davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FC HoldCo LLC (PA)

Re : Dispute of Account XXXX Dear CFPB, I am writing to formally dispute the accuracy of the information listed on my credit report regarding the following account : Account Number : XXXX Creditor : FLAGSHIP CREDIT ACCEPTAN Status : CHARGE OFF / LATE PAYMENTS I believe that the information listed on this account is inaccurate, incomplete, or in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n. 

The account listed above is listed Clearly and concisely inaccurate as the mentioned account is showing up with a combination of late payments and a charge off with the credit reporting agencies. 

I request that you investigate this dispute promptly and remove any inaccurate information from my credit report. Please provide me with a written response to this dispute within 30 days of receipt of this notice. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2015-07-10
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Messerli & Kramer P.A. (MN)

I was notified that the company/sole owner that I am XXXX to ( I am an XXXX ) was contacted by the debt collection law firm Messerli & Kramer asking questions about me and although told I was not a employee but rather XXXX was asked to verify my name and my social security number. The owner did not give out this information however the collection law firm proceeded to state my name and social security number as well as other personal information to the owner ( my XXXX XXXX ) considered third party and asked if it was correct. This is illegal, an invasion of confidential information and a privacy issue.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I am writing to address the lack of response to my previous notice, dated XX/XX/year>, regarding the request for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX XXXXXXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX XXXXXXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. 

Furthermore, it is imperative that you notify Experian, XXXX, and XXXX to delete this information from my credit report immediately. The account in question is detailed as follows : XXXX XXXX XXXX XXXX As per IRS regulations XXXX a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. 

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations.

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the CreditoXXXX XXXX XXXX XXXX accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Consumer complaint received 2015-07-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH)

I have been getting a run around from first merit about getting assistance with down payment assistance .... They are not utilizing all the grants that are available for first time home buyers.. They promised down payment assistance and told me to apply for it myself. .. This is the worst experience I have imagined ... They then told me it was n't in the job description, told me days before closing that I need to have {$5000.00} at closing. ... No one want to help with down payment resources. .. 
My name is XXXX XXXXFirst meritLenders supervisor : XXXX XXXXLender : XXXX XXXXWe called for the district manager and left messages as well
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (CT)

XXXX / XXXX reporting is inaccurate : My history the company XXXX CLEARLY STATES THAT A LATE PAYMENT OF TRANSACTIONS OR EXPERIENCES BETWEEN the consumer and the person making the report is not included in the consumer report! 

They have violated the Fcra 15usc 168ia 2ai by reporting this transaction or experience on my Consumer Reports they have 10 calendar days to update my payment history or delete all late payments below accounts Failure to respond with deletion of the above consumer reports will result in legal actions being taken against companies for which I will also be seeking {$1000.00} per violation for! .Defamation of character XXXX. Negligent Non - Compliance XXXX. Civil Liability XXXX. XXXX Anguish XXXX. Fair Credit Reporting Act 15USC 1681 VIOLATIONS WILLFUL NON -COMPLIANCE -616 CIVIL liability FOR WILLFUL COMPLIANCE ( 15 U.S.C 1681 in
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

This account was charged off on the following date XX/XX/year> since then the account has repeatedly been updated as charged off every month, this is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX number XXXX  ( CLOSED ACCOUNT )
Consumer complaint received 2015-07-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I am contacting you in reference to a matter that I 've had to send communications to Capital One about. Everyother month Capital One XXXX reporting my auto loan on my credit report, I dispute it, it updates correctly and thenreappears. I filed bankruptcy due to having XXXX bills from the birth of my son ; however, that hasbeen discharged for XXXX years, my reaffirmation agreement with Capital One was declined by the judge. 
Nonetheless, I continue to make payments on my vehicle and will until it 's paid in full. My issue with Capital OneAuto is the credit reporting ; it 's incorrect, should n't show anything but ( account closed, bankruptcy XXXX, zerobalance ) or something of that nature. Anything other than that is a clear violation of the FCRA post-bankruptcydischarge requirements. I 've communicated with them at least XXXX times over this year alone about the same thingtrying to get it permanently resolved. To report a discharged debt as something else ( for example, '1charged off ' orhaving a balance as more than zero ) violates the provision of the FCRA that requires creditors from reportingincorrect information. XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ). it is also a violation of the FCRA if I 've notified them about theincorrect reporting XXXX several times XXXX, but then they still have not permanently corrected it. XXXX XXXX XXXX ( a ) ( XXXX ) ( b ).
Consumer complaint received 2015-07-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (PA)

