davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/year> Re Acct # : Capital One # XXXX This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practice Act. Please note that I am requesting validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the date, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of the certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purpose of 15 USC 1692 et. seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2024-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

I was enrolled in school at XXXX  XXXX XXXX XXXX from XXXX. My loan through navient went in default as of XX/XX/year>, i sent in verifications a the school as well to support my claims. Navient subsequently sold my loans to ascendion. I spoke with both navient an ascendion to retract the information so it can be out of default so i can continue with school. Navient sent a letter a few days ago denying my request stated that the information i submitted wasnt from the school and etc. The schools financial aide XXXX is the XXXX who filled out and sent the information. Now Im not sure what else I can do. The XXXX loans that are the highest navient sold to ascendium
Consumer complaint received 2021-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation (WI)

This account was open in XX/XX/2011so it as well over seven years old they are reporting negatively on all three of my credit reports they will not remove the account and each month they keep reporting an extra XXXX some dollars in interest fees they have it marked as a charge off on my credit report which is past seven year mark which is very negatively destroying my credit this is the only thing negative I have on my credit and I would like them to remove it I tried to contact them and they will not remove it I tried to dispute it with the credit bureaus they will not remove it you are my last option please remove it thank you
Consumer complaint received 2023-02-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Shellpoint Mortgage Servicing failed to mail me my XXXX for XXXX due by law by XX/XX/XXXX ; this is causing a serious delay in my tax return preparation. 

I call their customer service center multiple times, no one resolves, all say they will email it to me within XXXX hours- never happens. Then they say, the leadership will review it in the morning. 

Calling into the customer service center is a nightmare, because the loan is paid in full, the XXXX will not recognize my phone number or loan number- so you have to keep repeating the XXXX points of verification and the recording keeps saying they don't ' find loan information that meets the information inputted so you have to wait for the recording to say to hold to talk to a representative. 

The wait exceeded the number of minutes the recording says it will take to connect to a person, said XXXX minutes it was XXXX. 

Today, XX/XX/XXXX, the representative literally told me " Putting you on an " extended hold '' when I insisted an escalation to speak to a manager - so I knew he was putting me out into a black hole, and no one would answer - you don't TELL the customer you are going to inflict abuse. 

They tell you to go online but I am blocked because the loan was paid in full last year. 

This is a simple request, also when the XXXX answers, it says Mortgage Tax forms have all been mailed then to press XXXX if you want to make a payment or are calling about XXXX form ; so obviously they know this is an issue and customers are calling for the form.
Consumer complaint received 2023-04-05
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Servicing Solutions, LLC (FL)

We are sick and tired of getting phone calls when we have scheduled our car payments online within the grace period and we have never been 30days late, NEVER. 

We are new to Servicing Solutions and the car collections representatives fail to check the system before they harass you into making a car payment. I have asked for Supervisor after Supervisor after Supervisor to stop the phone calls, when there is a payment already scheduled for our car loans and yet the phone calls continue. 

My car payment was scheduled on XX/XX/2023 for the draft date of XX/XX/2023, I received telephone collection calls on XX/XX/2023, XX/XX/2023 and XX/XX/2023... THIS IS HARASSMENT SIMPLY BECAUSE Servicing Solutions representatives fail to read or review the appropriate system screen, IF THEY CALL ME AGAIN I AM GOING TO SEEK LEGAL ACTION...
Consumer complaint received 2021-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

Scammers posing as employees of XXXX XXXX on XX/XX/2021 convinced me to make 4 payments totaling {$1400.00} to avoid disconnecting electricity at my home in XXXX, NY XXXX. The tool the scammers used was the Chase XXXX XXXX function offered and promoted on the Chase on line account page. I had never used XXXX before. The scammers walked me through how to transfer funds to a phone number. 

Upon realizing what I had done I immediately filed a report with the Chase fraud unit where I was advised to 1 ) close down the checking account from which I had drawn the funds, 2 ) open a new checking account, 3 ) file a claim with the Chase claims department. I did all of this. I was told the matter would be resolved by XX/XX/XXXX and that in most cases like this funds were restored. 

