davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was made aware of a negative account and inquiries today XX/XX/2020 when I was denied from getting a car loan with XXXX XXXX XXXX XXXX. I was denied from getting an auto loan because there is an account with negative payment history on my credit as well as several inquiries ; None of these items belong to me nor did I allow anyone to open this account or make these inquiries on my behalf. I am not affiliated to any of the companies listed on this report nor did I gain anything from this account and inquiries that were made in my name without my permission. I never made any payments or purchases towards this account. I have filed a police report and notified the company regarding this suspicious account.
Consumer complaint received 2016-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Student Services (CA)

Hello -- I was approached to consolidate my federal student loans via a company called studentloanaid.us. They charged me a yearly fee and then managed my student loans for me under a income contingent plan. I now can not reach this company, their website is defunct and they have no functional phone numbers. I have no idea what to do about my outstanding loan. Can you please help me?
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XXXX / XXXX mortgage account on my credit report is still showing open with a balance. account was closed and transferred to another lender which is XXXX. XXXX  account is reporting as correct and accurate. The XXXX / XXXX mortgage account is negatively affecting my debt to income ratio since account is still showing as open. Please update as closed or remove from my credit report. Account was disputed online with equifax  confirmation number XXXX
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Southwest Credit Systems, L.P. (NY)

The account that now appear in my credit report were dispute removed because the accounts have a wrong balance. Now the account appear again in the history, I am willing to pay a part of that balance to clear my credit but I do not consider it fair to pay everything Since that balance is not correct.
Consumer complaint received 2020-03-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CMG MORTGAGE, INC (TX)

Early last year I got divorced, and results of that occured a large loss of income. We were in the process of building a home, we had already invested quit a bit. A month after the divorce the home was ready, and I moved in. And with in a few months from that and all the the financial things that help make a home run smoothly, was getting less and less. I saw my self really needing help. I called my mortage company CMG Mortgage and was told the only way the could help I had to be 90 days behind. I didnt want to be behind thats why i needed help. Well eventually I did get behind and I started a modification apply, over a few months and submitting all the paperwork they asked for. The house went in active for closure, I was so dissatisfied. From submitting papers, to the Underwriters saying my package was completed on a Friday. To the very next Monday Foreclosure. I did everything I was asked. All paperwork was sent in a urgent timely matter. Presently I'm back with the Underwriters again, but I'm {$20000.00} in debt and very sad, nervous, anxious. Because I dont know which way to go. Ive put in complaints and never heard back from anyone from the company.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

A bankruptcy is showing on my Equifax credit report that doesnt belong to me. Im currently in the process of trying to get approved for a home and this is preventing me from doing so. I contacted Equifax directly and they were supposed to be removing this public record as it is a result of a mixed file.
Consumer complaint received 2016-06-21
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY (AZ)

I did not get anything other than the logo that I was promised. 

XXXX/XXXX/XXXX : Press Release XXXX log on info provided ( so I could write my own press releases ) XXXX/XXXX/XXXX : Provided a press release for XXXX which I edited and returned on the same day XXXX/XXXX/XXXX : One article for XXXX ( XXXX Article ) - Problem : the article promotes a watch I do not have for sale on the site XXXX/XXXX/XXXX : Provided the revised version of the Press Release sent XXXX XXXX XXXX/XXXX/XXXX : Provided a second article for the XXXX site XXXX/XXXX/XXXX : Provided a third article for the XXXX site that is promoting the same item the second article had promoted XXXX/XXXX/XXXX : I sent an email requesting clarification with regard to what exactly they were supposed to be providing per our agreement XXXX/XXXX/XXXX : They responded to the above request by directing me to contact their fulfillment department XXXX/XXXX/XXXX : I received XXXX Article # XXXX to which I sent a response asking what I am supposed to be doing with the articles and where the press releases are sent along with the question : do I send them out or do they. I further expressed concern over lack of communication and my inability to contact them by phone ( I have forwarded that correspondence to XXXX office. ) XXXX/XXXX/XXXX : I was provided with the final logo for XXXX XXXX/XXXX/XXXX : I received a response as to why XXXX Articles are important, but not explaining what I was to be doing with them. They also included the fifth XXXX Article. 

XXXX/XXXX/XXXX : I responded to the XXXX XXXX email from them and asked for more clarification XXXX XXXX - XXXX XXXX Multiple back and forth emails attempting to schedule an appointment with no luck.
Consumer complaint received 2023-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (ID)

