davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX  XXXX XXXX Reference number : XXXX
Consumer complaint received 2018-03-20
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ALTERNATIVE DISPUTE RESOLUTIONS (OH)

On XX/XX/XXXX I was contact by a woman via phone number XXXX stating that she was a legal representative for XXXX XXXX and that they were going to sue me for an bank account overdraft fees that I supposedly opened in XX/XX/XXXX. She wouldnt give me specifics other than the amount was {$1000.00} and that they was contacting me to get current address and phone number so they could file this suit. I stated to her I have never banked with XXXX XXXX and I had no knowledge of the debt. She said ok and then nothing. I thought I lost connection so I called back. I then got a gentleman stating that they could sue me. When I informed them that Ohios debt statue of limitations is 6 years and even if I did have this account they have no legal leg to stand on once again they hung up. They repeatedly call not only my personal cell phone but my family memebers trying to scare them into paying this so I dont go to jail. Im afraid they are going to get ahold of one of my elderly family memebers and they will pay it not knowing better. I wasnt given a name for the company and have been unable to find it on a reverse search on XXXX.
Consumer complaint received 2018-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TN)

I didn't know if a XXXX XXXX debt on my credit report till my mortgage loan officer said I needed to pay it. I paid the debt XX/XX/XXXX of {$180.00}. I requested a letter ( per my loan officer 's request ) stating that the debt was paid in full & will be taken off my credit report. Diversified Consultants emailed me a letter stating the debt was paid but not that it will be taken off my credit report. I called and a very hateful lady answered, saying they don't take it off the report. I asked if they put it in the report & said she yes but they don't take it off. I asked who does so I could contact them since this is the ONLY thing on my report that is stopping me from being able to close on my house. She said she didn't know. I asked when will they report to the credit bureau that the debt is paid, she said 30-45 days. I said I can't wait that long but she didn't seem to care & told me the conversation was over. My complaint is that this collection agency is quick to report but after the debt is paid in full, they don't really care to help to get it off of your report. & to top that when they reported the debt my score dropped 19 points which also disqualified me for the USDA loan. This is so wrong on so many levels & someone needs to do something about it. Please help!
Consumer complaint received 2018-03-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Consumer complaint received 2018-03-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (MO)

My son took out a private student loan, from Wells Fargo, in XX/XX/XXXX to pay for a summer schooling program at XXXX XXXX XXXX XXXX in XXXX. This summer program would not accept federal student loans. My son 's grandfather co-signed the loan. 

After attending that summer program, my son continued his education at another university, graduating in XX/XX/XXXX. At this school, he used scholarship, grants and federal student loans. 

After graduation, we - his parents, began assisting our son with repayment and we noticed that the loan interest on the Wells Fargo loan had not deferred, while he was in school, but had continued to accrue interest. Although unhappy with the large amount of interest that had accrued, we began paying on this bill. We were not aware that so much interest was accruing, and I'm not aware that we received statements about this. Online, I can only see quarterly statements posted. 

Recently, I became aware that the interest is NOT DOCUMENTED on any of the statements we received. The interest is shown in retrospect - for the year. 

Secondly, after researching what that interest may be for a month, I realized that the set monthly loan payments ARE LOWER THAN WHAT IS NEEDED TO COVER THE INTEREST ALONE. Therefore, the bank has set up a system whereby it is impossible for my son to reduce his indebtedness and they did it in such a way as his debt will grow. 

This is a big problem for consumers everywhere. I would describe this as predatory lending - inadequate disclosure, failing to fully disclose or explain the true cost of the loan. By not listing on the statement the amount of interest that is accumulating each month, and by concealing this information, I feel that they are intentional in trying to set up a risky loan structure to make it more difficult and impossible for borrowers to reduce indebtedness. 

Especially vulnerable are young adults who have recently graduated college and might be placing their trust in a well known, national banking institution. With no interest indicated on the statement, where is there a flag for them to drill down to see if they are making progress on the loan? Like us, it may take months or years to question why they do not see a dent in their overall debt.
Consumer complaint received 2018-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My car was broken into and my wallet and debit car was stolen. I found out it was broken into at XXXX XXXX   and by XXXX XXXX  I went online to canceled and close out the card and order a new one. it was successful. Then less than an hour later they allowed someone to use the card at more than 5 locations. It was only after i went into a branch several hours later to order a temp card that the bank rep asked me to review the charges and i discovered the 5 charges after i closed the card out. Then the bank ask me to wait a few days before i can make a claim and without use to my funds that they allowed to be stolen
Consumer complaint received 2018-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently I noticed a company called XXXX XXXX XXXX Reporting a debt for XXXX XXXX amount XXXX .. I called them and advised them this debt was included in bankruptcy case # XXXX chapter XXXX discharged XX/XX/05.. their response was we don't have any information about that.. when I researched this company, they attempt to collect old debt. They are still reporting this debt to the credit bureau which is affecting my credit
Consumer complaint received 2018-03-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America is guilty of unfair banking practices. This dates back to XX/XX/2012. In XX/XX/2012, I reached out to Bank of America for assistance with my ARM mortgage. I requested a refinance, however I received a short sale package at my door, this was not authorized or requested. My mortgage account is and has always been current. I did not qualify for hardship assistance as I was not having a hardship. However, in the very very difficult process of stopping the short sale process and making it clear I requested a refinance, I was told to just wait as I was included in a Department of Justice Settlement and would receive something in the mail. I was told this repeatedly as months would pass and I would call to check on the status. Over time I witnessed a few handfuls of BOA EMPLOYEES received these " DOJ Packages '' that I was told I would also receive. To date I have received NOTHING. In the mean time, I started reaching out to BOA for a refinance, every year. I have been told over and over, you are just under water we don't have options. I am the unfortunate homeowner that does not have a government loan and the home is still under water. I need help! I have an adjustable rate mortgage-the rate is going up, along with property taxes. I need the piece of mind that the payment will not increase any further and BOA just isn't offering me any options. I guess if I stopped paying which would ruin my credit, they would offer me help? I have questioned BOA as to why I never received this " settlement '' that they said I would, I asked to provide the notes regarding the DOJ conversations with me, I asked for documents from a previous complaint in which the DOJ Settlement was referred to and they will not produce anything. I have submitted my concerns through the XXXX and to BOA directly and receive NO response from them at all. I want answers and help coming up with a solution. Bank of America can help since they own my loan
Consumer complaint received 2018-04-10
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: Experian Information Solutions Inc. (IL)

