davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MA)

In XX/XX/XXXX, I received a bill from XXXX XXXX for {$280.00}. Because I had no idea why a bill was sent into collection I researched this charge to discover it was a purchase made at Macy 's Dept. Store on my Macy 's charge for {$20.00} due XX/XX/XXXX. Prior to that purchase, I had a XXXX balance on my Macy 's account and history will demonstrate that my bills were always paid on time. I had moved prior to making that purchase and had completed changes of address, but for some reason, I never received this bill, so it accumulated fees totaling {$260.00}. I sent a letter dated XX/XX/XXXX to XXXX XXXX and to DSNB explaining that the fees were unreasonable due to never having received the initial bill and that I am willing to pay the charge of {$20.00}, but not {$280.00}. In XX/XX/XXXX, I received another bill from XXXX XXXX XXXX willing to resolve this matter for {$200.00}. I am unwilling to pay more than the initial charge since I had never received a bill ( but was able to receive the collection bills ). I wrote another letter to XXXX XXXX dated XX/XX/XXXX. My hope is to resolve this bill for the initial charge of {$20.00} and have it cleared from my credit report.
Consumer complaint received 2017-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

I made a purchase online through HSN.com. In order to get promotional offer, I was told I needed to open an HSN card which I did. I made a purchase on XXXX/XXXX/XXXX for {$130.00} then another purchase on XXXX/XXXX/XXXX for {$47.00}. In the month of XXXX, I called inquiring about the credit card and was told the bill would be generated in XXXX. I waited until XXXX, once I received the bill, I made the payment on XXXX/XXXX/XXXX for the total {$180.00}. On XXXX XXXX, XXXX, I was then charged finance charge of {$4.00}, then on XXXX/XXXX/XXXX was then charged a late fee of {$27.00} and on XXXX/XXXX/XXXX minimum charge of {$1.00}. In fact, I was n't aware I had those charges on my account. HSN or the credit card company did not notify me so I was under the impression I paid my credit balance in full. After I found out about the charges, I called HSN spoke  to a representative who stated they will look into it and freeze the account. I was n't comfortable with the fraudulent charges so made the payment once again on XXXX/XXXX/XXXX of {$59.00} simply because I do not want it affect my credit score. Now my account is at {$0.00}. Today, I checked my account there is a finance charge of {$1.00}. First of all, I would NEVER shop at HSN the  worst and I would like to know why do they keep incurred another charge of {$1.00} towards my credit card when in fact I made all payments included the frudelent charges the placed on my account. Please help, I am frustrated and will to file a lawsuit against this company!!!!! Please contact HSN at XXXX.
Consumer complaint received 2017-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company (GA)

XXXX XXXX, XXXX Frost Arnett I filed a complaint again your company with The BBB and with my credit repair company to validate three amounts of {$620.00} for a total of XXXX. One you never responded to my BBB complaint however more than 60 day later you send me a letter dated XXXX XXXX that you can not validate such debt and will no longer attempt to collect. XXXX XXXX, I receive a 2nd letter from you with some paper stating that you have verified such debt by sending copies a bill from some emergency room that I never been to. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. You not validated a anything and I consider this to be fraud and will contact attorney General office and FTC. The various names on these documents false! 2 I have insurance the company name of this paper work is FRAUD! 3 I have never been to a XXXX XXXX XXXX, I have insurance and a primary care doctor so this false paperwork is fraud! All these will be forwarded to my family attorney any attempts to report this fraud to any of the three credit reporting agencies will result in legal action. XXXX XXXX XXXX
Consumer complaint received 2017-06-08
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc. (AR)

XXXX XXXX XXXX XXXX TX XXXX was my mothers house. She did a reverse mortgage with reverse mortgage solutions before she died. When she died we reached out to reverse mortgage solutions trying to get details and pay off information to settle the account. We were told we were n't on the account. My cousin XXXX XXXX was on the account. We called with her, and still go no information. We wrote letters requesting pay off and still got no response. On XX/XX/16 Reverse Mortgage Solutions filed for foreclosure at the courthouse. We have again tried to contact them for payoff and been unsuccessful. Basically this company hired a 3rd party company to manage the property breaking into the property and removing the locks and switching them out so we now have no access to the house or the contents. We contacted the courthouse and explained we we knew they had filed for foreclosure but there was no date given, and they had never contacted us. According to the courthouse there has NEVER been any sort of contact made with us and no citations have been issued. There 's no foreclosure date on file. This company is trying to steal this property.
Consumer complaint received 2017-08-11
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. (FL)

I have disputed this collection account with Equifax and XXXX twice. I have also sent via certified mail documentation from the company that is/was reporting the account stating they ( XXXX XXXX ) request that the account is removed from my credit file. To date Equifax and XXXX are still reporting this inaccurate information and refuses to remove the account from my credit files. This collection account does not belong to me. I have spoken to representatives yesterday at both Equifax and XXXXn ( X/XX/2017 ) and I was told both times the account will not be removed. There is no reason for this account to be on my report and this is a violation of my consumer rights.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The account I 'm requesting to be deleted from my credit file is from back in 2012 it was a timeshare loan the account was closed and reported that it was paid with a {$0.00} balance. Please delete!!!
Consumer complaint received 2017-06-08
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. (PA)