I am currently in the PSLF program. My loan was transferred to Mohela in XXXX of XXXX. When the loan showed up at Mohela it was missing the months between XX/XX/XXXX and XX/XX/XXXX. 22 months didn't come across. They didn't show up in either the Eligible or Ineligible counts. As of XX/XX/XXXX I am currently at XXXX Eligible payments not counting those missing months. I will be at XXXX Eligible payments once those months appear. I have contacted Mohela multiple times since XXXX of last year trying to get those months to appear so I can apply for the PSLF program. The only answer I'm getting is be patient. They will show up. In XXXX I was on the phone with a specialist for quite some time. He filled out a form for me and stated that would take care of it for sure. 2 weeks ago that form was dismissed as a duplicate request. Nothing was done. No one there can tell me why. I was scheduled to hit my 120 months in the PSLF program one month after my loan transferred. My loan should already be discharged. Please help. Thanks
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (PA)

synchronybank.com synchronybank does retail credit cards i applied for synchronybank car care credit card XXXX times paypalcredit credit card i applied for XXXX  XXXX And all i get is " high risk source of application '' there is no mention of a credit reporting agency i have called there support in the past i get " They know nothing '' " Have no idea. '' " And can not tell me '' What credit agency did they check? i have no idea. they will not tell me. 
How could i fix info in error if they do not say what it is? 
They are unfair and illegally doing credit A check on the internet reveals i am not the only one synchronybank is in violation of THE FAIR CREDIT REPORTING ACT ( FCRA ) [ 15 U.S.C. 1681 ] please take action against them thank you XXXX XXXX
Consumer complaint received 2016-05-15
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XXXX XXXX, I had applied for XXXX XXXX to XXXX, on the XXXX XXXX. For XXXX XXXX, I got charged twice via XXXX transactions for the same XXXX. I called the Vendor and I was assured that there was only transaction recorded. The first transaction ended in error necessitating the second transaction. So for issual of XXXX XXXX XXXX I got charged twice. The vendor issued only XXXX XXXX, but charged me twice. Upon calling the Bank of America a credit in amount of {$61.00} was issued correctly. Now the Bank of America has re-instated the charge of {$61.00} despite the vendor providing only XXXX XXXX but charged twice. The vendor supplied the paper work for charge proving its validity but hid from the Bank that it issued only XXXX XXXX but charged twice. The transaction reference # XXXX. The date of Original transaction is XXXX/XXXX/XXXX and the date of debit is XXXX XXXX, XXXX
Consumer complaint received 2016-01-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (WA)

XXXX XXXX XXXX XXXX XXXX XXXX began a nonjudicial foreclosure on my property based on an declaration by a person named XXXX XXXX who is identified as an " authorized agent '' of PNC. I can not find such a person working for PNC albeit I do find a person by that same name working as a Relationship Banker for XXXX Bank and XXXX in the XXXX area for the past 9 years - not PNC. XXXX : XXXX I brought this to the attention of the NWTS attorney ( XXXX XXXX XXXX who stated in an email to on XXXX/XXXX/16 that he confirmed that XXXX XXXX did work for PNC. However, XXXX XXXX would not provide XXXX XXXX 's contact information and said contact PNC. He would not explain how he confirmed her employment. PNC will not confirm her employment. XXXX ( XXXX XXXX XXXX contact information : XXXXXXXXXXXX
Consumer complaint received 2023-03-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

My loans held by Navient are currently under In-School Deferment. Navient is now saying that I will need to pay the interest on the loans while in school but my loan origination shows that I selected no in school interest payments. Navient is stating that their documents show that I selected in school interest payments when my documents show otherwise. This feels like pencil whipping on navients behalf. I have my original loan documents but Navient refuses to send me the new ones. I am not attaching those documents here but am sending them to my lawyer if we do find that Navient committed fraud in changing the language of a loan document without a clients notification or consent.
Consumer complaint received 2020-03-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAC Financial Corp (OK)

I never received any notification concerning this debt and never even had the opportunity to dispute the validity of this debt. This company is in direct violation of the Fair Credit Reporting Act, I should of been given written notification of this debt and 30 days to respond but was not.
Consumer complaint received 2016-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MA)

I have had XXXX disbursements between XXXX XXXX and Department of Education, now known as Navient. One year I sent in a check for XXXX specific loan which was higher interest. The following month, every other loan took more out of my monthly payment to make up for overpaying the other loan. I have had loans separated into individual groups to ensure the overpayment does not effect the other payments. Why do I have to do this? At least twice after that I was told that everything was all set and payments would continue to withdraw and apply at the same amounts which did not. One time they did not restart the ACH payments for the next month which cost me more money toward interest. I would like CFPB to review my payment history and the number of times the amounts " due '' have changed every time I overpay. Thank you.
Consumer complaint received 2023-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I began the repaying my loans in XXXX, I began teaching in XXXX as well. 

I learned about the PSLF program in XXXX, I was sadly denied because I had the wrong loan type. 
I began paying in XXXX and never missed a month. 

I learned about the Waiver in XXXX of XXXX, I consolidated my loans into Direct loans with XXXX XXXX XXXX and verified my employment. I was well over the 120 payments at this point and was actually making payments during the pause. 

My loans transferred over to Mohela in XXXX, yet I still was never give credit for the payment I have made. 

My loans sat with Mohela with zero movement and no waiver being applied. 

I reached out to Mohela through Chat last week and was told I was denied by accident and they would push my form back through. 

The next day I received a payment tracker showing only 1 payment qualifies and told it will take 90 days for payments to update. 