I received a notice posted to my online account on XX/XX/XXXX stating that the 4 scam transactions were never paid and that Chase would make no adjustment to my account. This notice is attached to this complaint. However, the Chase notice referenced only my closed account but the scam transactions had been transferred to my new account, which showed and still shows the money being debited. 

On XX/XX/XXXX I called Chase to correct their notice and insist that my claim be processed. Chase told me the issue was XXXX 's responsibility and I was given a number to call. I was unable to reach a live person at XXXX. After several more calls back to Chase I gave up.

My complaint is that Chase, by promoting and enabling XXXX, has provided scammers a tool to steal from their victims but does not provide even rudimentary safeguards against the sort of fleecing I experienced. For example, the supposed names of the accounts and the phone numbers were never vetted by Chase even though my scenario is a well known ploy. It's as if Chase has posted a loaded gun on their web site, encouraged customers to use it, and washed their hands of any responsibility for its consequences.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (VA)

I have not received a statement from Chase Bank during XX/XX/XXXX and since. In XXXX XXXX I attempted to submit an address change at the bank 's online site. The bank would not accept the address with a message that it was invalid non-existing. I tried several times but each time the change was rejected. Yet, I had no such problem with any other accounts, including credit cards, financial institutions and utilities. All other companies accepted the address change. So, I called the bank 's customer service. A representative stated that it was invalid, but she could override it and enter the change. Yet, no statement ever arrived even though it should have during the second half of XXXX. After XX/XX/XXXX I again called customer service. I was told that the statement probably was delayed by the XXXX because of holiday volume. Today, XXXX XXXX  I again called customer service. XXXX XXXX XXXX XXXX asked for my address. I gave it. She said that the bank 's records showed a different address. I asked her what address was shown. She said that the bank 's policy prevented her from telling me. I asked what happened to my XXXX statement. She did not know to where it was mailed. I pointed out that the bank obviously entered a wrong address or its software messed up, when I called in my new address. I requested a copy of the XXXX  statement and any upcoming XXXX statement. And, I said that because the bank erred I should not be charged any late fees or interest, especially since I have had a perfect record of paying on time on the XXXX Chase accounts I have. She refused to reverse the interest charges. I then asked for a XXXX. After a half hour on hold, I spoke with XXXX. She blamed me for making typo mistakes. She indicated that I entered my new address incorrectly. She claimed that I never called. Clearly, Chase Bank either lies or has corrupted / missing records. I told her that no other company had a problem with change of address. he dismissed this because she said the bank uses the same system for address changes. Then, why did the bank mess up when no other entity did? Clearly, because its IT is a mess. Yet, she admitted that the XXXX  statement did not come bank to the bank. This confirms that the bank erred in sending it or lies that it was sent, She also said that a XXXX statement was generated- for the wrong address which she still would not identify for me. And, she made it clear that additional late fees interest were added. She refused to reverse the charges caused by the bank 's failures.
Consumer complaint received 2023-07-14
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. (TX)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TN)

I believe Mohela has mishandled my student loans and my eligibility for the XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX through XX/XX/XXXX are listed as ineligible due to a period of Deferment or Forbearance, however, my loans were in repayment at that time. Those months should be qualifying for XXXX. Additionally, my eligible payments are only showing from XX/XX/XXXX forward, though I have been working at a qualifying employer and in repayment since XX/XX/XXXX, with a brief forbearance from XXXX through XX/XX/XXXX.
Consumer complaint received 2021-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (MI)

On XX/XX/XXXX I opened a checking account with TD bank subject to a promotion offering {$300.00} for customers who received cumulative direct deposits greater than XXXX. The terms also stated that the offer was available to customers who did not have a checking account within the preceding 12 months. I had closed my previous account on XX/XX/XXXX. I met the requirements spelled out in the offer by XX/XX/XXXX but TD Bank is refusing to pay out the bonus because they say I am not a new customer.
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Read the testimonies I uploaded SLS business is to lai that all home owners are late Lady due Then they turn the past due to delinquent so they have excuse to immediately foreclose This is how they do it Please read what I sent and put this Crocks our I am in a same basket of all those home owners With the government ban eviction and foreclosure specially fraud foreclose I and sending my situation and what SLS does to my governor Congress SLS should be pay and wipe off for what they are doing Its pure fraud cheat and stilling They are in business based on fraud cheating and get rich by fraud SLS is owned by XXXX Put them out Please take action
Consumer complaint received 2022-09-16
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capital Recovery Systems, Inc. (OH)