My first letter with this company was last  XXXX   2016 . I have been writing letters to this company for more tha n two years. I 've made several request for this company to investigate, re-investigate, requested c opies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in pla  ce even though TWO YEARS has already passed.
<P/>
Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing   at all.
Consumer complaint received 2017-08-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Trident Asset Management, L.L.C. (MD)

I noticed in XX/XX/XXXX that Trident Asset Management added an account for XXXX to my credit report. I contacted XXXX and they stated that the account was sold to Trident Asset Management. The charges were for un-returned XXXX XXXX equipment. I moved from XXXX County Maryland to XXXX County Maryland in XX/XX/XXXX. My XXXX XXXX equipment was returned to XXXX via XXXX in XX/XX/XXXX. XXXX states they can no longer view my account in their system and can not assist with the tracking of my returned equipment. I have disputed this account several times with the 3 credit bureaus to no avail. Trident Asset Management continues to verify the debt is valid. To this date, I have never received a bill for equipment from XXXX or Trident Asset Management. I have pleaded with both organizations to assist me in tracking and both continue to ignore me. My credit score has been damaged severely due to Trident 's re-aging of the account and unwillingness to address and obvious error on XXXX 's behalf. Trident has chosen to update my credit report to reflect that the " open date '' is XX/XX/XXXX. I have a previous credit report that clearly states the account charges originated in XX/XX/XXXX. Please help ... I just want justice for a debt i do not owe.
Consumer complaint received 2017-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NV)

I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX Card ), XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX ( XXXX XXXX Card ), XXXX XXXX, XXXX XXXX XXXX, Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX  account. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account. My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts and suntrust bank account that made payments on these alleged accounts was opened and funded fraudulently.
Consumer complaint received 2017-08-11
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Benworth Capital Partners LLC (FL)

2017 and previous. The private lenders are insisting that the buyer uses their title company in order to close the file. This is not the first time this has happened. Is there not a ruling against this.
They then say if they do not close with the certain title company the buyer can not get the loan ( sometimes )
Consumer complaint received 2017-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I have been going through an uphill battle with Navient for a year now in regards to validating these student loans that appear under my ssn and partial name. They have refused to provide me with what i have requested. This leads me to the conclusion that they do Not have proper documentation to validate this accounts. Original signatures for all loans were not provided to me along with itemized account info and history to support these accounts. Navient has clearly went past their legal allotted timeframe to resolve my inquiries from 1 year ago. They simply keep providing me with incomplete photocopy signature of only half of the loans that are on my account. Furthermore, these accounts were said to have been paid off in full on the website under the login profile. They were paid by the XXXX XXXX XXXX yet you continue to peruse me for Double Payment. There is a lot of breaching of security and inaccurate, incomplete documentation that Navient is propagating at the expense of struggling srudents. We will not continue to be bullied. I will take this matter to the top until these accounts are removed as you have not validated them and they are adversely affecting my credit reports as they appear to have late payments which could not be substantiated by Navient.
Consumer complaint received 2017-08-11
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. (AL)

Equifax and XXXX refuse to remove fraudulent inquiries on my Credit Report. On XX/XX/XXXX 2017 I sent letters to all three Credit Reporting agencies describing my problem accurately, request for removal, a copy of Drivers License, a copy of Social Security card, and a recent copy of utility bill to validate claim. XXXX  removed every fraudulent inquiry immediately. Please help me with Equifax and XXXX. Thank you for your time.
Consumer complaint received 2017-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (WV)

I applied for a Citibank credit card on XXXX/XXXX/XXXX. The bank sent me an e-mail on XXXX/XXXX/XXXX stating they needed additional info to verify my income. They sent me a list of documents I could choose from. I selected to send them my paystub. I faxed my last two most recent paystubs on XXXX. But because those paychecks did not include my social security number, a Citi representative wrongly told me to resubmit my paystubs and handwrite on them my social security number. I faxed the new documents on XXXX/XXXX/XXXX, and followed up later that night. Another Citi representative from their Application Status department informed me they could not accept me writing my social security number on my paystub and needed me to send an actual social security card. So on XXXX/XXXX/XXXX, I re-faxed my paystubs again and, this time, faxed in my social security card. I followed up an hour later with the bank. First, they transferred me to an automated system where I could n't do much. I hung up and called again and a representative transferred me to the Application status. The transfer failed and I was accidentally disconnected. I called a third time and when I finally spoke with a representative, she informed me that I might be better off e-mailing the social security card because of concerns the faxed SSN card might not be readable. She provided me with an e-mail on where to send the SSN card. I took a picture on my phone, front and back, and sent it to XXXX. When I followed up later that night, I was given another run around that was the last straw for me. I was told they could not accept a social security card and that I had to submit my XXXX showing my social security number. I was very upset and asked to speak to a supervisor. I spoke with a supervisor from South Dakota by the name of XXXX for more than a half an hour and she ended up hanging up on me, tired of hearing my frustration, and telling me she has to leave because they were getting ready to close. She stated Citi needed to verify/confirm my address ( I had just bought a house less than a month ago ) and my credit report address showed my older address. But I pointed out to her that sending my XXXX would not address the address issue, since my XXXX will still have my old address. No card for me to date.
Consumer complaint received 2017-08-11
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. (IL)

