davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants' Credit Guide Company (TX)

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). 

The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on. 

Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note Transunion, Experian, and Equifax are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Consumer complaint received 2018-09-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION (GA)

I opened a account with Navy Federal and they put a security hold on the account for months blocking me from changing the address and even speaking with someone on the phone in regards to servicing the accounts like updating the address and or getting account information. Every time I would call I was told I needed to speak to security and they would give me a list of things to send in. I even went into a branch in XXXX Ga ans after giving them the information they wanted they also told me they would update the address only to find out it never happen. I than later called got login on line to find the credit card was past due 30 days. I never activated the card it was not a annual fee it was a card shipping fee. It was taking off by Navy federal as they have agreed yet my credit is destroyed! They tell me there is nothing they can do. this is insane I never use the card and was told the account was closed until I cleared things up with security. Please step in so I may fix my credit.
Consumer complaint received 2018-09-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: GREAT LAKES (MN)

I am writing this letter as a complaint against both XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and The XXXX XXXX XXXX XXXX for violation of the SCRA laws. 
I took out student loans from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX in XXXX and XXXX for a combined amount of {$21.00}, XXXX. When I joined the XXXX in XX/XX/XXXX, I sent notice to all my financial lenders a form indicating I was going into XXXX XXXX. I was on XXXX XXXX in the XXXX from XX/XX/XXXX through XX/XX/XXXX. I am enclosing the official form ( XXXX XXXX XXXX ) as record of the dates. During that time, I was also XXXX to a hostile environment ( XXXX XXXX ) for the dates of XX/XX/XXXX through XX/XX/XXXX ( Letter attached ).

With the SCRA laws, my payment were to be deferred 180 days after my separation date of XX/XX/XXXX ( approximately XX/XX/XXXX ). However, in XX/XX/XXXX I received notice from the MN Department of Revenue that they kept my state refund to apply to my debt. I also received a letter in XX/XX/XXXX that the Wisconsin Department of Revenue kept my federal tax refund of {$1000.00} to put towards my debt. This is when I started contacting Great Lakes. 
Great Lakes is claiming they never received notice of XXXX XXXX or the request to reduce interest on my loans. They sent my loans to the XXXX XXXX XXXX XXXX who sent my debt to a collection agency stating I was in default. Numerous phone calls to try to resolve the issue did nothing. They would not accept my XXXX XXXX XXXX and did not want me to send them the forms to show I was on XXXX XXXX. 
I finally wrote to the US House of Representatives for assistance on XX/XX/XXXX. They took my information and paperwork and wrote to the XXXX XXXX XXXX on my behalf. The response from the XXXX XXXX XXXX on XX/XX/XXXX ( attached ) indicates they were going to pull my account back from collections, refund my tax refunds, remove my loans from a default status and return the loan to Great Lakes so I may work with them. 
It is now XX/XX/XXXX and of the above actions, the only thing that has happened is the refund of my tax refunds. My credit bureaus are still showing default and the loan has not yet been returned to Great Lakes. This has caused me financial difficulties in trying to apply for other VA loans and get approved. 
My expectation is that my loans reflect the 6 % or lower APR that was to be applied throughout my XXXX XXXX status, deferment that was supposed to take place and the 0 % for the time I was in a hostile environment which was then to be deferred for 60 months. In addition, I want all negative credit bureau reporting of default or collections to be removed and the trade line from the XXXX XXXX XXXX to be deleted since they were sent to them in violation of the SCRA. Any compensation that would apply due to the violations of the SCRA laws are also expected, up to and including waivers of monies owned and fines and/or citations to Great Lakes.
Consumer complaint received 2018-09-23
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: U.S. BANCORP (TN)

To whom it may concern, This is in regards to my credit report with XXXX and XXXX they are reporting this account on my credit report from. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX partial account # XXXX ... .date open XX/XX/XXXX first reported XX/XX/XXXX. This account was open as fraud I did not authorize this company to open any accounts in my name. I have reached out to the company requesting for proof of my signature and also to provide proof of photo ID. The company has not provide any of this information to me. I also informed the company that I have been a victim of identity theft and to please remove this information off my credit report. I also have reached out to both creditors XXXX and XXXX about this account letting them know that this is a fraud account. Please assist me in this matter with helping me getting this account remove from my credit report thank you ...
Consumer complaint received 2018-07-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CO)

Today, XX/XX/2018, I was unable to delay my monthly Student Loan Payment due to internal processes present within my Loan provider, Navient. Due to financial hardships as well as with an irregular pay schedule I was unable sufficiently satisfy monthly payment. When calling the provider to put a stop/delay the automated payment, they explained that it was too late to delay the payment ( even tho I called before the payment scheduled payment date ).
Consumer complaint received 2018-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: STATE FARM BANK, FSB (OH)

