on XX/XX/2020 that contained a cashiers check, which I cashed at Bank of America on XX/XX/2020. I was instructed to cash the check & go to a store to purchase two {$500.00} XXXX  gift cards & {$45.00} worth of groceries. I was then instructed to go to a second store & purchase two more {$500.00} XXXX  gift cards. I was told to take {$290.00} out in commission & keep the remaining {$26.00} for my second assignment. After completing my purchases I was told to send an evaluation of each store with receipt & gift card images. On XX/XX/XXXX I noticed a debit hold on my account for the amount of the check. On XX/XX/XXXX, the check amount was withdrawn from my account. I called Bank of America on XX/XX/XXXX to file a claim & ask to have my money returned to me so that I could set up a payment plan. I was told nothing could be done.
Consumer complaint received 2021-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

Shellpoint Mortgage company XXXX XXXX XXXX XXXX XXXX OH XXXX Outstanding Principal {$37000.00} Interest Rate 5.9900 % Prepay Penalty None Property address : XXXX XXXX XXXX XXXX, Texas XXXX Start date : Year 2006 Account # : XXXX Loan Amt : {$35000.00} Still Owe : {$37000.00} How many years do you pay to get the balance down instead of going up. 

Reporting to Credit Bureau Late 21 times when you have 15 days before you are late ... That was several years ago. They are still reporting late charges.
Consumer complaint received 2020-10-24
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (TX)

I have sent Sallie Mae a dispute every month from XX/XX/XXXX to XX/XX/XXXX and the Debt that I allegedly Owe has yet to be verified and is still being incorrectly reported. When I called to try and resolve this allegedly debt I was informed that they no longer own the debt and it has been sold. Sallie Mae has been reporting this debt late every month since it has been in a Charged off status. This account has also been accruing interest since being in a charged off status and the balance is constantly increasing. Please remove this account from all three credit bureaus as this information is incorrect and illegal and Sallie Mae has not followed the law.
Consumer complaint received 2021-03-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (CT)

This is my second time making a complaint. I was in the process of reporting this issue to the Federal Trade commission and i was redirected to this page. According to the fair credit reporting act this inaccurate inquiry must be removed from my XXXX  and XXXX  account and not just closed. this item is Derogatory and is negatively impacting my credit score. It was Already removed Fully from my XXXX  account. This item was opened onXX/XX/2020 for the amount of {$21000.00}.
Consumer complaint received 2020-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (CO)

Had contacted agency XXXX Numerous times verbally told by customer service agents electronically that i had a 0 % interest rate for 12 months now am being told is XXXX out of the blue and they are going to do nothing about it
Consumer complaint received 2021-09-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am in the process of refinancing my home mortgage and had paid for an appraisal with Bank of America. I have decided to use another mortgage lender, but the Bank of America loan officer, XXXX XXXX, XXXX XXXX, has refused to transfer the appraisal that I paid for to my new lender.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Subject : Urgent Matter - Identity Theft and Credit Profile Concerns Dear Credit Reporting Agency, I am XXXX XXXX, and I find myself in a distressing situation that requires immediate attention. My identity has been compromised, leading to significant damage to my credit profile. Despite seeking help repeatedly, my efforts have not yielded the resolution I desperately need. 

I am writing to address the unauthorized use of my social security number and card, which has resulted in accounts being opened without my consent. I want to emphasize that I did not authorize these accounts, nor do they have any connection to my actions. This situation is particularly alarming as it not only affects me but also jeopardizes the well-being of my children and my livelihood. 

I kindly request that you promptly remove this damaging information from my credit file within four days of receiving this letter, in accordance with 15 U.S. Code 1681c2. 

Furthermore, as a consumer, I am entitled to know the steps your agency has taken to ensure the accuracy of these items, as outlined in 15 U.S.C. 1681i ( 7 ). I request a thorough description of the verification process, including the business name and address of any furnisher of information contacted, along with their telephone number if reasonably available. Please provide this information within 15 days of receiving my request.

I urge you to take immediate action to rectify this situation by removing all unauthorized accounts and inquires associated with my name. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

After paying off not 1 but all my credit cards with synchrony. All my accounts were closed due to the inability to pay them. It makes no sense and the corporate offices don't understand either. 

They claim my credit report has no bearing on it and there is nothing negative about my accounts. 

I asked to re-open some but perhaps close some I do not use that often. 

Today I was notified by my credit reporting monitoring that synchrony has placed some accounts in status of closed/steeled or paid for less when I paid them in full. 

This is for the XXXX XXXX which had a XXXX limit, last month they increased it to XXXX and after it was paid to zero closed the account.
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Not a duplicate - please consider this a NEW complaint. 

This is the fourth time Ive written to you regarding Experian. The company failed to properly reinvestigate the XXXX  account. My first dispute with them was on XX/XX/2020. Today is XX/XX/2020 and theyre are still reporting inaccurately for the account and have the dispute sitting in progress. They have had 7 opportunities to correct the report and yet every time I dispute they leave the same information reporting. They need to be held accountable. 

