davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX of 2016 my wallet was stolen. I filed a police report with my local law enforcement : XXXX Police Department. Soon thereafter my identity was used to acquire various accounts, namely a car loan with XXXX in XXXX, CA. They opened an auto loan with XXXX. Once this was brought to my attention I immediately contacted the detective I was working with at the XXXX Police Department. The detective contacted the General Manager, XXXX at XXXX and after a thorough investigation it was deemed by the General Manager, XXXX at XXXX as well as the detective with the XXXX Police Department that this was in fact fraud. I am providing ALL documentation to evidence such. I have requested multiple times that Transunion remove the Charge Off showing under my name with XXXX and Transunion as well as XXXX are REFUSING to remove this Fraudulent information which is preventing me from qualifying for a home loan and any other type of credit.
Consumer complaint received 2017-03-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (TN)

My car payments have always been made on time until this month when we fell on hard times. Although my payment was due on the XXXX of XXXX we have a 10 day grace period. On the XXXX of XXXX Credit Acceptance started calling me at work up to 5 times in an 8 hour period after being told not to contact me at work, they could reach me after XXXX at home. To make matters worse they were doing the same to my mother at work since she was my co-signer. I submitted partial payment today via online payment center and also an e-mail explaining that I would pay the remainder next week and they are calling again, I have received 2 phone calls already this morning and my mother has had 3 and it is n't even XXXX yet.
Consumer complaint received 2017-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CSO Financial (OR)

This is a matter of false claims and it does have to with other violations that have been committed here and everyone also involved in this matter.as documented evidence proves which I am more then happy to sit down to discuss this with an agent like I have with the OIG because since there is fraud alleged here and a lot of retaliation has occurred here it would be best for me to meet with and sit down with a federal so the agent can see for them self to what is going on here and what I have been through to date.
Consumer complaint received 2016-11-01
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

Misleading and deceptive use of XXXX services to induce customers to buy or lease Lexus automobiles by Lexus Financial Services by promising XXXX months forgiveness of lease payments if a new vehicle is lease or purchased. While they encourage buyer to continue to make payments and providing written assurances that the coupon mailed is valid until XX/XX/2017. Not so and thus consumers are being double charged for XXXX or more monthly payments.
Consumer complaint received 2017-03-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery Services calling me multiple times a day from atleast 10 different phone numbers. I got my free credit reports from all XXXX agencies. I have nothing in collection with them. I have some old medical bills and they all show as paid. And looking at my XXXX credit report Portfolio Recovery services is looking running my credit report often, sometimes several days in a row, sometimes 2 weeks apart since 2015. I would like them to stop calling me and accessing my credit record.
Consumer complaint received 2016-09-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Professional Recovery Management (MS)

On XXXX XXXX, 2016 I was notified through credit monitoring that I had a collection in the amount of XXXX on my credit profile from Fox Collection. Prior to seeing this on my report I had no idea of who this company was and why were they on my report. After I looked the company up and contacted them they advised me that I owed them XXXX from a past due medical bill that I was not aware of. After a lengthy conversation I was told that they had the right to put it on my report even with me not being aware of the bill. She said that they mailed a bill to me in XXXX and I probably did not read it because it was not labeled from an collection agency. I am trying to find out is it fair practice to make only XXXX attempt to communicate with a customer and then place it on their credit profile. I have no problem paying the bill if they are willing to take it off of my credit profile because truly they made no attempts to contact me to make me aware of the bill.
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (GA)

I noticed that my XXXX score reported by Experian XXXX to XXXX XXXX XXXX had dropped almost XXXX points between XXXX and XXXX ; however, I am in good standing in all of my accounts and pay my credit cards in full every month. So I called the number provided by Experian in the report to ask. The phone menu provided me options to ask about my XXXX XXXX credit report or XXXX ) XXXX score, so I selected ( XXXX ). XXXX, the female Experian employee I spoke with, repeatedly apologized and told me that they do not know anything about XXXX scores, was not sure why the option was in the menu, and can not help me or direct me to anyone who could. She could also not enter a dispute. I asked her to direct me to the Experian department that could help me. She placed me on hold to speak with a supervisor and then provided me with a phone number : XXXX. She confirmed that this was a department from within Experian who could assist me with my XXXX score dispute ; however, I called and it is a paid credit monitoring service that also is not able to help me. They advised me to find and hire a XXXX party local advisor. I believe that if Experian is reporting my score, it should take responsibility and be able to provide answers or justification on how and why a score can drop suddenly with no recent adverse activity.
Consumer complaint received 2016-06-21
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (MD)