I have been a victim of identity theft. I have a FTC affidavit and a police report and Experian, XXXX XXXX will not remove the XXXX account from my file. It is not my account. I have for 6months now sent them my info and asked that they verify and they never do. Please help me get this taken care of
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

This complaint involves a  XXXX   XXXX  card with  XXXX   XXXX  or  XXXX   XXXX . I made timely payments online and paid off the remaining balance. However, beginning on  XXXX   2015, I  have allegedly missed payments until today. Like other customers, I made my payments online. I have never received any paper bills, electronic statements, or email confirmation of my payments. I have also never received any communications alleging that I have an outstanding balance or that my account is past due. I have had other  XXXX   XXXX  and   XXXX   cards in the past and successfully paid them off.
Consumer complaint received 2017-08-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (WA)

Ditech XXXX is in violation of 15 U.S.C. 1692e, a section of the Fair Debt Collection Practices Act ( FDCPA ) that prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. Ditech has provided me a 3 page ARM note that they have claimed is the legal document allowing them to collect the payments for my mortgage. i have notified Ditech multiple times regarding issues with the XXXX page ARM note. The first issue is the endorsement that is on page 3 of one copy provided by Ditech the other copy they provided of the same document lacks the endorsement. The second issue is that there is distinct tick marks in three places on one copy of the document and void on the other copy of the document. In these two varying documents that are supposed to be the same and original to show a legal interest in my mortgage and the ability to collect payments it brings clout to which copy is original. The third issue is with my signature as it lacks certain traits that can be easily seen in other signatures made by me at that time on various other pages of my mortgage documents. It is my conclusion that XXXX has ignored my attempts to bring this issue to their attention and instead has disregarded them. They have fraudulently made changes to this document in an attempt to show they have a legal right to collect on my mortgage. There has been no explanation provide to why the same document has been provide by them to me with altercations made from one copy to the next. Ditech XXXX XXXX. Being the current servicer of the mortgage loan has failed to meet the requirements of licensing in the state of Hawaii or provide after multiple request such documentation showing that it has meet and followed all state law. They have violated both 454M-2 license required and 454M-6 requiring a license to perform loan modifications. 454M-2 License required. ( a ) No person except those exempted under this chapter shall engage in the business of mortgage servicing without a license as provided in this chapter. ( b ) No person shall engage in the business of mortgage servicing in this State unless the person providing services has a physical presence in the State pursuant to section 454M-5 ( a ) ( 5 ).

( c ) No person licensed as a mortgage servicer shall provide mortgage loan modifications or any other services that would require licensing pursuant to chapter 454F
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Grant & Weber (CA)

I have a collection that appears on my credit report that I have no knoweldge of nor have I ever been contacted about this previosuly. The reporting is by a company named Grant & Weber in XXXX California. I have called to XXXX and disputed the information. I also placed a call to Grant & Weber on Monday the XXXX of XXXX. I spoke with someone who transfered me to the voice mail of a XXXX which I left a message. Ny Thursday the XXXX I have not had my call returned.
Consumer complaint received 2017-06-08
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. (CA)

In correspondence dated  XXXX   XXXX ,    2017 I maile d this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On or about XXXX XXXX, XXXX, I learned that XXXX XXXX XXXX erroneously reported to XXXX and Transunion credit reporting agencies that my car loan was at least 30 days delinquent in XXXX XXXX. I called XXXX XXXX XXXX to inquire about the claims. The customer service representative did not show that my account had ever been 30 days delinquent since the inception of the loan. The representative further suggested that I dispute the reported information in my affected credit report files. Shortly thereafter, I disputed the claims with both credit agencies. Around 30 days later, I learned that the reports were not changed, but simply updated. My car loan payments are due on the XXXX of every month. I plan to upload my payment history from XXXX XXXX XXXX that proves that my XXXX XXXX payment was not 30 days late. In fact, the XXXX XXXX payment was made on XXXX XXXX, XXXX, according to the financing company website.
Consumer complaint received 2017-04-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ACS Education Services (IL)

My grandson,  XXXX   XXXX ,  XXXX  in  XXXX    XXXX  . He had a private student loan that I had cosigned for him. I have asked the loan agency to forgive this loan, but they refused. The loan agency is   XXXX   XXXX   XXXX    XXXX   XXXX , which is serviced by ACS Education Services (  XXXX   XXXX  ).  XXXX  's student loan account was  XXXX , and my account is  XXXX .   XXXX   XXXX    mother is on  XXXX   (  $  XXXX   )  and I 'm  XXXX  and working to supplement her  XXXX .