davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc. (VA)

To whom it may concern, This morning ( XX/XX/18 ) I received a call from the Diversified Adjustment ( Collection Agency for XXXX ) regarding an outstanding balance I owe. The call was received at XXXX XXXX   ( EST ). The rep I spoke with was rude and wouldn't listen to my attempt at explaining that my cell phone was returned via the XXXX Label provided by XXXX and that tracking information was not available through XXXX because the package was never logged or picked up by them after I dropped the device off at a local XXXX Drop Box. Ultimately, I advised I was not going to pay their agency and ended the call as the agent repeatedly spoke over me and would not listen. 

Later in the day I received a 2nd call from " XXXX '' at XXXX XXXX attempting to collect the debt once again. To my knowledge this is a violation of the FDCPA, hence my reporting of this issue. I did not have the name of the agent from earlier in the morning and " XXXX '' would only disclose that her initials were " XXXX XXXX ''. Upon notifying " XXXX '' that I had already spoken with someone I advised the same that I was disputing the balance. I advised " XXXX '' that I would not be paying in the near future as I am going to explore my options to further dispute the debt owed and " XXXX '' ended the call without notice ( hung up ).
Consumer complaint received 2022-05-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I mailed out letters to Equifax and XXXX on XXXX. They have yet to respond to my dispute of inaccurate information being reported and it been over 30 days. They are not adhering to their own policies with response time.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX  Bankruptcy XXXX XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address XXXX es XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX Employers : XXXX XXXX Former XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As XXXX XXXX XXXX Employers XXXX XXXX XXXX
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I received numerous documents in the mail from Capital One Bank telling me that I was prequalified to receive a new credit card from them ... They included a preference code as well as Security code to use online or when I called them in person to get accepted for this credit card ... I think that was just to bait me into their scheme.. Now get this, I have an XXXX credit score with all 3 credit bureaus and Capital One declined the credit card issuance to me after making me, the applicant go through their online website, and go through their lengthy online credit card application and then tell me that I am not approved with no reason ... They gave me no valid reason for declining me the credit card and now furthermore, I am now getting dinged on my credit reports with the 3 credit bureaus and loosing points on my credit scores with these 3 credit bureaus because off these jokers /misfits /or plain scam artists ( whatever you want to call them ) that they knew they couldnt make any real money off of me, while they say that you can pay up to XXXX % interest rate on the outstanding credit card balances based on the applicants credit worthingness. These type of banks should be penalized, fined, and I should be have my credit score returned to the proper level and score before these jokers got involved ... .. If you dont do anything about these type of business procedures, then you are not doing your job as well and should terminate your operations as well ...
Consumer complaint received 2018-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (MS)

On XX/XX/2018 I received an " attempt to collect a debt '' letter from XXXX XXXX XXXX XXXX in XXXX GA but the letter was dated for XX/XX/2018. I immediately responded with a debt validation later to send me proof that said debt belonged to me. I mailed the letter on XX/XX/2018 via Certified Mail Return Receipt. The Return Receipt ( green card ) that I received back has a stamped date of XX/XX/2018. I never received information validating this debt as I had requested in the letter. On XX/XX/XXXX, Sequium Asset Solutions LLC added this as a collection to my XXXX credit report. This company violated my rights as a consumer by ignoring my request for validation and simply adding it to my credit report.
Consumer complaint received 2018-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

Portfolio Recovery Associates XXXX has been contacting me about a debt they say I owe them, I have never done business with them, nor do I owe them any money, no credt has been extended nor any services ever rendered to me from this company. They have been calling my work place during working hours. Account # XXXX. I sent a letter to them to verify that I owe them money on this account according to the FDCPA and they could not verify through any signed contract or document between PFR XXXX and I that im responsible for the debt on this account. Thank you
Consumer complaint received 2018-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

I obtained a roll to perm loan from XXXX XXXX XXXX. The construction period loan was closed on XX/XX/XXXX. Despite the construction being incomplete, XXXX XXXX XXXX   requested me to sign a loan modification known as a Roll to Perm. This loan closed on in XX/XX/XXXX. I objected to payments, which were to be made from the funds not yet disbursed from the construction loan. Nevertheless, I made payments on a time basis to XXXX XXXX XXXX   XXXX. In XX/XX/XXXX, XXXX failed and FDIC took over the banks assets. FDIC assigned the note, mortgage, etc. to XXXX XXXX. However, I have recently learned that XXXX claims to own the roll to perm loan dated XX/XX/XXXX. This makes me wonder who was receiving my monthly payments. XXXX XXXX subsequently transferred the loan to Ocwen, who then transferred the loan to XXXX, who then declared a default in the mortgage and filed a foreclosure against me. Most recently XXXX assigned the mortgage to XXXX XXXX as trustee of some trust. Long story short, no where did I receive notification of any assignment from XXXX XXXX XXXX to XXXX. Had I know XXXX was the holder or owner of my note, I would have requested the loan to be redone as I suffered major XXXX XXXX and am XXXX  ever since. Is it possible for the someone to confirm who is the holder or owner of my note.?
Consumer complaint received 2018-11-30
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: U.S. BANCORP (NV)

