davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (KY)

I called a little over a year ago to release my cosigner. I met all the requirements needed but was still denied. I called again on Monday, XX/XX/XXXX to request a forbearance. It's been the only option they have offered me. I have used all of my forbearance allowances at the time. I make {$17000.00} a year and my payments are now $ XXXX/month. They refuse to lower my payments based on income or release my cosigner. I've made payments on time for years and they still refuse to work with me in anyway. The majority of my payment is going towards interests, with barely anything going towards the principal amount owed. They're putting me into poverty and not batting an eye.
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

You need to get this XXXX off immediately as it is NOT COMPLIANT ... This is illegal and improper reporting of information, delete without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX
Consumer complaint received 2021-06-22
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: ALLY FINANCIAL INC. (NC)

I have had credit cards and installment loans, that are still opened, deleted off my credit reports. A Government Employee is the one that is tampering with my credit reports. 

This incident began in XXXX of XXXX and is still ongoing. 

My address is incorrect and my employment information was incorrect from XX/XX/XXXX until XXXX of XXXX. 

The XXXX County XXXX in XXXX, NC is the responsible party. 

The only Credit Reporting Agency that has all my opened accounts is XXXX, however the balances are incorrect. 

Also, lines of credit and amounts owed were also Tampered with to lower my credit scores with all 3 Credit Reporting Agencies.
Consumer complaint received 2021-08-10
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: EQUIFAX, INC. (NY)

MY CREDIT REPORT WAS RAN WITHOUT MY KNOWLEDGE OR CONSENT. I AM A VICTIM OF IDENTITY FRAUD. 

INQUIRIES : XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-17
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. (NY)

I was denied as a co signer on a student loan for my daughter by discover student loans. I had previously been accepted but the dates needed to be changed so when it was re processed I was told I couldnt co- sign because Equifax reported a past or present delinquent account. I was finally able to get in touch with Equifax, a worker who would only identify himself as XXXX went over my report and stated it was a mistake and to tell XXXX to contact their customer service # and it would be taken care of. Nothing they did two more checks and I was denied both times. All that contacting Equifax did was further damage my credit. Can you please tell me what I can do. Equifax is extremely difficult to contact.
Consumer complaint received 2019-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (MN)

On XX/XX/2019 at approx. XXXX CST I spole with XXXX XXXX, a representative with US Bank. I was inquiring about the US Bank Visa Signature Rewards credit card. Card holders are allowed to choose two categories in which the cash back rewards for the quarter are 5%. The online information indicated "groceries" was one such category. I asked Ms. XXXX  if I could choose groceries every quarter, and she replied in the affirmative. I asked if there was a cap on the rewards, and she  replied that there is not.Wanting to further make sure that the card would meet the needs of my family, I asked (paraphrasing) "What if i charge $XXXX on groceries every month, would I get 5% back on the entire $XXXX in charges?" Ms. XXXX again replied in the affirmative.    Today, upon receipt of the credit cards (one in my name, one in  my wife's name), I went on line to choose "groceries" as one of my two 5% back categories. I was shocked to see that if i choose "groceries" that I would only receive 2% back!!!I called the US Bank phone number today, XX/XX/XXXX at approx. XXXX   XXXX CST. The first rep I spoke with said there was nothing that could be done. I asked to speak to her supervisor. I was connected with and spoke to, XXXX, also told me there was nothing to be done. I asked to speak with XXXX supervisor, and he told me that a manager will call me within 24 hours.A representative of US Bank lied to me. Believing the rep, Ms. XXXX, I went ahead and applied for the card. This was a hard inquiry on credit file, and impacted my FICO score.
Consumer complaint received 2020-12-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NJ LENDERS CORP (NJ)

NJ LENDERS has been requested to provide me a copy of my original XXXX purchase XXXX XXXX XXXX XXXX mortgage that NJ LENDERS claims to have paid off at the XXXX refinance. There is no record of satisfying the mortgage, no release of XXXX and no discharge. The attachment includes actual payment records made for the mortgage labeled " MORTGAGE PAYMENT CHECKPAYMT '' of my checking account. All the other payees were listed by name and with the front and back of the check shown on my statement. NONE were returned even though they were paid. In addition the notice of settlement filed by closing attorney XXXX " Bag of Donuts '' XXXX references a NON EXISTANT address of XXXX XXXX XXXX XXXX, N.J. The LOT & BLOCK were changed about the same time the sellers bought the property. The Affidavit of Title and IRS documents that were signed by the sellers list XXXX XXXX XXXX XXXX, N.J. as the property being sold. 

