davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TX)

On XX/XX/XXXX I opened a complaint against Rent Recovery Solutions and stated " XXXX XXXX opened the account on XX/XX/XXXX ( 4 yrs, 11 mos ago ) following my acceptance onto XXXX  XXXX I was told I no longer was liable for the amount through their management agency. Please remove this immediately. '' The company ( Rent Recovery Solutions ) responded the next day ( XX/XX/XXXX ) and stated " We are holding this account for no reporting pending a re-investigation into the complainant 's claim that she was told that she would no longer have liability. Unless and until we can complete that re-investigation with the community, we will neither collect on nor report this account to any credit bureaus. '' As you can see from the attached image the company has continued to negatively report this on my credit report multiple times after they stated they would no-longer do so. 

Before moving from " XXXX XXXX '' I was taken into the emergency room twice by XXXX and I checked myself into the XXXX XXXX XXXX XXXX where I was kept over night and treated for XXXX XXXX, XXXX, and XXXX upon given medications for my XXXX XXXX. Being that I had no family in XXXX XXXX I had no other choice than to move back to my home town 3 hours south in XXXX, Texas so that I could get the support and help of my family and medical professionals. After moving back with my grandmother, countless doctors, XXXX, XXXX, and professionals I was determined XXXX dating back to XX/XX/XXXX. 

I have medical documentation that I showed, and gave to the ORIGINAL company " XXXX XXXX '' front office staff at the time I had to leave my lease for medical reasons. They confirmed and spoke with their manager at the time, who agreed that due to the circumstances I would not be liable for this then, now, or in the future. 

This needs to be removed from my credit immediately so I can move forward with my life. This should have been removed completely on XX/XX/XXXX when the company stated they would do so, however I 've been waiting for this to get removed for several years. If you need any further documentation, I 'd be happy to provide it to you.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I 've been disputing these charges XXXX. I contacted the original lender XXXX who was supposed to be working with XXXX college with regards to the refund amount that was supposed to be sent back to the original lender. That was never completed by XXXX XXXX and the amount owed is inaccurate for only attending for a period of 8 months of a 2 year program. XXXX never sent a the original lender the refund required and the lender charged off the account due to XXXX never responding to the lender at the time so the lender sent the entire balance for collection. Please see attached documents.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Below is the Debt Validation Letter I sent to Portfolio Recovery Associates , LLC. They have not responded with the necessary documentation, and I am still being pursued for this debt. Please review the contents of the letter for the specific documentation I requested from the collector. 




Re : Request for Debt Validation To Whom It May Concern, I am writing regarding the account listed above, which you claim I owe. I dispute the validity of this debt and request that you provide me with the following information as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) : Proof that you are legally entitled to collect this debt, including a copy of the original agreement or contract signed by me.

Verification of the full amount of the debt, including any interest, fees, or other charges that have been added. 
A copy of the purchase agreement or assignment of the debt, which clearly shows the transfer of the debt from the original creditor to your company, along with the full chain of custody of this account. 
A full payment history for the debt, showing the amount that was originally owed, any payments made, and any charges added since the debt was incurred. 
Under the FCRA, you are required to provide accurate information to credit reporting agencies. Therefore, until you can provide the requested documentation, including the purchase agreement, I request that you cease all collection activities and remove any reference to this account from my credit report. 

Please consider this a formal request under the FDCPA and FCRA and respond within the required 30 days. I look forward to your prompt response to this matter. 
Best Regards, XXXX XXXX
Consumer complaint received 2017-03-04
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One reported my auto loan payments late several consecutive times. I have several credit cards with Capital One and all paid on time. Never late. I closed them because I noticed a pattern of discrimination. The higher my credit score went the more interest I paid. With my car loan, in XXXX, I was overpaying Capital One and caught them lying about what I owed. They repaired the issue. In the fall of XXXX they started overcharging me again, so I demanded they show proof. While I waited, they never disclosed their malfeasant actions toward me, they continued to mark me late. I researched all my credit reports and noticed they are all over the place, so I contacted all the XXXX and they informed me, they report only report what Capital One tells them, so why are the payments in different years and months??? Both Capital One and the Credit Bureaus, specifically XXXX stated it is ok and legal for them to be different because it happens all the time. I vehemently disagree for the following reason. 
Credit scores permeate our entire lives, and the Credit Bureaus must be accurate because credit scores impact our QUALITY OF LIFE and PROSPERITY. 
XXXXXXXX We need a good credit score to buy a home 2. A good score is needed to buy a car 3. Health Insurance premiums hinge on our credit score, not logical - it is criminal 4. Car Insurance uses our credit to offer us car insurance - it does not hinge on your driving record anymore, it depends on your credit score which is criminal. 
5. To rent an apartment - your credit score is used. 
6. Physicians are asking for credit report to obtain medical care - their reason - Dentist say, if you need major dental work, we must ensure your good for it. 
Credit Scores permeate our lives, so for Capital One, XXXX, XXXX and XXXX to have such a casual attitude is dangerous. Our Federal Government must insert FINES and new REGULATIONS for Companies and Credit Reporting Agencies to ensure they are taking consumers credit reporting seriously. 
Please ask Capital One to remove the XXXX and XXXX of XXXX late payments off my credit reports. Thank you.
Consumer complaint received 2017-03-06
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (AZ)