XXXX has been non-compliant with removing the unverified account ( list account and account number ) which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that US BANK XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-12-01
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. (FL)

Report # XXXX for XX/XX/18. Account Name : XXXX XXXX XXXX. Account # XXXX. Date Opened : XX/XX/2009. Payment status : Account transferred to another office. Creditor contact Information : XXXX XXXX XXXX XXXX, IN XXXX. Phone number XXXX. Experian is reporting this account as " unknown '' in my credit file. This contradicts the payment status listed as " account transferred to another office. '' Experian very well knows a transferred account is considered a closed account. Experian also knows that a " transferred '' status is considered final, meaning the account is no longer active. The term " closed '' is used to describe revolving accounts, such as credit cards, that are no longer available for charges, so it would not apply to student loans, which are installment accounts. This is an education loan, thus the term " closed '' does not apply. The " terms '' for this account is also reported as " unknown '' which is incorrect. As you can see, Experian is not reporting this account 100 % accurate. This account is current and the payment status should reflect accurate information. Furthermore, this account was transferred more than seven ( 7 ) years ago and should be deleted immediately. A reinvestigation for this account is requested. Please provide the method of verification and the source which verifies the information. I have attached a copy of my Experian credit file with the errors highlighted.
Consumer complaint received 2018-11-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (MD)

On Tuesday, XXXX XXXX, 2018 at XXXX EST, I received the Closing Disclosure from Quicken Loans to sign off on. I was scheduled to close on XXXX XXXX at XXXX EST. The closing cost stated on the closing disclosure that I signed was {$24000.00}. 

At the closing table on XX/XX/XXXX, the closing costs had risen without being brought to my attention to {$29.00}, XXXX. I was told that the reason for the change was that the title transfer tax was not listed on the Closing Disclosure that was submitted to me for signing. This change was never mentioned to me until I was at the signing table. 

On XX/XX/XXXX, Quicken refused to rectify the situation and I did not close on the house. The title company told me, the day of signing and numerous times since, that this is a fine tolerance cure that I should file a complaint over. 

On XX/XX/XXXX, Quicken offered to credit my closing costs with {$1200.00}. I closed on the house XX/XX/XXXX with this credit applied only because I had received numerous threats from my realtor ( who was assigned to me by Quicken ) that I would be sued if I did not close.
Consumer complaint received 2022-05-20
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: Navient Solutions, LLC. (NJ)

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 as a Consumer reporting agency can not furnish a account with out my written instructions. 

15 U.S.C. 1692C -If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipts.
Consumer complaint received 2018-12-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (PA)

My dispute has to do with a Citibank, NA Master Card. In XX/XX/2018 fraudulent charges appeared on the activity page on Citibanks website for my card. I notified Citibank and told them of the fraudulent charges. They closed the account and issued me a new card with a new account number. However, when they brought charges over from the old card these included the fraudulent charges. I notified Citibank by phone and was told that the error would be corrected. At the same time, I discontinued use of this card. From that time until the end of XX/XX/2018, I have received no statements nor any other correspondence from Citibank. These accounts had been setup for automatic bill payment. 

In late XX/XX/2018, I received a notice dated XX/XX/2018 from XXXX XXXX XXXX stating that they were attempting to collect a debt owed Citibank for the Master Card in the amount of {$200.00}. I attempted to go onto Citibanks website to view any activity on either of the cards. No information was available because the accounts had been closed. I then called Citibank at the customer service number listed on the back of the card and was routed to their internal credit collections department. I explained the situation to them and asked for copies of the statements showing the activity on the master card. I was told that since the amount on the card was now in collections, they had no information. 

I then contacted XXXX XXXX XXXX and made the same request. They told me they would send me 12 months of statements. To date I have received nothing. 

On XX/XX/XXXX, I received for the first time a statement from Citibank for {$200.00} plus {$37.00} in fees plus {$2.00} in interest. I contacted XXXX XXXX XXXX by phone and email but have received no response from them. I contacted XXXX credit collection bureau again and was told this time that they would provide me with the last 12 months of account statements but it would take 30 days. They refused to discuss the additional fees and interest charges. 

This has effected both my husband 's and my credit score. We have excellent credit. My intent is to get this resolved as quickly as possible but I am receiving no cooperation from either Citibank nor XXXX XXXX XXXX.
Consumer complaint received 2018-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (FL)

Back in 2013 my now ex-husband and I lived in an apartment, at which point we filed for a divorce. I had spoken with the rental agent about the remaining amount owed and she assured me that I was not responsible that my ex-husband agreed and put in writing that he would be solely responsible for paying the debt. I thought this was resolved but then at some point I noticed they placed it on my credit report. They never at any time reached out to me or sent notification that I owed this debt again prior to this I was told I did not owe them and not to worry about it. Once I realized this was reflected on my credit report I did contact them and they told me I would need to pay half. I was never informed until it was too late that anything was my responsibility with this debt. I don't think it's fair that they can tell me one thing and then do something else. At no point was I working and I should have only be listed as though I was a dependent since I did not bring income into the house at the time.
Consumer complaint received 2018-11-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Security National Automotive Acceptance (NC)