My loan was " sold '' to Navient who tried to collect on it, Navient then gave it to XXXX. XXXX said that if I made three on time payments of XXXX a month they would lower my interest rate from 10 % to .001 % so that I would actually start making headway on my loans. i made the payments but they never lowered my interest rate and they never updated my account to show current status or that my balance was decreasing. Navient stated that they never received conformation that I had made the payments and that they had a deal. When they researched the account the found that I was right and they said that i would be credited the interest back over time, so there was no real benefit to me. They also said that there was a new policy that no credit reports were going to be updated as of XXXX 2016 so all the payments I made were never going to be reflected, my credit report would always show that I was behind. Because this is reporting inaccurately I can not qualify for a house or loan consolidation of any type.
Consumer complaint received 2017-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

I 'm in School. I 've reported that i 'm a student at XXXX. XXXX reports to the XXXX. Navient is still charging me interest. Please correct them on this.
Consumer complaint received 2016-09-06
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONS DIRECT MORTGAGE, LLC (TX)

I just got a new home and our broker did our loan with a mortgage company in CA, by the name of Nations Direct Mortgage and it looks like someone in that company got in hold of my wife and my personal information including Social Security, income information and more and are starting to setup fraudulent credit account and utility services ( Wireless account ) in our name. 

My wife and I work in the financial system and we are extremely careful with our private information, after evaluating the address were the mortgage company is located and the address of the places the individual who stollen our personal information had comited the crimes we had come to the conclusion that the only place were our personal information was expose was at the mortgage company already mention. We had file a police report and we had start an investigation in order to find the responsible paerson.
Consumer complaint received 2016-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (GA)

I am currently in good standing and paying my loans back at the rate of {$99.00} per month. The problem is that the Department of Education through FedLoan Servicing have disregarded 17 years of payments that I the Department of Education received. Let me explain ; my student loans defaulted about 20 years ago when the Department of Education defaulted me without notice and without serving me with a complaint. Their excuse was that they could locate me but that is inaccurate as each time that I moved, I filed a change of address with the United States Postal Service. Be that as it may, my loans defaulted and I entered into a payment arrangement with the XXXX XXXX XXXX, a collection agent for the Department of Education, and {$170.00} per month was taken out of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX checking accounts for over 16 years. In addition, my federal and state income taxes were intercepted for 18 years as well. In spite of these monies having been taken from me for over 18 years, my student loan account has not been credited with the amount being applied to my student loan debt. This has forced me to have to be subjected to unreasonable interest rates on a higher loan amount, with loan payments due to escalate to {$1700.00} starting in XX/XX/2017 which will bankrupt my family all because the Department of Education made a decision to disregard my consumer and civil rights by arbitrarily disregarding my 18 years of student loan payments and refusing to rehabilitating my student loans and never deducting my student loan repayment for the program that I signed up for in the XXXX XXXX. In light of the department of education 's disregard of my civil rights, I request for these loans to be discharged. In addition, I would like to have my account credited for the tens of thousands of payments that have made to date. If necessary, I would like to request a hearing before a federal court of competent jurisdiction to address this grievous injustice if my grievance can not be resolved..
Consumer complaint received 2016-12-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc. (AZ)

On XXXX XXXX I received a letter from National Credit Systems out of Georgia stating that I owed debt and that I had 30 days to contact them to dispute it. I called them the day I received the letter and told them that I dont believe that the debt is valid, In addition I sent a letter stating that I require validation to include a copy of a signed contract with my signature and a disclosure of how much is the debt and how much were the fees. They have not gotten back to me with any information regarding the validation of my debt but they have already reported this unsubstantiated debt to my credit report. I have the right to dispute the debt and to have it validated. I feel that has been denied me as they have already reported this and it is already negatively impacted my credit.
Consumer complaint received 2016-11-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc. (FL)

I/we sent a letter on XXXX XXXX, 2016 asking Global Receivable Solutions to send all documentation including my legal signature showing that a debt is owed to their company. After waiting 30-days, Global Receivable Solutions never provided me with the documentations. 

I/we then sent a follow-up with a phone call and letter on XXXX XXXX after receiving a phone call from a Representative [ XXXX XXXX ] on XXXX XXXX, 2016 advising that they did not meet their obligation outlined in the first letter. 

For this, the company has failed to meet the 30-day validation outlined by the Fair Credit Reporting Act ( FCRA ) and/or Federal Fair Debt Collection Practices Act ( FDCPA ). 

Due to the company 's unwillingness to send all requested information, it continues to affect my credit report. And I am unable to confirm this " alleged '' debt. Our belief is Global Receivable Solutions is not dealing fairly and would appreciate if CFPB conducts a full investigation of their business practices.
Consumer complaint received 2017-03-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (OH)

