davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (DE)

I have disputed with company on XX/XX/XXXX. The company received my dispute on XX/XX/XXXX. Instead of sending validation of the debt they file a complaint on XX/XX/XXXX and then voluntarily dismissed on XX/XX/XXXX but did not remove debt from my credit reporting agencies and or verifying debt. They have sent me another request to pay with out verification of the debt. The FCRA gives a company 30 days to respond and I still have not gotten a response.
Consumer complaint received 2022-06-16
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. (FL)

Account Name : XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (IL)

I reached out to Navy Federal Credit union back on XX/XX/2022 explaining how someone got access to my ssn and date of birth due to losing my wallet with all my personal information such as my drivers license and social security card. I have sent in a police report along with a FTC report to show proof of myself being a victim of identity theft.
Consumer complaint received 2022-06-16
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am XXXX XXXX  and have just had a XXXX  XXXX XXXX. Several of my creditors agreed under compassionate terms via phone that any derogatory statements on all of my credit reports would be removed and reported as paid in full. 

In accordance with the fair credit reporting act the following creditors agreed to the above statement. In accordance with the fair credit reporting act and XXXX Accounts below, have violated my rights. 

Capital One : All accounts, beginning with : XXXX, XXXX, XXXX 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15C USC 1666B : A creditor may not treat payment on a credit card account under an open end plan as late for and purpose.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act, the following accounts : XXXX. " XXXX XXXX XXXX '' Account Number # XXXX ( Original Creditor : XXXX XXXX ) XXXX. " XXXX  XXXX  XXXX  '' Account Number # XXXX ( Original Creditor : XXXX ) Has violated my rights : 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-12-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AZ)

In XXXX XXXX XXXX, I obtained a loan in the amount of {$18000.00} from XXXX XXXX ( now Navient ). They ended my interim period ( non-repayment period ) in XXXX despite still attending school. I was not advised of the repayment options I had at the time, and instead put me into deferment/forbearance until I began repaying in XXXX XXXX XXXX. I graduated in XXXX XXXX Steering me into exploding my debt through deferment/forbearance is, at the very least, unethical. XXXX XXXX used South Dakota as an usury haven to allow unfettered interest accumulation. I have paid nearly {$40000.00} for this loan, and have another {$43000.00} or so remaining. My loan term will end around XXXX XXXX at which point I will have paid over {$100000.00} for an {$18000.00} loan. This is extortion, and given the other crimes NavientXXXX XXXX has committed over the years, this appears to qualify for XXXX consideration. They refuse to allow me to settle for less than I currently owe, even though I was recently more than 3 months past due ( I am unemployed ), and even though I have already repaid more than I borrowed a couple times over. I was told over the phone that they won't do that, " because it doesn't make good business sense. '' It is their intention to extort money from me at the cost of future financial opportunity, and at the cost of my reputation and credit score. Had I been made aware of my options at the start of the repayment period, I would not be on track to pay more than 500 % of the money I borrowed. This is debt bondage.
Consumer complaint received 2022-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZenResolve, LLC (CA)

I have received notices that I owe money to a company called XXXX which hired a company called ZenResolve to collect {$1600.00}. They don't have my birthdate but somehow they have my social security. I am unfamiliar with this company. They don't have any contracts or statements to accurately reflect that any monies were taken. Again, I don't recognize this company and they reference a bank account with XXXX XXXX that I don't have. In fact, I don't have a XXXX XXXX account. 

I am trying to get this debt discharged and make sure it doesnt affect my credit.
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account Name : Fair Collections And Out Account Number : XXXX In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Called and claimed I owed a debt ( {$940.00} ) to 5th 3rd bank from 12 years ago that I paid already. Claimed the bank discharged  it as a loss and sent it to them. Threatened to damage my credit and take me to court if I didn't pay. Left a threatening voice mail as well. Claimed that if I paid on the phone right then and there they would take {$660.00} instead. When I questioned them they stated they were a real law office attempting to collect a legitimate debt. I went online and it quickly became apparent that this is a scam and they have been running the same scam out of different states and from different numbers.
Consumer complaint received 2024-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DIGITAL FEDERAL CREDIT UNION (GA)

I am writing to address critical issues with my Digital Credit Union open end consumer credit plan. 

1. Address Update : Please update my mailing address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My previous address was XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA. Mail delivery to this address has been unreliable, and I have not received recent statements or correspondence. 