XXXX XXXX XXXX XXXX, as shown in Attachment of this complaint '', received a form from the Company alleging that Consumer owed a debt. Company violated 15 USC 1692c ( a ) - Communication in connection with debt collection. Defendant violated this code because it states in this subchapter : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Consumer did not give prior consent to company to communicate with him about any debt. Company did not receive express permission of a court of competent jurisdiction to contact Consumer about any debt. Company also violated 15 USC 1692j ( a ) - Furnishing certain deceptive forms. Company violated this code because it states in this subchapter : It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Company form that was received by Consumer is defined as a deceptive form as described in this subchapter because the said form created the false belief in the Consumer that a person is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Company finally violated 15 USC 1692e ( XXXX ). Defendant violated this code because it states in this subchapter : The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. As shown in Attachment of this complaint '', company form clearly shows the name of XXXX XXXX XXXX XXXX, which according to this subchapter is not the true name of the debt collectors business, company, or organization.
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act ; XXXX, has violated my rights with an unauthorized inquiry on 05/28/21. 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 2022-07-18
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2022-07-18
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: Experian Information Solutions Inc. (NC)

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that I wanted to removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Balance : $ XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX PSC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-09-13
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (NY)

I have a situation with an oldXXXX account which was falselyreported as a derogatory mark on my credit report. 

I had closed my account with XXXX in XXXX and transferred all my numbers to XXXX ( or so I thought ). XXXX was supposed to close and transfer all lines to XXXX as requested but kept their " Free '' service line that I received years prior ; on the original XXXXXXXX account and continued charging me which I did not know they were doing as my XXXX account was on auto pay. After months of paying I see a charge from them on XXXX XXXX XXXX  '' a money managing app that notifies me of all charges per week. Upon further investigation I realized I was being charged months after " closing '' my XXXX account. I contacted XXXX there after and explained the situation in which they took ownership of the mistake and refunded the money they took. 

A month after I realized the account was not closed AGAIN and they took money from my account and I had to contact XXXX XXXX XXXX to block XXXX from deducting funds from my account. I contacted XXXX once again and they took ownership of the " auto billing error '' and refunded the funds that they took and assured me that the account was fully closed as previously requested. 

This past week in XXXX I saw a derogatory credit report via XXXX XXXX XXXX stating I owed {$310.00}. After further investigation I was told it was from XXXX which is completely false because I do not owe any money towards XXXX. Take note ; no calls, letters & emails were sent saying I " owed '' during these months. Instead they just put a derogatory mark on my credit which is completely false. I contacted XXXX yesterday afternoon very very livid and extremely upset ( which I completely should be ) and explained the situation. The customer service personnel put me on hold after reading all the account notes on my account and stated that he would need to contact the financial department for investigation. After waiting on hold for a few minutes the phone disconnected and I never received a call back. 

Today I searched online for assistance via XXXX for people that had similar experiences with poor practices from major companies. I was recommended to report XXXX to FCC, XXXX XXXX XXXX XXXX which I recentlydid ) and to also email yourself because speaking directly to XXXX customer service is getting me nowhere and I am feeling like I am being lied to via phone and have been giving the " run around '' throughout these months. The icing on the cake is the billing department actually submitted a complete false report onto my credit report which should be illegal on their part.
Consumer complaint received 2023-09-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (VA)

An account was opened at Sunrise Credit in XX/XX/2022. I did not open this account. When I saw Sunrise Credit on my credit report I immediately contacted XXXX they stated that I was a victim of identify theft/Fraud and I should contact the credit bureaus to report a identity theft/Fraud incident. XXXX XXXX Sunrise has never contacted me about any type of account that I owed. This is not an account that I opened. I disputed this account with XXXX and with Sunrise. XXXX continues to report that Sunrise has verified that this account belongs to me after I disputed it three times.
Consumer complaint received 2022-08-21
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. (VA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I requested verification for XXXX debt reported on my credit report, and it returned as verified every time. I recently received a letter from XXXX about a credit report mistake. This error cost me a higher interest rate on my vehicles as well as my apartment search denials. I currently seeking a remedy to this in possible other errors