I have asked for documentation from the data furnisher XXXX XXXX XXXX on the unauthorized charge. However, they have not provided nor can I get ahold of them because mail is returned and phone is non working. 

Specifically, Experian has violated my rights under Article FCRA section 611 ( 15 U.S.C. section 1681I ). 

XXXX and Experian has violated my rights under FCRA Article-sections 611 : 1 thru 5. 616 : a thru d. 617 a thru b. 623 ( a ) 1 thru 2. 623 ( a ) 1 A thru E and 623 b. Furthermore, they violated 1022.43,  as they failed to correct the inaccuracies or provide documentation to my request. 

I asked for an itemized statement of charges, proof of authorization and communication documentation but have not received. 

This is getting to be a big headache and in the mean time my credit is suffering. They need to be held accountable for their lack of following the law!
Consumer complaint received 2018-07-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

I am reaching out to you in regards to accounting issues with Resurgent Capital Services. The monthly balance on the account that this debt collector is trying to collect is inflated. I have tried to address this issue repeatedly but to no avail. My account used to be with XXXX XXXX XXXX. Upon transfer to Resurgent Capital Services an outstanding balance was in the amount of {$4600.00}. My monthly payments are in the amount of {$100.00}. Account transfer has occurred in the month of XXXX, 2018. Till present day I did not miss a single payment on the account ( have copies of all receipts with the postal service and money order slips ). However, Resurgent Capital Services is trying to overcharge me additional {$270.00}. According to my repayment agreement, I am not supposed to have any additional fess. Initial balance was in the amount of {$5500.00}, downpayment {$500.00} and monthly payments of {$100.00}.
Consumer complaint received 2018-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OH)

XXXX XXXX, I could not access my account at XXXX XXXX to make a payment. I contacted Customer Service ( CS ) and reported inability to access account and they informed me that a payment had been made leaving my account in a credit balance. I informed them that I had not made that payment and close the account immediately. Gave them my information and was told fraud investigation was being initiated. I later found out that XXXX XXXX accepted the payment which cleared and they opened another account and crooks had access to my account. After many calls, I was finally given a password in XXXX by CS who was sensitive to my aggravation. After that I was in contact with Mrs. XXXX who told me she was sorry and I told her I had not been able to access my account and I was receiving correspondence via email of the changes on my account and they ghad been sending my cards to persons in Fla. No one bothered to close the accounbt in XXXX. Crooks had access to my account, got credit increases and the whole personality of my account changed as I later found out via Mrs. XXXX butr XXXX XXXX kept changing cards and mailing them to everyone but me. My initial credit card was in my possession during these times. XXXX XXXX cleared off some interest and charges but told me I was responsible for XXXX. They accepted the funds received from crooks and yet they were charging me. They got over like a fat rat and I am not paying. I filed a police report on XXXX XXXX after speaking with XXXX XXXX. Report # XXXX XXXX, Ohio police dept. This is a hot mess and I am XXXX years old and now theyt charged off account and gave to collection agency. I told collection agency take me to court and I got all the info for the judge and I am not paying a XXXX dime - ever!
Consumer complaint received 2018-10-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CT)

I'm going to lose my home. My Mother passed away from XXXX XXXX last XXXX. Her name was on the checking accounts, debit cards etc. Her name was on the mortgage. I was unemployed as I was taking care of her. Now, I'm going through Probate Court. I was supposed to put a notice in the paper about for her creditors but I couldn't afford to put it in the paper as I had other expenses and bills and obligations to take care of. 
I do have a part time job that I started a few months ago. The thing is I can't afford these mortgage payments. In fact, I haven't paid the mortgage in about 9 months. I just couldn't afford it. They know this is as I have been corresponding with them for the past 9 months about this. They said that they can't really help me because I'm not on the Mortgage Account. 
Now, I have been going through this throughout the year. In XXXX, I was named XXXX of My Mother 's Estate. Also, I think it was in XXXX, I spoke to somebody from The IRS because My Mother had to pay almost XXXX dollars to The IRS but she had passed away by then and I couldn't afford it. They told me to call them in XXXX to get an extension, I think. I think it was for an extension. Today, I called my Mortgage Company and told me that I have to fill out and fax a Mortgage Assistance Application. 

The bank is suing me, The IRS and The Probate Court. I've never been sued so I believe that is right. I just don't know what my next option is. I would have paid the mortgage on time if I had the money. I just haven't had the money and not only that but I have had no where to go. Also, I have a Severe XXXX Illness that I'm trying handle but this doesn't help. Can somebody please help me? I'm very worried and very scared.
Consumer complaint received 2018-07-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (OH)