2. Non-Receipt of Statements : I have not received any recent billing statements due to mail delivery issues and the theft of my cellular device, which has restricted my access to emails and account information. As a result, I have been unable to make timely payments.

3. Billing Dispute : I believe the missed payments on my account constitute a billing error under the Fair Credit Billing Act ( FCBA ). I request that any associated late fees or penalties be waived pending the outcome of an investigation.

4. Request for Statement : I request a current billing statement be mailed to my updated address so I can remit payment promptly.

5. Contact Information : My current phone number is XXXX. Please update your records with this information. 
I expect confirmation of receipt of this letter and a prompt resolution to the issues outlined. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-06-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (LA)

I enrolled in the US BANK forbearance program XXXX of XXXX due to the corona virus pandemic. My work depends on XXXX XXXX done at our local hospitals. At this time the hospitals were handling virus patients and my income was significantly reduced. This went on and off until the end XX/XX/XXXX, at which time my forbearance ended and I was able to start paying my mortgage again. I had been told numerous times throughout the forbearance period that all payments would be put on the back end of the loan. However, I was asked to submit profit loss statements, bank statements, explanation letters, tax records etc. to the loss mitigation division. The first attempt was denied and I was offered A short sale. I was given the opportunity to appeal which I did and was denied again and offered a short sale. I was then told I was applying for the wrong program I was told I needed to apply for COVID 19 long term. I went through the application process for this program which took a few months. Again I was denied and offered a short sale. This process took from XX/XX/XXXX till XX/XX/XXXX. During this period I was able to make payments but was told no payments were acceptable during application process. On the denial letter one of the reasons said I was behind on payments from XXXX till XXXX. It also stated I SAID I wasn't able to make payments which I stated in letters I was able. Another denial reason said they could not find an affordable payment plan for me. I was never given an option on any payment plan. Another reason saying I was in Loss mitigation before, which I was years ago for different reasons. Why let me in this forbearance program if being in it before disqualifies you for another one. So, now after the forbearance from beginning XXXX till end of XXXX now they are saying I am 764 days delinquent and have to pay {$52000.00} to avoid foreclosure or do a short sale. I am left with my only option of XXXX bankruptcy. I really don't want to go down this road especially when I can afford payments. I will still be making payments under XXXX XXXX and hang on to house with 7 years of bad credit. It seems unfair that after proving with bank statements that my income could afford repayment if deferred to back end of loan. IT IS IMPORTANT TO NOTE THEY WOULD NOT TAKE MY MORTGAGE PAYMENT DURING THE APPLICATION PROCESS WHICH LASTED 6 MONTHS. NOW THEY SAY I WAS BEHIND ON PAYMENTS WAS A REASON FOR NOT DEFERRING PAYMENTS..
Consumer complaint received 2022-06-16
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: EQUIFAX, INC. (FL)

Account Name XXXX XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-12-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

Twice this year Navient has put my student loan repayments into deferment, without my permission. I have been repaying my original student loans and want to continue repaying them, in fact, I was set up for monthly auto-pay payments. I contacted Navient around XXXX or XX/XX/2022 after the first time they put my loans into deferment and stated in writing thatI did not want my loans in deferment. After this contact, they restarted my auto-payments. However, it appears that once again in XX/XX/2022 they put my loans in deferment again, without my request or permission. I do not want my loans in deferment - I did not request for this to happen, nor did I approve the changes to my account. 

Today, XX/XX/2022, I received an email from Navient telling me that I have accrued an additional amount of unpaid interest on my student loans ... .because Navient has not been deducting the auto-payment on my loans since XX/XX/2022 - even though I did not ask for or authorize this change. 

I logged into my Navient account today, after receiving the correspondence about the accrued interest on my account, only to find that I am unable to reinstate or change the payments on my account ... .because it is in deferment. Navient has 'disabled ' these features on my account. I feel like this is absolutely criminal and a very crooked way to make more interest off of a loan. 