I have requested NJ LENDERS for information that they should have on hand if they actually paid of my original XXXX purchase XXXX XXXX XXXX XXXX  mortgage at the XXXX refinancing. The XXXX  information is also included. I will get this to a layer but have been unable to do son because my phone calls are being intercepted. Once the COVID issue allows the opening of businesses again I will make an appoint in person. For now I will keep trying on the phone but I keep getting stonewalled.
Consumer complaint received 2021-03-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL (CT)

Synchrony Bank, who handles Paypal Credit, has over the past 4-6 months been taken to the XXXX  concerning errors in billing in statement. They have continued to make corrections but this has gone on for too long. They automatically get a payment from my checking account each month however this month they did not. When I went to check the website to make sure the auto payment had been taken, they had flagged an alert letting me know " I '' had not made a payment on XXXX XXXX. I called on XX/XX/2021 and addressed it. The interest fee and late fee along with payment is not my error but theirs. Why? They do auto pay for 12 months on purchase made at ebay. At the current time there are other disputed charges. I have kept documents concerning charges and they have yet to fully resolve all disputes. I had told them I would continue to escalate this matter if necessary. After them not having did the auto pay for XXXX, I am now questioning their integrity as a Financial Institute in serving the public. The Small Claims Court encourages complaints to be made to the Business and at this time I am now taking the complaint to you.
Consumer complaint received 2021-08-10
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 (TX)

Hi. I would like for PayPal to please fully review my account. I am in desperate need of the funds in my account and I have tried everything I can to prove to PayPal that the funds received are legitimate. I understand that PayPal is stating that they are holding funds due to them seeing I was a resident of XXXX. I have uploaded all the documents that I have available to prove that XXXX  benefits were due to me as well as the XXXX  benefits. I will re-upload all the documents I have submitted prior but I really pray that PayPal offers a one time exception or an explanation as to what additional information they need to open my account. I am behind months on bills due to this and I am unable to continue to build my businesses during this time. I am also facing an eviction because of this situation. The original 180 date was supposed to end in XXXX but now PayPal is saying the 180 days is over in XXXX. If PayPal is unable to release funds, I am asking if PayPal sticks to the original 180 day hold and release them accordingly in XXXX. 

Please PayPal act in good faith and release my funds.
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

Mr Cooper withdrew my mortgage payment 3 times which is NOT even due without my authorization. I am now left with a negative account and no money to even buy groceries for my family. I have called every single day and get the same response and apology and they keep saying that the issue will be resolved. Ive called my XXXX XXXX and they say they cant do anything to stop the transactions and that Mr Cooper has to reverse the payments. Im in complete panic because I have zero money and dont know when Ill get my money back. My bank has assured me that nobody has been in contact with them regarding the unauthorized transactions. Mr. Cooper is lying to us every time we call saying they are handling the issue. I need my money back immediately!!
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