i have a bankruptcy reporting on my credit report that is not mine! i have disputed this numerous times to no avail. XXXX has already removed this fraudulent information. This belongs to another XXXX XXXX.

Chap XXXX-Discharged ; XXXX XXXX XXXX  IL. XXXX. Reference # XXXX
Consumer complaint received 2018-04-10
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. (PA)

The options that I took was I believe the closest to the problem that I am having. My problem is that I believe the credit bureau TransUnion has done a criminal act to me. Sometime inXX/XX/XXXXI requested a copy of annual free credit reports from all three bureaus. OnXX/XX/XXXX TransUnion issued me a letter stating that they needed proof of my current mailing address and requested that I send them two documents that show my current mailing address. So I sent them a copy of a cancelled check and a copy of a phone bill. The cancelled check was dated XX/XX/XXXX. Check number was XXXX. The amount of the check was for {$15.00} and made out to XXXX. I also included a check in the amount of {$9.00} made out to TransUnion for my credit score from them. The check number is XXXX. On XX/XX/XXXX I received a check from TransUnion. The check number is XXXX  and they stated that the check that I sent them for the credit score was greater than the cost of the score and that they are enclosing a refund of the overpayment. The amount of their check was for {$5.00}. I did not cash this check. I called them up numerous times wanting to know why the check that I gave them for my score, check number XXXX  for {$9.00} has not been cashed by them. They said that they used the copy of a cancelled check that I gave them to show my proof of address, as the check for the credit score. Check number XXXX   for {$15.00}. Hence why the check from them for {$5.00} was issued to me. I feel they are trying to get me charged with using a copy of a cancelled check to purchase my credit score from them. As mentioned above I used the copy of my cancelled check for {$15.00} to show proof of my address. I included a check for {$9.00}, check number XXXX  for my score. They have this check, I just know it. I feel this is criminal what they have done. I called you on the phone and you were going to send me paper forms of the complaint to fill, so I could attach documents, but you have not. So I'm doing this complaint online. I hope you can look into this asap. Thank you.
Consumer complaint received 2018-04-10
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX # XXXX XXXX, Pa XXXX Date XX/XX/18 RE : XXXX XXXX, XXXX Acct # XXXX To Whom It May Concerns : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt.

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency.

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX
Consumer complaint received 2018-03-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I received a notice on XX/XX/XXXX stating that my account was past due for {$8.00}. this account was paid off in full in XX/XX/XXXX, and the account was closed. I called the number listed on the statement, but since I no longer had my card information, they were unable to help me and asked me to go into a branch. I went into the Downtown branch, but they were unable to help me and told me to call the number on the form I brought in. I explained that I already had, and they told me to resolve this issue in a branch.

No one at Bank of America has been able to help me, and I have no idea how there is a charge 4 months after this account was closed.
Consumer complaint received 2018-04-10
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. (GA)

Trans Union XXXX XXXX XXXX XXXX XXXX, Pa XXXX Date XX/XX/18 RE : XXXX XXXX XXXX Acct # XXXX To Whom It May Concerns : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX
Consumer complaint received 2018-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

I sent annual renewal documents to Navient for my Income Based Repayment Plan, and they sent me an acknowledgement upon receiving them. Then they failed to follow up with this,  completely ignoring the whole process. It is as though they don't have any obligation to their clients at all. It's been six months since I sent the renewal. 

My situation is pretty good : living in an expensive area so I can have a great job here, but unfortunately most of my income goes to rent. I still have the same position at the same employer so the IBR is the same as last year. 

As bad as this is, they did the same thing last year, I had to file another complaint with CFPB to get them to cooperate ( case # XXXX ). They finally made me whole and now they do it again. I had a similar problem the year before. They approved my IBR and completely ignored it that time as well.
Consumer complaint received 2018-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

I opened up an account with XXXX XXXX. Made a large purchase. XXXX XXXX wrote my address wrong omitting the XXXX. I did not receive a bill for 2 months. When I did I paid it in full except the two late fees that they were to reverse. They never did and they never updated my address until 5 months later. By then my debt had increased due to late fees. I explained to XXXX XXXX  they said I owed them and sent me to XXXX XXXX. I explained to them what happened and at one point by looking at my statements they confirmed my incorrect address and that I just left a balance of two late fees but refuse to remove this from my credit.
Consumer complaint received 2018-01-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (KY)

I am trying to determine whether or not my student loans will be forgiven. I am a XXXX employee and I have my ten years of service. I have been trying to get my service provider to make a determination as to whether my payments will be counted toward forgiveness. Twice, they've told me they will review my case and get back to me. They have failed to do so as of this date ( XXXX-XXXX-18 ). Six months, this has been going on. I just need to know if my loan will eventually be forgiven. They also implored me to participate in the income based repayment plan which actually caused my monthly payment to go up by {$20.00}. Please help.