I have once again contacted Navient stating that I do not want my loan on deferment and I want to continue with the auto-pay that I had set up ( which also provided a discounted rate for auto-payment, which they XXXX ). I can not believe that the changes Navient has made are legal and are a violation of my consumer financial rights.
Consumer complaint received 2024-12-18
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Possible Financial Inc (CA)

I have gotten no replies or contact from possible finance, they have no phone numbers to contact a support only email service which has not replied to me ever. My credit is taking damage from the loaner and i have been trying to settle my {$76.00} balance for a while without any help from the company itself.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN HONDA FINANCE CORP (CA)

On XX/XX/XXXX, I got an alert by XXXX XXXX and noticed my Credit scores had dropped for both XXXX and XXXX XXXX. It was then that I saw my Honda Financial Services Account had been removed from both XXXX and XXXX XXXX. This is the second time Honda Financial Services does this to me.
Consumer complaint received 2022-05-28
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Captial one auto loan XX/XX/2020 in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Sedction 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-08-19
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: Experian Information Solutions Inc. (RI)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

This complaint is for every consumer who has had heartache in dealing with Capital One card services. Also for any attorney that is willing to take on Capital One as I am searching for legal help. Capital One has not only discriminated against me, but also retaliated against me. The CFPB has not helped me here, but feel free to reach out to me at XXXX with your Capital One stories. Capital One closed a well established Kohls credit card that was XXXX years old due to inactivity. They know what the 10 or more point drop does to our scores. No notice which all other cards lets you know to use them or loose them. They kept the card at {$300.00} limit & would not increase it for 6 years! Capital One knows keeping it low means if I spent {$150.00} that is a 50 % credit utilization and impacts our scores in a quick and negative way. I sent a goodwill letter of intent to Capital One after missing 1 payment. At the time I forgot as I was undergoing an operation at a XXXX treatment facility. Not only would they not forgive it they purposefully did not remove it from my boyfriends credit report for months later damaging his credit score too! To boot they never increased the limit from a meager {$1000.00} knowing how credit utilization will quickly impact our credit scores! When I went to the CFPB Capital One seemed embolden to do more damage. I warned the CFPB Capital One will retaliate & they did. They closed a good standing recently used sister card the Walmart credit card. They damaged my score again & my boyfriends as he was an authorized user too! They denied a credit increase due to not being used enough & when used they then flagged the account humiliating me while out to dine. Then a customer service rep who could not even articulate she understood the reason for my phone call required me to give XXXX my sensitive info like my drivers license! Like I would give Capital One whose recent hack was by a software engineer who stole information relating to millions of customers! Regulators say the bank should have had better protections. What does the CFPB have to say? This is suppose to be a consumer protection entity NOT a corporation protection entity! They retaliated against me & I have the proof all documented through the CFPB here, see for yourself the past complaints & lame responses!
Consumer complaint received 2022-08-19
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)

I disputed my credit report many times they never fixed the account and they always lower my score.when I use the credit card I pay the all the palance they never report that sometimes it takes them more than a month to do that and after I dispute that plus when I charge something anything on the credit card it goes on my report the next day they always ask for money to raise your score thats not right
Consumer complaint received 2022-08-19
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: NOVAD Management Consulting, LLC (CT)

Novad stopped responding to our emails as of XX/XX/XXXX. Our mother XXXX XXXX is now in a XXXX XXXX  as she has XXXX and needs 24 hour care. We sent NOVAD a letter via email on XX/XX/XXXX to state that XXXX would be vacating the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and moving into XXXX XXXX We initially requested a deed in lieu of transfer and submitted all documentation requested by Novad. We were told the process takes at least 90 days and not to contact them. Novad found an old lien on the property which was holding up the deed transfer process although they did not email XXXX XXXX, POA, for XXXX XXXX with any updates. We had to keep emailing to request a status. In XXXX XXXX had to apply fir XXXX as her assets ran out. We notified XXXX in XXXX that XXXX had no assets to continue to pay taxes and insurance and that if they could not clear the lien they would have to move ahead with foreclosure. XXXX denied the application and requested a letter from Novad stating that XXXX no longer had access to the home or the reverse mortgage funds. In XXXX Novad refused to send a letter and did not provide us with any status of the property. We emailed numerous times in XXXX to attempt to get a letter or move property to foreclosure XX/XX/XXXX was our last communication from Novad although we were told in XXXX by the property custodian assigned by Novad that they were no longer taking cate of the property and it was being turned over to HUD I emailed again requesting a status on the property in XXXX. No response from Novad. On XX/XX/XXXX I again emailed Novad and told them we were filing a formal complaint as they had stopped communicating to XXXX XXXX as of XX/XX/XXXX. This is unacceptable. I will attach copies of emails
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was shocked when reviewing my credit report and found 30 day late payments reported for XXXX, XXXX and XXXX of 2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.