davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (WA)

To whom it may concern, My situation, like so many others, seems hopeless and endless in dealing with Navient Student Loan company. Over the years, I have attempted to repay student loan debt only to find myself with more fines, more interest, and rising monthly payments beyond my ability to meet. I finally in desperation contacted the student loan ombudsman group who helped me in determining that Navient had arbitrarily doubled my student loan debt through a fraudulent student loan consolidation program. Upon attempting to resolve this issue with Navient, I have been met with outrageous bills, increasing interest and penalties, and gotten no further in attempting to resolve the issue. My credit has been destroyed, and financially I survive month to month. I am a XXXX American with XXXX ; I work as hard as I can, do not receive XXXX benefits from the federal government, and contribute at the level I am able given my limitations. I need advocacy in order to financially survive and find some way to escape the unethical and abusive practices of the student loan company, Navient. I hopee that you would please help me in my pursuit to become debt free and feel like I can live a normal life without the threat of financial ruin day to day. Can you help me? 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-11-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Real Time Group, Inc. (OH)

This collection agency has been reporting late payments to all credit bureaus for a mortgage that was foreclosed on in 2013. Please see mortgage documents that states this mortgage was cancelled. They collected {$5000.00} from my husband and I while we were under duress. We 've always omitted that this debt was not ours however while trying to purchase a home this collection had proven to be damaging to our scores and the loss of a few homes because of late payment reporting. During this time we were notified by our lender that this debt in fact was NOT ours, and supplied us with legal court documents reflecting proof. Unfortunately a settlement was made, and {$5000.00} was collected from us. We are filing this complaint, as this collection agency illegally collected on a foreclosed mortgage.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : None Balance {$1000.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I called and spoke to representatives on numerous occasions and advised of my only name and address that should be on credit report. They said they were unable to do that. XXXX and XXXX had no problems updating the information. ( license attached ) They also will not remove XXXX hard inquires from " XXXX '' despite emailing and faxing a letter from XXXX stating they did pull any hard inquires. ( letter attached )
Consumer complaint received 2017-07-26
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. (NV)

This will be my 2nd request for an accurate update and to no avail has it been corrected on my credit report, nor updated.
Consumer complaint received 2016-07-07
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: ECMC GROUP, INC. (CA)

Dear Sir or Madam of the Bureau of Consumer Financial Protection, I am requesting assistance in resolving previously disputed accounts with ECMC that have remained unresolved for over two years. I have previously disputed these XXXX accounts to no avail through the CRA dispute process. ECMC continues to confirm and report the wrong date of first default. I have a total of XXXX accounts that were sent to ECMC from the original creditor ( XXXX now XXXX ) on XXXX/XXXX/XXXX. XXXX no longer operates. I have requested ECMC to correct my " date of first default '' to the correct date provided to me by the original creditor ( see attached ). In another attempt to correct the information, I contacted ECMC on XXXX/XXXX/XXXX around XXXX am to request they update all of my credit reports with the correct date of XXXX/XXXX/XXXX. I was told by a CSR that " they do not have the date of first default in their system and they ( ECMC ) are using the date they received the account as the date of first default. I told the CSR for ECMC that the date they are sending is incorrect and provided the correct date and was told they " have no way to verify that '' and it would stay as is regardless of my paperwork. In turn on XXXX/XXXX/XXXX at XXXX PST, I spoke with a customer service representative for original holder ( XXXX ) with an employee ID of XXXX and requested documentation to confirm the date the account first went delinquent. On XXXX/XXXX/XXXX I received written confirmation from XXXX that in fact the date the accounts first went delinquent was XXXX/XXXX/XXXX not the date of XXXX/XXXX/XXXX that ECMC has been reporting since XXXX/XXXX/XXXX. I requested that ECMC remove all XXXX of these accounts from all of my credit reports as they stated they were unable to verify the correct DOFD and stated they " use the day the receive the account as the DOFD '' in credit reporting. 