I've been paying the mortgage to my house which was Deeded to me for over 27 years and I have been only person communicating with PNC Mortgage who had been aware of this situation for over 25 years. MY first complaint that I would like to report concerning the PNC Mortgage is they informed me that I was behind one month in my mortgage in 2017, therefore I asked if they could provide me with the month and date that I supposed to have missed payment. PNC Mortgage provided me the information with the check number and date as they identified as the missing payment. I submitted back to PNC proof of payment along with the check number that it was paid and pointed out their mistake and they still refused to correct the issue and credit my account. PNC Mortgage continue to let by account accumulate late charges for years. Now I'm experience a hardship situation from being laid off my job in and after receiving help from the Save the Dream Mortgage Assistant program. PNC agreed to receive payment of 9 months for me from Save the Dream and did so. Now the months have ended and I'm was receiving unemployment the are refusing to work with me. My house was purchased with XXXX family member on the original loan, however XXXX people are decreased and the XXXX remaining living family member has never lived at the address and has no interested in the property. I submitted all documentation PNC Mortgage has asked me for and they still continue to giving the the run around and straight answer. Please if you would look into this matter and let me know if I could keep my house as I as wish to due.
Consumer complaint received 2017-09-20
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. (TX)

This information is incorrectly reporting on my credit reports. These items were previously deleted as I am no longer responsible for them and they reappeared on my credit reports, which is negatively affecting me UNDER A DIFFERENT COLLECTION AGENCY. THESE ARE MEDICAL BILLS AND THEY ARE IN VIOLATION OF HIPPA. THESE ACCOUNTS PREVIOUSLY WERE REPORTED UNDER GREATER XXXX EMERGENCY. 

XXXX XXXX {$270.00} XXXX XXXX  {$350.00} XXXX XXXX {$420.00}
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

On XX/XX/2021, on my Paypal account, I received {$210.00} payment for the digital Item I am selling. Since my account is considered new for the first time payment received, I've waited for the 60 days holding period of my balance. I am not able to withdraw my money. Then, after that 60 days, I am still not able to withdraw my money in paypal. I sent the competed proof that transaction was completed and the buyer did not file a complaint for my sold digital Items and would not cause any chargeback to Paypal, but the Paypal permanently limit my account for 180 days. Please note that this time of pandemic a single cent is very important and I badly needed my hard earned money, that I think paypal should not hold it for another 180 days. 

Appreciate your help on this as really need to those money to pay may house rental.
Consumer complaint received 2018-06-14
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. (MI)

On XX/XX/2018 I purchased my Credit Report and FICO from XXXX. The report reflected all my accounts current but extensive unauthorized chagres reflecting usage of credit I did not use, as a result of Identity Theft. I notified the supervisor of the Fraud and Security Unity of XXXX  on XX/XX/2018, who advised if I made a police report and sent it by facsimilie to XXXX, they would issue a revised current report and new FiCO and remove all the unouthorized requests for my credit report. I specifically asked my crditors to notify XXXX, they did and there has not been a new report and FICO report reflecting my actual use of my credit and removing the unauthorized requests for my credit.
Consumer complaint received 2017-05-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

I filed bankruptacy XXXX XXXX XXXX ; # XXXX due to faud from XXXX XXXX XXXX in Fl. They cashed XXXX checks made out to XXXX XXXX group. I presented the copies. XXXX was going to " help me save your home due to the Obama help women save their home program ''. They never sent my payments to OCWEN : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX # XXXX. I was so excited to save {$400.00} a month on my mortgage that I gave the information to XXXX XXXX, XXXX, CO. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX did the SAME thing to her. However, her loan is with XXXX XXXX, and it has been fixed. She had a nasty divorce. I am a widow. XXXX is taking advantage of women! Ocwen said I owed them XXXX in XXXX. I hired XXXX {$4300.00} to help me. I have made 12 payments ON TIME and my XXXX payments ON TIME. Ocwen returned my XXXX payment saying I was LATE in XXXX They cashed my on time XXXX payment.. I visited XXXX, sent Ocwen {$2000.00} for XXXX and {$2000.00} for XXXX. I called them with a witness. They want {$72000.00}. or want to auction my home!! WHY?? PLEASE HELP. My XXXX yr old mother lives with me ... ..I filed social security EARLY JUST TO SAVE MY HOME. The rest of my life this XXXX XXXX Veteran widow will get {$450.00} less because of OCWEN.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WI)

We placed a freeze on our credit reports with all three credit reporting firms ( Experian, XXXX, and XXXX following the hack in 2018. We now want to temporarily lift the freeze. I recorded all the relevant information, including the provided PINs when we placed the freezes. We encountered no issues with XXXX or XXXX, but have been unable to lift the freeze with Experian, despite multiple attempts both online and via telephone. Each attempt results in a " we are unable to process this request '' and instructions to mail a variety of confidential documents to their offices in Texas. Despite multiple searches, it is impossible to contact the company -- they refuse to provide any electronic or phone contact information. 
Of the three credit reporting services, Experian was the only one that required payment to place the freeze, and they are now making it ridiculously difficult to lift that freeze, which is directly counter to all their advertisements. I am an intelligent, competent, computer-literate consumer. I find it ridiculous that this consumer-hostile, uncommunicative company can hold my personal financial information hostage. I assume this is a scam to convince me to create an account with their company. Such extortion is unnacceptable.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I want to refile this please as my formal complaint to EXPERIAN for still allowing the fraudulent accounts on my credit report. I filed an identity theft with the FTC XXXX XXXX XXXX. As I rechecked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports but they seems to neglect the responsibilities to provide accurate information to my credit report.