I filed for divorce from my ex-husband back in XXXX. During that time, the house that we shared was awarded to me in the divorce. I now have to get my ex 's name off of the current loan that we hold for the house. The loan is through a company called LoanCare. I contacted LoanCare in XXXX of XXXX to see if it was possible to refinance through them to remove my ex from the loan. I was told that they did not do XXXX 's, but that I could do a loan modification and it would remove him from the loan. I was told by LoanCare that I had to let me loan go 30 days late in order to do a loan mod. I was extremely hesitant to do that since I have never paid my mortgage late. I was told it was the only way I could get my ex 's name off of the loan. Reluctantly, I agreed. I was sent paperwork to start a loan mod in XXXX. I was told BOTH my ex and I had to fill it out. So, my ex husband filled out his portion and I filled out mine and sent it in. A couple weeks later, we were denied for the loan mod. When asked why, I was told that my ex could not be on the paperwork and that they sent the wrong paperwork by mistake and that they would send me the correct paperwork. I asked if I should make XXXX 's payment and I was told no because my mortgage had to stay in a delinquent status. Again, more paperwork was sent to me and I filled that out by myself and sent it in. Again, I was denied. I was told that I didn't qualify with just my income. They told me they would send out a THIRD set of forms for me to fill out, but this time to add my current husband to it and then I'd be approved. We are now in XXXX and AGAIN, I asked if I should make a payment and AGAIN told no. By the time the third set of paperwork was sent to me, Covid-19 hits us and I am told that they are no longer doing loan mods and that they're going to put me into a forbearance plan. I've been on a forbearance with my mortgage since XXXX and I recently received a copy of my credit report showing that they've not only reported XXXX and XXXX 's payments as late, even though I was working with them to do the loan mod, but they've reported XXXX 's as late as well. I sent in a request for removal to all three credit bureaus and only XXXX 's late was removed from my credit. All of the lates should have been removed. Due to the CARES Act, it is illegal to report any loan as late to your credit if it is in a forbearance during this time. I have tried for MONTHS to get LoanCare to work with me on this to remove these lates, to help me get out of this current loan with my ex-husband, to help me with ANYTHING to help my situation. They refuse. Due to this, my ex-husband is now taking me to court to get his name off of this house. I need help to get these lates off of my credit.
Consumer complaint received 2020-10-23
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. (CA)

I have previously disputed a debt fraudulently reported in my credit reports in an attempt to extort money from me. I provided supporting information, and XXXX  only notated my credit report stating I dispute the charges. I don't want a remark on my credit reports ; I need the matter fixed. XXXX XXXX XXXX ignored my disputes and reported this fraudulent debt to my credit report. I sent certified mail letters to them, disputing and stating the facts. They never answered my letters. Now I am having financial problems due to the pandemic of the Covid-19. I have lost my employment, and no one wants to loan me money due to this reporting on my credit reports. Please, I am pleading for you to review the letters I have sent to them in the past where I disputed, and they still reported these fraudulent charges to my credit report.
Consumer complaint received 2019-03-29
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. (NJ)

EquifaxandXXXXissupportingXXXXXXXXonleavingabusinessaccountonmypersonalcreditreport.IdisputedsomanytimeswiththemandunfortunatelytheyrefusetotakeitoffbyallowingXXXXXXXXtosayforthemtokeepitthere.Pleasehelpme,mybusinessnamewasXXXXXXXXXXXXXXXXandunfortunatelyitisnotinbusinessanymorebecauseitdidn'tbringenoughrevenue.Thankyou!!!XXXXXXXX.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (LA)

I contacted Ally Financial at XXXX on XX/XX/XXXX inquiring about an extension on my loan so that I may be able to get the account current. I was informed that I must pay XXXX to be awarded an extension and my next payment of XXXX would be due XX/XX/XXXX. This would give me an extension for XXXX and XXXX payments and put my account current for XXXX. I was given confirmation # XXXX On XX/XX/XXXX XXXX XXXX POS XXXX was debited from my bank account to pay the required XXXX ( XXXX processing fee ) for the extension. 
XX/XX/XXXX Ally Financial Online payment was debited from my bank account XX/XX/XXXX Ally Financial Online payment was debited from my bank account My financial institution was bought out, so I am having trouble located the XXXX and XXXX payments. I can find this information if requested. 
My credit report shows me 60 days past due for XX/XX/XXXX and 30 days past due for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. According to the phone call and payments that I made these payments should be marked as on time.
Consumer complaint received 2020-12-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TN)

Debt was paid in full, at time of service. Received another notification of balance, via postal service, paid in full again at that time. Made attempts to verify debt with medical provider, which went unanswered. Debt sent to collections, which was disputed to no avail. Date of original debt would not be possible due to relocation of residency. Collections still attempting to collect on this debt. Willing to pay a third time, but still dispute this debt and feel it would remain unresolved.
Consumer complaint received 2018-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Neon Newco Corporation (OR)