I received a copy of my credit report and noticed the American Honda Finance was reporting a few late payments. I requested a copy of the payment history directly from the company and they indicated it was archived. They were able to see I had an account with them since they knew the information was archived. I received correspondence in the mail that they wanted more information such as Account number, Name on account, last XXXX numbers of my social and the XXXX digit Vehicle ID number. First they did have my name because I spoke with them, they did have my last XXXX of my SS because that is how they supposedly located the information to let me know it was archived and second the account number they would have also had to know it was archived. As for the VIN number that is completely asinine this has been year ago and no longer have possession of the car or any type of paperwork that would list the vin number. All I requested was the payment history that they should have listed since it is reporting on my credit report.
Consumer complaint received 2018-11-02
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (GA)

I contacted Wells Fargo Home Mortgage in XX/XX/XXXX ( Copies of emails/correspondence will be attached ) regarding a goodwill request to remove late payments from me and my husbands credit file. My husband and I had experienced a financial hardship as a result of health problems and periods of unemployment in XX/XX/XXXX in which we were forced to refinance our home resulting in an extremely high APR of 11 % with Wells Fargo Financial ; however, we managed to keep up with our payments until we had another setback in XX/XX/XXXX-XX/XX/XXXX. Eventually, our loan transferred back to Wells Fargo Home Mortgage after all Wells Fargo Financial branches were closed. My husband and I would like to refinance our home at a lower APR but having the late payments and inaccurate lates and amounts reporting on our credit reports has been detrimental barriers to refinancing our home. This, I contacted Wells Fargo Home Mortgage asking for their help in removing the late payments as a goodwill gesture. I have also spoken with XXXX XXXX, Executive Resolution Specialist, Customer Care & Recovery Group by phone on XXXX XXXX and was informed that Wells Fargo could not do a goodwill gesture of removing negative reporting because they are bound by the federal government laws to report accurately. A few days later I sent an email to the XXXX XXXX XXXX, CEO, the Board Communications, and XXXX XXXX, Senior Executive Vice President of Payments, Virtual Somutions & Innovation. I spoke with Mr. XXXX several times by phone in XX/XX/XXXX, and he assured me he would look into my request to see what they could do. After  several days, Mr. XXXX called me back and said there was nothing they could do regarding my goodwill gesture request because they we bound by federal laws to report accurately and unless I found a mistake in their reporting. There is a mistake in their reporting regarding the amount of the late payments and number of late payments as I recently discovered when we received our current credit reports. Email and letter correspondences will be attached regarding this matter.
Consumer complaint received 2018-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stenger & Stenger, P.C (CO)

First, I never received paperwork for court date/ garnishment. I learned of my debt from my manager a week before my checks started to be garnished. He gave me a copy with their contact information. Stenger & Stenger P.C. So on XX/XX/XXXX I called them to see exactly what I was being garnished for. The lady had all my personal information correct except the year of my birthday. She said the debt was from a credit card and the amount was {$4500.00}. I told her I have never had a credit card! So she sent me to the disputing line. Gave that person all my information and they told me it could take several weeks. I called back the next week to get a update but they had no information on the dispute. So I waited a month and called back. This time I asked more questions. What company did they get my case from? what it was for again? Dates? This lady had a whole other story. It was for a car loan and the amount owed was XXXX. Gave me the previous companies name. XXXX XXXX XXXX XXXX. I gave them a call. They never heard of me and informed me they were a credit union no debt collector. Frustrated I, called Stenger & Stenger back. This time I asked they lady to just simply tell me what I'm being garnished for. All she could see was a personal loan in the amount of {$8000.00} and legal fees all XXXX. So I still have no idea what I'm paying off and its been nearly 4 months.
Consumer complaint received 2018-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Paypal Holdings, Inc (CA)

Paypal automated system tried repeatedly debiting funds from my back up Bank acct when i have already notified them in advance not to ... .due to it being frozen. well everytime they tried and failed ... it started a long negative balance. well i paid the negative overcharges first thinkin that it would make it easier when i sort it out with them. NOPE ... ..they put me on HOLD til my battery died out ... .or accidentally repeatedly disconnected my call. Well, it gets worst.Now ... .all of a sudden ... .a big gap of activity summary is missing from my list ... .n funny how it's records of the overcharges they did that disappeared. I checked and double check the data sheet ... ..i overpaid paypal {$550.00}. So ... ..PLZ ... sum 1 help
Consumer complaint received 2023-06-18
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: U.S. BANCORP (PA)

My Us Bank Credit Card Opened XX/XX/XXXX is Showing a 30 day late payment for XX/XX/XXXX I have provided the billing statement below to show proof I was never late in XX/XX/XXXX.
Consumer complaint received 2018-12-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SUNTRUST BANKS, INC. (MA)

When i first got the loan, I signed up for autopay to receive a lower interest rate. My automatic payments come out on the XXXX of each month. This month ( XXXX ), the XXXX falls on a Thursday but I do not get paid until Friday the XXXX and I won't have enough funds to cover the payment coming out on the XXXX. I contacted XXXX via email on XX/XX/18 to ask them if they can move the autopay to the XXXX just for this month. They said they could not saying that once the loan is funded they are not able to make any changes. I replied on XX/XX/18 asking if I can temporarily cancel my autopay just for the month of XXXX without having my interest rate go up. They responded saying they are not able to make an adjustment to the autopay without affecting the interest rate and told me to call them for further assistance. I called XXXX on XX/XX/18 to explain my situation and they went on to confirm that they can't do anything about the autopay without the interest rate permanently going up. 