My loans have beyond satisfied the PSLF program, I never missed a payment for 19years, yet my paperwork was lost and not applied.
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NM)

I enrolled in XXXX through my credit card company ( XXXX, XXXX XXXX XXXX JP Morgan Chase XXXX XXXX The XXXX did not trigger at the end of the payment period and thus there was a large balance on my account. As a result, my credit score dropped significantly. When I called JP Morgan Chase, I was told that they did not automatically pay the balance because, at some point during the pay period, I had chosen to make a payment on my account ( to minimize my balance... .like a person trying to maintain good credit ). 

This is false advertising. If XXXX enrolls in XXXX XXXX, you do so because you expect that the company will not let you take hits to your credit like this for unpaid balance. 

When I called the company, they seemed disinterested in this being an issue. As a result of this issue, my credit is worse and I'm having to dispute this through the credit bureaus.
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (MD)

Well Fargo is fraudulently working with people to use ATM card. Well Fargo claims that I used my ATM card on XX/XX/22. Well Fargo did a shady investigation and refused to refund back my money
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Experian credit report shows in my public records a bankruptcy chapter XXXX discharged date filed XXXX and a bankruptcy chapter XXXX petition filed date filed XXXX. I call Experian customer services but get no one the IVR just skip through questions and hang up. I emailed customer services also they emailed me back saying call customer services.
Consumer complaint received 2016-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (IN)

I am experiencing financial hardship and I have taken steps with Navient to try to remedy the situation, but they continue to call my cellphone about 9 times a day from XXXX or XXXX different numbers. This has been happening for the last ten weeks, at least.
Consumer complaint received 2022-03-18
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. (PA)

CFPB Write up In accordance with the Fair Credit Reporting act XXXX  XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX  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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2016-08-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (TX)

I wanted to get my over draft fees waived. I was charged for a hotel I went to 3 weeks later. I told them it was n't my fault I had charged that card 3 weeks ago and I had money then why should I get an overdraft fee now.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

The tradeline for Synchrony bank shows that the status is included in XXXX  XXXX Bankruptcy, and this is a complete LIE, that i tried to resolve by going through XXXX, and the results of my complaint came back with no change. This status IS NOT POSSIBLE!!!!!!! ..I declared bankruptcy on XX/XX/XXXX, and didnt even OPEN THIS ACCOUNT until XXXX,. The tradeline, in remarks even says for last update is XXXX, WHICH AGAIN IS NOT POSSIBLE, AS I HADNT OPENED THE ACCOUNT YET. This time either you delete the lie you perpetrated, OR WE ARE GOING TO COURT.
Consumer complaint received 2016-02-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MN)

Sears/Citibank is reporting a balance on a paid account ; I have disputed this account both with the XXXX major credit reporting agencies ( XXXX, XXXX, XXXX ) and directly with Sears/Citibank and the account is still reporting incorrectly ; I 've attached credit reports showing that the account is reporting correctly with a XXXX balance on XXXX of the XXXX credit reporting agencies but with a balance of {$6500.00} on the third ; the first credit report shows the balance reporting on XXXX, but after disputing directly with Sears, the XXXX credit report shows that the balance of {$6500.00} is now reporting on XXXX and not XXXX, a clear indication that Sears 's internal records are absolutely messed up ; this account should be reporting a balance of {$0.00} on all XXXX credit reporting agencies.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (AZ)

I filed XXXX debit card disputes with PNC on XX/XX/XXXX and XX/XX/XXXX due to issues with merchants not applying refunds/credit not received after cancellation. PNC did not give me a temporary credit to my account for either claim, so I reached out to have it expedited due to family emergency/hardship situation Im dealing with. PNC support does not allow me to speak directly to the disputes department when I call. Even after finding a direct phone number, I was routed to regular customer service as they dont deal with customers. The customer service representatives are not knowledgable about the claims process and cant give any direct updates about the cases- they call over to the disputes department that Im unable to be directly transferred to. The first customer service agent I spoke to informed me the expedite was denied directly by the disputes department after calling over. Customer service agent XXXX also informed me that due to the nature of the dispute being a merchant dispute for a refund not received, it doesnt qualify for a temporary credit at all and it cant be expedited. I was told to wait 45 days for the dispute to be resolved or work it out with the merchant, which is against Regulation E. The regulation requires all financial institutions in the US to provide a temporary credit if the dispute is not resolved within XXXX business days, regardless of the dispute reason, as long as the transaction was made with a debit card its covered. I have sent all of the the required documentation to win these disputes ( email screenshots from the merchants confirming cancellation of order, refund is owed ). PNC needs to issue my temporary credit or resolve this dispute in my favor within the XXXX business day time frame of these claims being opened.
Consumer complaint received 2022-03-18
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. (GA)

I have filed a dispute in regards to the incorrect items on my report. It has been well over 30 days and I haven't received investigation results. 

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Consumer complaint received 2022-03-18
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. (MS)

On XX/XX/2022 I 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. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-18
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. (NC)

On XX/XX/2022 I 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. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.