State Farm Bank is the biggest scam ever! In XX/XX/XXXX I canceled a credit card with them. Before canceling it I disputed a charge for {$12.00} and thought once it was disputed I would not owe on the balance. A few days later I check my State Farm app to be sure it is all paid for. The account is no where to be found on my app, so in my mind I must not owe anything on it. Months pass I get no bills from them, nothing on my app about the closed account. Around XX/XX/XXXX or XX/XX/XXXX i start  getting calls from a odd number saying they are state farm collections, so i call there XXXX number to be sure it was them before i spoke with this number and they said that is not us, you dont owe us anything, and we only call from a XXXX number. Yesterday XX/XX/XXXX I get on to check my credit score it says i have 3 late payments, and i know i have never paid anything late, I look into and its from my closed account with State Farm.  So i call to pay it and they said i owe them {$200.00}. After arguing with them about it they brought it down to XXXX, still ridiculous. For a {$6.00} missed payment I collected {$200.00}, in late fees for a balance I was unaware of because they failed to properly notify me. I filed a complaint and they still made me pay {$130.00}!! Total scam!!! And they also clamied To be sending emails to the wrong email for notices about the balance one that isnt even linked to my credit card account! I told them it was the wrong email so How could i know about the balance they didnt care! Nothing in the mail about this balance and nothing on my online account about it.
Consumer complaint received 2018-03-09
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (CA)

Starting in XX/XX/2017, XXXX XXXX XXXX at ( XXXX ) XXXX started calling me multiple times a day using threatening verbiage in their calls, sending certified letters, etc. I believe they have contracted with the people at XXXX XXXX ( which isn't the company 's real name and they refuse to give it to me ) at ( XXXX ) XXXX to further harass and threaten me. 

XXXX XXXX XXXX and XXXX XXXX are not the original creditor-XXXX XXXX is. XXXX  XXXX is the only organization that I have to deal with. This wasn't even for a real school-only a coding boot camp.
Consumer complaint received 2018-08-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (GA)

We fell behind due to timing of the hurricane, as well as my spouse losing their job back in XXXX of 2017. We have been working extremely hard to work something out and sending the required documents requested week after week. It's to the point that we are still having problems with the company from losing Documents, one person stating that they have everything to not having the documents a few days later, submitting the same Documents over a month later to documents expiring because of this long process. We are trying to save our home, but Loan administration does not have their stuff together.
Consumer complaint received 2018-08-01
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. (MD)

IT HAS COME TO MY ATTENTION THAT TO DISPUTE INQUIRIES ON MY CREDIT FILE I MUST CONTACT THE AGENCY THAT DID THE INQUIRY, REQUEST THEM TO SEND ME A LETTER TO REMOVE IT AND THEN FORWARD THAT LETTER TO YOU ALL AT TRANSUNION WELL I TRIED THAT. AND WELL NO SUSCESS BECAUSE I CAN NOT GET A HUMAN ON THE PHONE FOR THE LIFE OF ME. TRY IT YOURSELF CALL XXXX  AT THE NUMBER PROVIDED ON THE INQUIRY XXXX. YOU MUST HAVE AN ACCOUNT WITH THEM TO TALK TO ANYONE. THEREFOR IT IS IMPOSSIBE TO DO WHAT YOU ARE ASKING ME TO DO TO HAVE THE ACCOUNTS REMOVED. ACCORDING TO FCRA, ACCOUNTS THAT ARE FRAUD AND DEEMED AS FRAUD SHOULD BE REMOVED BECAUSE THEY ARE POSTED ON MY CREDIT FILE INNCORECTLY. AND ANY AND ALL INNACURATE INFORMATION SHOULD BE REMOVED. THEREFOR I AM REQUESTING ONCE AGAIN KINDLY TO HAVE THE ACCOUNT INQUIRIES REMOVED PERSUANT TO THE FCRA. I HAVE SUBMITTED A COMPLAINT, AND ALSO SENT YOU NOTICE OF FILING A LAWSUIT FOR THIS AS NOT ONE CREDIT AGENCY SEEMS TO DO ANYTHING CORRECTLY. NOT ONE. AND HONESTLY I HAVE BEEN GOING THREW THIS FOR YEARS NOW WITH THE XXXX  DATA BREACH, AND I AM DONE BEING PATIENT WAITING 30-45 FOR NO RESULTS. SO THIS IS MY LAST ATTEMPT also incorrect account balances on XXXX card .... it has a XXXX balance and they reporting over {$600.00}
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (SC)

We have been current on our car loan for a few months now. We disputed the correctness of the debt and the company sent letter agreeing they are reporting incorrectly. 60 day lates and repossessed. They stated they would correct this. They still have not after reporting 3 months in row. This has totally hurt our credit score or any chance at purchasing our home.
Consumer complaint received 2018-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (NY)

I have never heard of a stand alone bank where when it eats your cash deposit and card that they destroy card and take up to 10 business days to credit your account..and then charge you {$25.00} to expedite your new card.had I known this was standard procedure I wouldnt have used that branch.
Consumer complaint received 2018-08-01
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)