XXXX was the originating mortgage holder and they did not pay my taxes after all monies were escrowed. they sold my loan to selene finance and they paid it after XXXX said they would but did not, but they paid it from my escrow acct not from funds received from XXXX and now have a shortage in escrow. selene finance then hit my escrow acct XXXX for homeowners insurance, was late with it and only paid it once in 2013 as the insurance company never received the second payment. now escrow is short yet again and my payement went up {$200.00} + a month. i have been trying to get this fixed to no avail, XXXX has tried from what they said in the emails i have from them but selene will not respond. planet home is the new servicer and has been trying but they keep getting wrong information about the problems. both XXXX have acknowledged the issue and see where the problem are but can not get my {$2000.00} + back without selene finance 's cooperation. this has been going on for over 2 years and do not know where to turn. all has been documented as well as numerous emails. 
please helpthank you
Consumer complaint received 2015-07-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I received a loan from XXXX XXXX in XX/XX/XXXX to Attend College at XXXX XXXX XXXX. I graduated in XX/XX/XXXX. I began repaying the loan to Navientas instructed in approximately XXXX XXXX, due to the fact that I couldnot afford the regular monthly payment, I was enrolled in the ratereduction program all payments were automatically withdrawn from my 'account by Navient . In XXXX XXXX I received correspondence fromNavient stating to contact them if I wanted to renew the rate reductionprogram. I submitted all information that was requested and was deniedenrollment in the rate reduction program based on my cosigner ability topay according to Navient representative XXXX XXXX because shebrought a new car and she should have brought a cheaper car which isjust as reliable and my cosigner would have been able to make $ XXXXmonthly payments. I submitted the form to release my cosigner from myloan, I met all written criteria for the cosigner to be released and was stilldenied by Navient. The $ XXXX monthly payment that Navient is demandingneither my cosigner nor myself can afford and will surely cause me todefault and ruin my credit as well as my cosigner I am asking for yourassistance in having Navient keep my payments at a amount that of nomore that {$380.00} which I can afford and also to please release mycosigner.
Consumer complaint received 2015-07-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (MD)

My daughter applied for a auto loan and was pre approved for XXXX, to purchase a car. However Navy FCU asked her for her documents for employment verification. She provided the documentation, and her offer letter that she received from XXXX XXXX in the offer letter is stated you will be hired, contingent on your drug test and background check ). Well she passed XXXX and is working XXXX. She provided all of the documents they required XXXX bank statement, pay stub, offer letter etc ). 

The lady she spoke with at Navy FCU, stated they needed a COPY OF HER DRUG TEST RESULTS ON XXXX LETTER HEAD STATING SHE PASSED THE DRUG TEST AND SHE WAS HIRED. My daughter was so upset. She told them to close her account. My question is, is she working for Navy FCU OR is she applying for an auto loan!!!! Is this standard practice or do they only ask minorities for this information or people under XXXX this question, what does the drug test results have to do with a auto loan. This is not the end of this. I am going to get to the bottom of their customer service practices and this clearly should be investigated.
Consumer complaint received 2015-07-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Forster, Garbus and Garbus (NJ)

My XXXX XXXX XXXX student loans have defaulted and I am trying to find repayment options. The company that is processing them Foster, Garbus & Garbus are not giving me all of the information I need to proceed in resolving this debt. 
Here are the following complaints:1. I have asked for proof of my loan and they have not provided it and said that legal papers they sent me should serve as proof. 
2. They do not own the loan - XXXX XXXX still owns the loan. 
3. A fair repayment plan can not be accommodated, with adequate tracking of my payments and the balances. 
3. They are providing misinformation. I have read that after 9 months of a loan being in good standing ( with monthly on-time payments ) that it can then enter a rehabilitation plan - they advised that rehabilitation no longer applies to me. 