I ask that the Bureau of Consumer Financial Protection address these FCRA violations. I also request that ECMC remove all XXXX accounts from all credit reporting agencies as they continue to violate FCRA. Attached you will find the written confirmation of the correct DOFD for all XXXX accounts and the XXXX trade lines as they appear on my report. I ask and pray for assistance as this causes stress and harm to me.
Consumer complaint received 2017-01-09
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Data Line Credit Corp (CA)

This debt was taken off my XXXX credit report, because it was a falsely reported item that was in another persons name. I had to hire an attorney to do so. During the process to acquire a mortgage, I noticed that the debt had not been deleted off of XXXX or XXXX. I called Data Line Credit Corp, to request a deletion letter. A man who answered the phone, once he had my account number, proceeded to tell me that he never deleted the debt, and if i thought that was happening, I should " shut my XXXX mouth and try too live my life right, because he was going to sue the XXXX out of my XXXX and I would not have " a dime to jingle '' after he '' took my XXXX XXXX nickels that I had to rub together. '' I calmly stated that I just wanted another letter of deletion, as he had already provided XXXX to the credit bureau, at which point he shouted " you can not record me XXXX and hung up.
Consumer complaint received 2016-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (MI)

I have paid this. In person in full. XXXX made me pay it in order to hook up service at a new residents. They keep assuring me it will be removed and keep letting me down they tell me they will have a manager call me and no one calls me this happened five times I 'm really tired of this I paid these people and they have no record of anything! XXXX told me that I did not owe anything and they would send me a letter to send to the collection company stating that the debt was paid and not a debt any more! i 'm still waiting for a letter that was supposed to come last week I 'm not holding my breath.
Consumer complaint received 2016-07-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION (NY)

m an t bank they post transactions against my account at XXXX but post deposits at XXXX and I would get charges because I did n't have enough to cover after complaing about this I did notice last night a deposit was posted at XXXX frist time in 15 years also i deposited a XXXX dollar check they held XXXX the teller told me it would clear at XXXX for the full XXXX they also charged me {$45.00} in shipping on new checks it came by mail after fighting with them they did credit me back some
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi there. My name is XXXX XXXX. I am requesting a n investigation with Transunion. My inquiries were removed and unlawfully put back with them informing me in writing. Please look into this for me and have them remove my inquiries again as its not fair.
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OR)

Tax lien {$2600.00} Status Unreleased XXXX XXXX XXXX XXXX {$10000.00} Unsatisfied were both discharged through bankruptcy XXXX XXXX 2016 but still show on my Equifax & XXXX Credit Report. I am trying to get a mortgage loan but need this cleaned up. It took me several days to finally be able to report the disputes. I still can not access my free credit report from Equifax. I had no problem with XXXX, it was resolved in less than 12 hours. I have a XXXX son living on the streets that I need to help with housing. It is vital that the credit reports are cleaned up as soon as possible.
Consumer complaint received 2017-06-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

My daughter opened a fraudulent credit card account in my wife 's name and attached it to our bank account. It was open from  XXXX   XXXX  until  XXXX   XXXX . Chase bank is doing very little to help us. We have filed a police report.
Consumer complaint received 2017-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

XXXX / XXXX / 2015  {$78.00} THIS IS NOT MY ACCOUNT I DO NOT UNDERSTAND WHY THIS IS COMING UP ON MY CONSUMER REPORT. THE LAST OF THE DRIVER LICENSES IS NOT MINES AS WELL.
Consumer complaint received 2016-11-06
Product: Credit card — 
Issue: Credit determination — 
Company: Bread Financial Holdings, Inc. (VA)

XX/XX/XXXX I applied online for a XXXX credit card so that I could finance equipment. I received a letter from Comenity Capital Bank stating that they declined because I am XXXX years of age. XXXXHowever, I am in fact XXXX years of age. The letter of declination that I received did not notify of where they received this information, and when I contacted XXXX by telephone they refused to tell me where they received such information. 
XX/XX/2016 I received a letter from the IRS indicating that someone had fraudulently used my SSN to file fraudulent tax return. I explained this to XXXX and they still would not inform as to where they received the information regarding my date of birth. 
Then 2 weeks ago I made a purchase on the very same XXXX website using a well established Credit Card. After 24 hours I received an email from XXXX canceling my order. They are now refusing to do business with me. I called but was treated rudely by someone in Sales who refused to escalate my call to someone with more authority and more access. He instead did the same as hang up on me when he transferred me against my instruction. The next person opened a case for me stating that someone would be calling me with 24 hours or thereabouts. 
I have not heard from them in over a week. They have fraudulent information regarding my identification, they will not inform as to where they received such information and they are refusing to do business with me.
Consumer complaint received 2016-12-13
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Lending Club Corp (MA)

I have a loan with XXXX, which when first acquired the loan was told it would be easier to get additional loans and refinance for better rates. I have gotten lots of mail from them stating I was pre-approved for a new loan or to refinance. Today I decided to refinance my loan which is at XXXX % since I have not missed any payments, my credit has gotten better altogether and I have more income. The loan, which I was pre-approved for, was denied for insufficient number of satisfactory payments on my existing loan. The original loan taken out in XX/XX/2015 has almost 2 years of payment history and just over 1 year left with most of the balance paid. I have never missed a payment to date or been out of the grace period. Lending club could not answer several questions for me. If the # of payments is insufficient then why am I getting pre-approvals for a refinance? What is the required number of payments since I am XXXX 's done with them? I was told that they do n't have a specific number of payments but that every loan is different. 