As a consumer on multiple instances I have written several letters to all 3 credit bureaus, exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g I have simply requested original hard copy documentation, fully and totally verifying that all negative items being reported on my report belongs to me, who verified these items? What methods were used in verifying these items? Also where is the physical proof of a contractual obligation with my signature on it? They have failed to provide those documents as well as allowing the negative items to remain on my credit report after several letters damaging my credit worthiness. The items therefore should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). XXXX, Equifax as well as XXXX   are all in violation of the FCRA ...
Consumer complaint received 2018-08-01
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. (NJ)

As a consumer on multiple instances I have written several letters to all 3 credit bureaus, exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g I have simply requested original hard copy documentation, fully and totally verifying that all negative items being reported on my report belongs to me, who verified these items? What methods were used in verifying these items? Also where is the physical proof of a contractual obligation with my signature on it? They have failed to provide those documents as well as allowing the negative items to remain on my credit report after several letters damaging my credit worthiness. The items therefore should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). XXXX, XXXX as well as Transuion are all in violation of the FCRA ...
Consumer complaint received 2018-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IL)

My online bank sent two payments to chase for a large sum of money on XX/XX/XXXX and XX/XX/XXXX. After being unable to resolve this with my bank, I realized that I needed to get chase to electronically refund the money. On XX/XX/18 and XX/XX/XXXX we spoke to XXXX and XXXX and XXXX who assured us that the information sent would be good but we would have to wait 3-5 calendar days. XXXX on XX/XX/XXXX said he would call back to make sure everything was ok, he never called. On Monday XX/XX/XXXX we spoke to XXXX who said that our payment was processing. He even gave a time of XXXX XXXX but we needed to wait 3-5 days. Wednesday, XXXX from Chase said that we were given an incorrect time frame and we would have to wait 30 days. She asked us to hold and came back and said she was incorrect and said it would be 3-5 days from Monday and to wait until Friday. Friday XX/XX/XXXX we spoke to XXXX who was great and actually the only one who called back because she realized that we had a serious issue. She transferred us to XXXX who told us that we needed more information which we promptly faxed to them. He said it would be 3-5 days. The following week was filled with more 2 hour phone calls and incorrect information. Chase informed me on Wednesday XX/XX/XXXX that it would be 30 days. What?? They had an extra payment and wouldn't return my money and actually stalled for two weeks. On Friday XX/XX/XXXX we reached XXXX who finally sent the information on to their back office and we received a phone call back saying that the information was sufficient and they would refund my money within 3-5 days. After multiple phone calls over a period of two and a half weeks that totaled over 25 hours I finally received my money. It is shameful that Chase held a large sum of money and had no pathways to help to resolve the issue in a timely manner. The majority of the payment specialist did not care to help me and incorrect information was given multiple times. Each phone call lasted over 90 minutes some over 3 hours. Chase 's customer service is really horrible. Thankfully, my personal banker helped me with these phone calls and I was able to get my money back. Had I not had him, I believe that this issue would not have been resolved.
Consumer complaint received 2018-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (MD)

I have been trying to get a loan mod from Selene Finance for over a year. 
Selene Finance has refused to give me any notification that they denied my loan modification request. I was only told over the phone by XXXX that my loan mod request was denied 5 times and there was no reason for the denial. Now they are notifying me that they will auction my house on XX/XX/2018. 

At mediation earlier this year, the lawyer for Selene Finance lied in mediation three times in front of the judge. He said he had sent me a loan mod package. He said I did not accept a loan mod package he sent. And he said that I had never sent a loan mod package ( which contradicts his first two lies ) ; He presented a loan mod package in mediation which was basically saying pay the same mortgage you can't afford to pay.
Consumer complaint received 2018-08-01
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. (FL)

Experian have took XXXX XXXX XXXX  of my credit report and then again put back on my credit report. if something is charged off, doesn't that mean they no longer have the " Apparent Verified '' contract and have written off the debt? Therefore, should be delete. provide me with copies of all documentation associated with these items that have been placed in my credit report, bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, any items negatively reporting, needs to be immediately deleted from the credit file you maintain under my name and social security number .I dispute XXXX XXXX XXXX : incorrect balance, payment history, last payment made, last activity, date account was opened, high balance, amount pass due, account number.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

XXXX XXXX- ACCOUNT SHOW LATE IN XX/XX/2018, XX/XX/2018. IT SHOWS A BALENCE OF {$48000.00}. MY TOTAL LEASE AMOUT IS {$18000.00} AND {$14000.00} REMANING ON 28 PAYMENTS. I PROVIDED THEM WITH BANK STATEMENT TO SHOW AUTOMATIC WITHDRAWL AS WELL AS LETTER FROM XXXX XXXX, AND THEY KEEP PUTTING BACK IN DISPUTE INSTEAD OF UPDATING. I AM TRYING TO GET MORTGAGE