I went to my bank that has the checking account the autopay comes out of and the cost to block the autopay is just about the same as receiving an overdraft fee. {$30.00} vs. {$35.00} but no guarantee it would work since the autopay is not a physical check. 

I find it hard to believe that XXXX can't make a temporary change to a loan to help a customer avoid an overdraft fee. It's 1 day!
Consumer complaint received 2018-12-15
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. (KS)

MY student loan was took out in XX/XX/1999 and consolidated in XX/XX/2012 but the interest keeps growing and growing with no end in sight- I was supposedly in a public service forgiveness program from XX/XX/2012-XX/XX/2017 in which I had to get out of the military with an involuntary honorable discharge. There is no way to track how many payments were considered under that program and while I am paying an income based payment my interest is not being covered so the balance has been climbing and climbing. What can I do?
Consumer complaint received 2015-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ASTA FUNDING INC. (NY)

I received a XXXX letter ( not certified ) from XXXX XXXX in NY stating my wages were being garnished for an XXXX debt from XX/XX/XXXX and judgement was filed against me in XX/XX/XXXX and never seen any correspondence because I have never lived at the address stated on the judgement. I called XX/XX/XXXX fraud department and they have nothing under my Social Security number for the cell number they gave or anything from XX/XX/XXXX. I called the law firm and they sent a notice to XXXX to withhold from garnishment. I called Social Security and claimed Identity theft and was sent an affidavit to fill out and get a police report. I called the law firm back and they will not speak to me unless a law firm is representing me. The collection agency is Palisades Collection LLC and the law firm is XXXX in NY. My credit reports no such judgement against me that was filed.
Consumer complaint received 2018-11-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened a Citi checking and savings account on XX/XX/2018 through a special offer. The terms of the offer were : Open a new checking and savings account, deposit {$15000.00} in new-to-Citibank funds into the checking or savings accounts. Maintain that minimum balance for 60 consecutive calendar days. Then receive {$400.00} in your checking account! I had deposited {$8500.00} on XX/XX/2018 into my checking and {$7000.00} into my savings on XX/XX/2018. I maintained that balance for 60 days ( 60 days from XX/XX/XXXX would be XX/XX/2018 ). I called Citi customer service on XX/XX/XXXX, and they notified me that the bonus showed as linked to my account and would post within 90 days of maintaining the balance for 60 days ( 90 days from XX/XX/XXXX would be XX/XX/XXXX ). I called again on XX/XX/XXXX, and the agent that if the bonus didn't post by XX/XX/XXXX to call again. I called again on XX/XX/XXXX, and the agent explicitly confirmed that I was eligible and should have received the bonus. The agent put a ticket for investigation ( the case number is XXXX and told me that I would be contacted by email within 2 business days. It is now XX/XX/XXXX and I have not been contacted. I have attached my transaction histories so you can see when the accounts were funded and that the XXXX balance was maintained up until today XX/XX/XXXX. Not once has Citi reached out to me despite not fulfilling their terms.
Consumer complaint received 2018-11-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (KS)

I have notified Navient at least 4-5 times that I am unemployed because of an economic hardship along with the reasons. I submitted this to you and after their response of refusing to actually understand plain English that I am unemployed, even after sending them 3 forms, and a complaint through your service, nothing was understood by them between their ears. And you closed my complaint even though it was not resolved.
Consumer complaint received 2016-09-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

Went to office Wachovia Bank. Set up a account for my parents where I had power of attorney. Bank officer did not tell me power of attorney ends with death of my parents. There is {$2500.00}. which I can not het my hands on because to probate would cost me {$2500.00}.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-08-28
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. (FL)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-09-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (NJ)

my mortgage was sold, XXXX sold to XXXX. It is being serviced byShellpont Mortgage XXXX. I applied for and was granted a modification in XXXX. by XXXX XXXX The first payment was due XXXX. The agreement states if the next XXXX payments were made on time the modification would be permanent. all payments ( XXXX ) were made on time, I have been making my payments to the new service co, shellpoint on time. They advise me they have no paper work from XXXX, and are waiting. for it They also have no paperwork from XXXX on my XXXX application. which was compleeted in XXXX My home is still in the foreclosure process even though all payments were paid on time. XXXX failed in its obligation to oversee the selling of the mortgage and that it was serviced properly.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX Balance : {$54000.00}