In summation, I want to reach a fair conclusion in being able to pay off the debt monthly without it crippling my future ( employment, marriage and renting/purchasing a home ).
Consumer complaint received 2015-07-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of America Ltd. (TX)

Collection Bureaus of America has this on my credit reports and is trying to collect for XXXX XXXX ( please see attached ). 
I never had an account with XXXX AND I NEVER lived at the service address listed!!
Consumer complaint received 2015-07-10
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: JPMORGAN CHASE & CO. (IL)

I have filed for Bankruptcy- and did what my lawyer said to let them know, since I told them I get called no stop all day and night from XXXX XXXX and Chase- Starts at XXXX and goes on all day. Even on Sunday When i do talk to them they said we can work out a payment plan but I tell them I have no job and no money thats why Im filing-then they tell me you can be put in jail and loose all rights, its got me so upset,
Consumer complaint received 2015-07-10
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Valarity, LLC (AR)

On XXXX/XXXX/15 I sent Valarity LLC a certified letter stating I was aware I owed a past due balance of {$1600.00} but I am on XXXX I do currently have a financial assistance agreement with XXXX Valarity as their collection agency. I asked Valarity not to call me anymore but to send communications via mail. They received the certified letter on XXXX/XXXX/15. Since then, Valarity continues to call XXXX a day. I recognize the phone number, so I do not answer the calls. I was advised not to speak to them.
Consumer complaint received 2024-11-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/year>, TransUnion received my dispute letter requesting the removal of two inaccurate addresses from my credit report. Despite the 30-day legal timeframe, TransUnion failed to respond by XX/XX/year>. I submitted a 15-day follow-up letter on XX/XX/year>, and a final demand letter on XX/XX/year>. TransUnion claims to have sent responses, but I have not received them at my verified address. This failure to respond and improper handling of my personal information violates FCRA Sections 609 ( a ), 611 ( a ), and 607 ( b ).
Consumer complaint received 2015-07-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ASTA FUNDING INC. (TX)

my bank was levied suddenly and it was until then that I realized I had been sued. The debt was from sometime in XX/XX/XXXX-XX/XX/XXXX, the judgment was left at my mothers address, which I did use at one point as a mailing address, however, I had not received any further communication since then. I received a notice from post office for a certified letter from " XXXX & XXXX '' but it was by COD and because I did not know who that was from I did not pick up. I requested a validation of debt, they sent me the alleged creditor and amount, however, I do not recognize any of it. The alleged original amount is about {$2000.00} and now they 're saying I owe about $ XXXX. What are my rights?
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MI)

I HAD A LIEN PLACED ON MY HOME DUE TO OWING TAXES TO THE STATE OF MICHIGAN, WHICH SINCE HAS BEEN RELEASED XXXX OF THIS YEAR .... PAID IT IN FULL WITH MY REFUND, ALSO RECEIVED A LETTER STATING THE LIEN WAS IN FACT PAID IN FULL IN THE MAIL. 
THE CREDIT BUREAU ( S ) NEED TO UPDATE AND I AM SURE THIS WILL HELP MY CREDIT SCORE. THANK YOU FOR ALL YOUR HELP THIS IS A WONDERFUL VERY HELPFUL SITE, I AM SURE YOU ARE HELPING MANY!! 
XXXX XXXX
Consumer complaint received 2015-07-10
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

We have been a customer of Capital One for many years. My XXXX mother has been responsible for paying certain bills to allow her to remain financially independent ; however, her memory has been an issue of late, and I noticed that the Capital One bill was not paid timely. As soon as I saw this I paid the amount due of XXXX ( XXXX/XXXX/15 ). 