I cosigned on a student loan for my Brother and he failed to make a single payment, which was due on XX/XX/XXXX. On XX/XX/XXXX, I began receiving automated phone calls from Sallie Mae, reference " A business issue '' and directing me to call a number they provided in the message. Due to ongoing fraudulent activity with such calls, I did not return the call, however, I did check the account and noticed the account was a few days past due. I contacted my Brother and a full payment was made. After making the payment, I received three more automated phone calls from this company, each one to one and a half hours apart from each other. This type of harassment is unacceptable and is taken as telecommunications harassment and in violation of FTC regulations. To receive constant phone calls such as these every hour to hour and a half if a violation of it 's own and taken as harassment, but to receive NUMEROUS phone calls AFTER the payment is made is ridiculous.
Consumer complaint received 2016-07-03
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Each month I receive my credit card statement I make a payment usually the minimum amount due and sometimes a little more. Once I make a payment the amount paid is reflected as my available credit plus any credit that has remained from the last statement. Example : I receive my statement and the minimum amount due is XXXX. I make the payment in the amount of XXXX dollars and my credit card account shows XXXX dollars available credit plus any existing available credit remaining from the last statement. The issue or concern I have is that when I receive a new statement I have a new minimum amount due and my available credit has been reduced subtracting interest that has accrued instead of the interest being calculated along with other transactions that would give me my monthly minimum amount due. It 's almost like I am being double billed. It is my understanding that the interest charges are calculated in the minimum amount due each month and the only time available credit would be reduced is when purchases are made.I do n't know any other bank or financial institution that reduces your available credit because of interest charges.
Consumer complaint received 2016-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Clarity Services (LA)

I contacted Clarity Services to dispute information on my credit reports. I have over XXXX inquiries on my credit reports, many of them from companies inquiring about my credit. Clarity Services has sold my information to loan companies and banks that I never inquired about. I recently went into the bank to pay my daughters tuition and was rejected for a savings account. This stems from illegal, false, and bad reporting from Clarity Services, just to name a few. I would like Clarity Services, Inc to remove all of the negative reports sold to loan companies, banks, etc. I want no relationship with this agency. They were already sued for this same issue and now I see why. This company has to sell lies to companies to make profits and mess up peoples lives. I have a great job and I own my home. I have no reason to have XXXX inquiries on my credit profile and negative reports from a company that is in violation of my rights. I would like you to investigate this company and have them provide verification of all the false reporting and accusations held against me. I have already hired a lawyer. Please help me and possibly others. I 'm sure I wo n't be the last to report this illegal behavior.
Consumer complaint received 2017-03-23
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA Compass ' Bankcard Collections Department placed a hard credit inquiry on my credit report on XX/XX/2017 which has lowered your credit score with XXXX by XXXX ( XXXX ) points. I have not requested a loan, credit card or any financial service from BBVA Compass for them to put a hard credit inquiry on my report. I request the Bank provide a letter to XXXX requesting that the Bank 's hard credit inquiries be removed. I also request that the Bank refrain from performing any additional hard credit inquiries on my credit history with any of the XXXX major credit reporting agencies.
Consumer complaint received 2016-09-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: REGIONS FINANCIAL CORPORATION (MS)

I have a personal line of credit with Regions Bank. I had a late fee put on my account that was also reported to my credit. I never received a statement in the mail. They say they sent it, but I did not get it ( the US Postal service is not a 100 % guaranteed delivery service ). Also, I do all of my banking online. They are the only bank I have that still requires mailing service ( they wo n't even let me pay my bill online from another bank ). They also do not allow me to view my statement for this account online. Also, when I logged into my online account, my account showed a {$0.00} balance. The only way I was to know I had a bill due was to get the statement which I did not get. This bank is XXXX of the largest in the XXXX. There is no reason I should n't have access to statements online, for them to correct their system so when I have a balance due, it actually shows a balance due on my account. I called and emailed them and they pretty much said " not our proble. We mailed you a statement. '' It is their problem in the Internet age I can not have full access to my account. I have problems with the postal service because they confuse my address with another person and sometimes I do not get my mail which is why I do all of my banking online! They reported my late payment on a fee I was unaware of. They need to update their system and remove the XXXX late payment I have ever had posted on my credit report!
Consumer complaint received 2016-06-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lendmark Financial Services (TX)

XXXX XXXX XXXX stated that they sold my bad debt to XXXX XXXX on XXXX/XXXX/XXXX which is incorrect. According to XXXX XXXX they obtained my account on XXXX XXXX, XXXX, therefore XXXX is still reporting false inaccurate information. There are XXXX accounts listed on my credit report from Lendmark Financial one ending with # XXXX in the amount of {$2000.00} and the other one ending with # XXXX in the amount of {$1400.00}. I only had XXXX account with Lendmark and each time Lendmark sold or transferred my account they created a new account number which also added another tradeline to my credit report creating multiple tradelines from the same creditor which has severely affected my credit rating even more. I have made several attempts with Lendmark to correct this matter but I was only disrespected and humiliated and hung up on by one of the managers, and XXXX representatives. I have also disputed this matter to all the credit bureaus and nothing has been done, but Lendmark manages to constantly update my credit report with new or updated information according to the credit bureaus, which is still affecting my credit rating. Again if my account has been sold to XXXX XXXX and they are collecting on this debt as well why is lendmark still reporting on my credit report. I am requesting for the fifth time that Lendmark remove there multiple tradelines from my credit report and allow the company that they sold the debt to, to collect on such debt.