I have had an account with XXXX ( Net Spend ) for over 5 years I have my SS and pension benefits auto deposited, of XXXX.I put my son on the account, when he went to get a new Drivers License they they would only issue it with the name on his Birth Certificate which is XXXX, I went on line to order him a new card in XXXX XXXX instead of XXXX, sent them all his legal Documents, they sent a new one in XXXX, On my records from my acct it said new card XXXX XXXX PENDING it was never activated nor used, I tried 3x's.This year when my son had his tax 's done they put them in my acct I recieved a text message saying there was a problem with a deposit, I called them and resent all his legal papers stating he was a Shull, I told them that prior to this I tried getting a card in his name but nothing ever showed up, Well the IRS, and Social Security also told XXXX XXXX there was No Fraud , I had a very rude supervisior that insisted it was fraud and they closed my acct, I was told that only my son would be taken off well they shut me down and said they were sending me a check. so all my debits and auto deposits are being returned.This is such an injustice I'm beyond upset!
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (AR)

We had entered into debt consolidation with XXXX XXXX and Synchrony Bank agreed to a settled payment. In XX/XX/2019, we sold our house and found that Synchrony Bank had placed a lien on our home. To head off any additional problems, we paid them off and they were supposed to issue a release on the lien. We closed on our house onXX/XX/2019 with the Title company paying off this debt. It is now XX/XX/2019and they still haven't released this lien! We recently purchased some land and this is now going to hold up this closing just like they almost did back in XXXX. We feel no other recourse at this point but to sue them in XXXX county Arkansas court to have this lien removed as well as for all Attorney fees. Throughout this entire ordeal, Synchrony Bank has been rude, condescending and unhelpful. Even the Title company has commented multiple times that they had dealt with this same issue many times before with no issues, but this is the first time they have ever dealt with a bank that seemed dead set on being as difficult as possible. They even acted like they didn't want to be paid off! Steer clear of ever doinf business with this company!
Consumer complaint received 2021-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 at around XXXX, XXXX XXXX was on a call with what he now knows is a scammer named XXXX, from XXXX. We were trying to buy XXXX tickets and he claimed to be a season ticket holder. He provided us with proof of his account with the name XXXX from XXXX that proved he was a seasons ticket holder. We can provide the picture that was sent to us during the 20 minute call. We sent a payment to their XXXX account with the name registered as XXXX and the phone number as XXXX. The total we sent was {$700.00} and XXXX claimed not to receive it, in order to have us send another payment. At that point I knew it was a scam. We reported it to XXXX and Chase the very next morning when we discovered that the whole thing was a scam. We placed a claim, with the two mentioned corporations, and neither could place any red flag on this XXXX registered account SCAMMER. The scammer XXXX, is taking money from people as we write this. We have a group of friends that are contacting their same number XXXX XXXX XXXX XXXX on XXXX, PRETENDING to be potential bait for XXXX. Chase and XXXX are not able to do anything about stopping the registered scammer and someone needs to stop them. Please help us stop this scammer that is still out scamming. We sent three XXXX requests for the {$700.00} to be paid back to us. Two were declined and one is still pending, yet we hope to get our money back.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have two inquiries on my credit report that I did not authorize. 
I filed a ftc complaint for fraud per the suggestion of the credit bureau. ( FTC Report number : XXXX ) I disputed the inquiries to Equifax along with the documentation I received results from the credit report both inquiries were removed in report file # XXXX. 

I sent another dispute to the credit bureau XX/XX/21 with the copy of the results the inquiries showed deleted. 

I received the results today XX/XX/21 the inquiries are factual. 

This is in violation of the credit report act- reporting inaccurate information
Consumer complaint received 2018-02-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC ()

I had an original XXXX XXXX XXXX Loan for my primary residence that subsequently serviced by several loan servicers. During the 2008 recession and financial and housing crisis my mortgage became insolvent and thus I applied for a HAMP and TARP loan under the direction that I would be able to get relief. I was wrongfully denied a loan modification and have since been in litigation with the loan servicer for the past several years. Per TARP, HAMP and Federal Law. This was not supposed to affect my credit but however my loan servicer still reports this as a derogatory mark not only damaging my personal credit but my livelihood as well. They have also subsequently taken payments from me during a trial modification period. I made all payments timely and with good faith and was denied once again. They pursued the foreclosure breaking HAMP and TARP requrements. We have had a written settlement agreement that they have refused to honor. They did not act in good faith and I am pleading for relief.