I reviewed to see why the payment was so high, as we do not use the card much and the minimum payments are normally XXXX. Due to the missed payment for XXXX and XXXX, Capital One increased our interest rate from 4.92 % to 29.40 %, effectively increasing the minimum payment from XXXX to XXXX ( more than doubled the minimum payment ). 

I called Capital One and spoke to several people who told me that per the " Terms and Conditions '' they were unable to lower the rate on the card for XXXX months. However, it will be impossible for us to pay the minimum payment of XXXX. Essentially we will go delinquent due to this drastic rate increase. 

Up until this small issue, we have always paid on time. The fact that my mothers memory contributed to this makes it even more upsetting, as I can not now explain to her why the minimum payment has more than doubled, and we are on a fixed income unable to pay that drastic increase. 

All I have asked Capital One to do is put me back to the interest rate I have been at up until a couple of months ago. XXXX rate is robbery. We are good customers who paid in full once we realized there was a missed payment. It is unreasonable for Capital One to think that customers can pay such an interest rate, especially when we have been timely all along. 

My father went into the hospital on XXXX XXXX, thus I was not thinking about this bill at that moment, but as soon as I was made aware I paid the balance due in full ( XXXX ) I promised Capital One that I would put the account on autopay so that we do not run into this problem in the future if they would lower my rate back to what it was for years ( XXXX ) ; however the reps continuously told me that they were unable to change the rate, and that I would have to pay 29.40 % for 1 year before they would review. 

That is a difference of making {$1700.00} in payments in a year to {$4400.00}. All because we missed a payment and caught up as soon as I was made aware? I told Capital One that this account will go delinquent at 29.40 % -there is no way that we can financially afford to pay almost $ XXXX over the next year. Will they help us only when we go delinquent and ruin our credit? Is that the best answer? 

No, it is not. This rate increase is punishment for a late payment that is not in character of the account. It was a mishap due to my parent aging minds, and I do not want to embarrass them telling them that the reason the payment more than doubled is because they forgot to pay the bill. 

I am only asking that my rate be put back to what it was in XXXX. 4.92 %. We can then afford to pay the minimum payments. We can not at 29.40 %. 

Thank You.
Consumer complaint received 2015-07-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: JPMORGAN CHASE & CO. (MA)

I had a few private loans with Chase for school, at the University XXXX. It was at a time when I was between the ages of XXXX and XXXX, approximately. I am now XXXX. Not only was I able to obtain these loans without a cosigner, but multiple loans. As a college student with no financial aid or help from family that was a huge deal. I always made payments and was never late. I did however lose my job and get married and leave the country. After being on a series of payments plans, I called the woman who I had been making payments through to let her know of my situation and as if there was a way to put payments on hold or to make smaller payments until I got on my feet. I was being proactive, and responsible. But the woman was cold ( as I would expect, ) and basically gave me XXXX option : to pay off thelarge lump sum or that further legal action would be taken on their end. This Scared me more than anything. What could they do? What would they do to me? I do n't want debt hanging over me, its the worst feeling in the world. Eventually I found out that all the debt was written off and my credit reports took a huge slam. Now I am trying to figure out how to build my credit back up and get those settlements off my reports as well.
Consumer complaint received 2015-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CT)

This item was originally disputed with XXXX XXXX mortgage company, who has completed their investigation and confirmed that they have NOT reported my being delinquent to Equifax Credit Bureau. I spoke with XXXX XXXX XXXX at XXXX department, XXXX x XXXX and he stated that they have NOT reported any delinquency to Equifax for XX/XX/2013. I am attaching a copy of the results of the investigation with XXXX XXXX, and XXXX XXXX said that Equifax in improperly reporting inaccurate delinquencies. I have circled the XXXX items that need to be removed from my credit file by Equifax.