Security National Auto Acceptance the loan was taken out in XX/XX/XXXX my vehicle was totaled XX/XX/XXXX the insurance company pay the vehicle off and Security National still has on my credit a charge-off amount of {$12000.00} I have asked them several times to remove this balance when the insurance company has paid the vehicle off I need this off my credit they are refusing to remove it the said vehicle is on my credit and it's keeping me from rebuilding my credit as I need to and I do not owe this this company any money
Consumer complaint received 2018-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

The credit reporting agency investigated my complaint of inaccurate information on my credit report being furnished by XXXX ( XXXX ). I advised the credit reporting agency that the furnisher failed to update information that once may have been accurate but due to payment deferments and forbearances was no longer accurate. From XX/XX/2015-XX/XX/2015 XXXX has reported late payments. I provided the credit reporting agency with a copy of the approved forbearances showing the months that were reported as late as having a XXXX balance due. 

XXXX XXXX reported XX/XX/2015 as 90 days late but reported XX/XX/2015, XX/XX/2015, and XX/XX/2015 as on time. They then reported XX/XX/2015, XX/XX/2015, and XX/XX/2015 as each 120 days late. This reporting defies logic because how can XX/XX/2015 be 90 days late but the 90 days previous are all reported as on time payments? Additionally, how can one make a late payment for a balance that is XXXX? 

The credit reporting agency has failed to acknowledge and consider official documents provided to me directly from the furnisher, on the furnisher 's letterhead that shows there was an approved deferment/forbearance for the months that were reported late. Instead they made small modifications to my payment history which did improve my score some but still do not reflect accurate information. The FTC wrote an opinion on this matter and explained that information that was once accurate but is no longer accurate needs to be updated to reflect the current information.
Consumer complaint received 2018-12-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I initially requested an investigation of a fraudulent debt on My Equifax credit report XX/XX/2018 and Equifax failed to do so. 

On XX/XX/2018 I received an email from Equifax ( as attached ) stating a reinvestigation. It has been over 30 days and the fraudulent debt from XXXX XXXX XXXX is still on my equifax Credit Report. 

XXXX  And XXXX  have both proven the debt to be fraudulent and removed & blocked it from my credit report, but XXXX  refuses to do so without validating the debt.
Consumer complaint received 2018-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (PA)

A few months ago I got overcharged with overdraft fees. I called my bank and they fixed the problem but told me that it was a one time deal. That I would have to manage my money better. I took they advice and set up alerts. I am to get alerts when my account reaches {$100.00} and another when it reaches {$50.00}, this way I won't get hit with overdraft fees. For a bit it was working but then my bank stopped sending me text alerts and stopped emailing me. When I tried to discover the problem they said that I needed to " update my contact info ''. I did that seven times and even went to the bank and called them. I thought it was resolved. Then I started noticing that my statements were coming in later. I thought it was fine since I was keeping track with my spending thanks to the app. However, on the XXXX, my bank tells me that I am over {$500.00} in debt! I was just buying groceries. They didn't post any of my transactions making it seem like I had more than I did and then they charged me overdraft fees. I went to pay for a cab and then my card was denied. I checked my account and saw what they did. I thought that they put a hold on my account since some payments didn't go threw. I knew that I was getting paid in a couple of days so I didn't sweat it but even that was a lie. They blocked some transactions but let others go threw while I wasn't monitoring it so they could charge me more overdraft fees. They charged me 11 times for overdraft fees for purchases I made a week ago that are just now coming up. All together it accounts to {$380.00} dollars. The bank is Wells Fargo.
Consumer complaint received 2018-02-19
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. (NJ)

There was a collection deleted from my credit reports in XX/XX/XXXX. On XX/XX/XXXX Experian reinserted the collection to my report. I never received any notification from them regarding the reinsertion. I contacted Experian on XX/XX/XXXX and requested this collection be deleted because it was never validated and I was never notified by them of their intention to reinsert this item to my report. On XX/XX/XXXX Experian responded with their results saying only the company, XXXX XXXX, certified the information is accurate. I have never received validation on this debt or notice of reinsertion from Experian, therefore I am requesting this item be deleted immediately from my report.
Consumer complaint received 2018-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (SC)

I am currently XXXX XXXX XXXX and have been for 20 years. My student loans were consolidated via Sallie Mae ( now Navient ) back in XX/XX/2006 and I discovered a few years back that they type of consolidated loans they recommended me into do not meet the criteria for Public Service Loan Forgiveness Program, so now I am stuck making payments on what still remains to be a {$20000.00} debt ( at 4.25 % ), when I feel I should have been guided by them to consolidate into a loan type that could have been forgiven. I have continued to make my payments on time and my account is in good standing. I am still honorably serving my country and am asking for assistance in seeing if this student loan debt could somehow still be forgiven via that program. 

Thank you for your consideration.