This may also be a high interest lender just advertising low rates. They take investors money at XXXX % ( per website ) and make loans at XXXX % APR ( per website ). I do n't know of any borrower from them that is receiving rates below 10 %. They must make a profit as well but if they get their profit by not offering better credit borrowers the advertised low rates then its false advertising. 

I feel that this is being done to keep me locked in my loan at XXXX % interest rate, XXXX APR. With me in a better position then when I got the loan. I believe its either false advertising and discrimination to keep credit challenged individuals locked in to high rates even if their credit improves.
Consumer complaint received 2016-09-08
Product: Credit card — 
Issue: Delinquent account — 
Company: ZENCO COLLECTION, LLC (FL)

I was called by a young lady from phone # XXXX XXXX XXXX who asked me my name and when I verified my name she said I was in trouble and owed XXXX XXXX XXXX {$12000.00}. She said I was being sued and she put me through to her company 's 'legal department '. A man then got on the line and said they would sue me and garnish my wages. When I asked him the date of the debt and the name of his company, he just kept talking about how I was a lousy person for not paying my debts. I asked him a number of times for the date of this alleged debt and his company, but he got mad and hung up the phone? Back in 2008 I did have credit problems and XXXX XXXX XXXX was XXXX of the creditors I owed, but the Florida Statute of Limitations is XXXX or 5 years depending on the debt.
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NC)

Experian continues to report an inaccurate account status on a closed XXXX XXXX revolving account ( XXXX ). As of XXXX/XXXX/XXXX this debt was cancelled by XXXX and reported to the IRS as income. The account status that Experian is reporting does not reflect that the account is closed and paid in full without a remaining balance. I have been disputing this inaccurate information since XXXX/XXXX/XXXX and Experian has failed to update with the correct information or delete the account since it 's closed and outdated.
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hello, there is a 2012 Chapter XXXX Bankruptcy filing with docket number XXXX that was added on my score that I have been disputing for over 6 months to get this filing withdrawn. 

I have talked with with a lot of representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my XXXX dispute in which I am currently awaiting results. 

I called and spoke with a manager and asked from TransUnion on how credit bureaus verify their public records. I want to know this information because the bankruptcy keeps coming back as verified every time. I had XXXX representatives tell me that the dispute is sent as a message to the courthouse XXXX. Once the court verifies it, the information is transmitted back to the credit bureau. 

To make sure the correct information was relayed, I contacted the court house and they instructed me that they do n't release any information via the credit bureaus. 

I decided to call TransUnion back to speak with another manager, but this time they advised that the information is given by the contractor who contacts the court house. 

I asked what information does the contractor give to the courthouse, and how & what kind of physical information does the contractor report to the credit bureaus. They could not answer that request and just said its a form that they send over to the courthouse. 

I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. 

TransUnion refuses to give my physical documentation that they use to verify this bankruptcy is mine and reporting accurately per the Fair Credit Reporting Act.
Consumer complaint received 2017-01-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc (CA)

An account with " XXXX XXXX '' was opened in my name for {$300.00}. I did not open this account. I reported fraudulent activity to my bank when noticing money deducted from my account. Third party now put me in collections although it was identity theft.
Consumer complaint received 2016-05-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I called Bank of America to make my monthly mortgage payment, and when they processed the request they submitted a double payment to my bank account, overdrawing my account. The payment they were supposed to pull was {$750.00} and they pulled {$1500.00}. When I contacted them, I was told that I had to submit a bank statement showing the incorrect payment amount and then it could take up to XXXX hours to receive credit back. When asked why the wrong amount was taken they told me they only show the amount of {$750.00}. when asked what happens to the remaining {$750.00} they could not answer me. Their system would not let them see their error.
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Line of Credit Loan Account Number Num : XXXX Balance {$13000.00} XXXX XXXX Real State Home Loan Account Number Num : XXXX Balance {$260000.00} Dear Sir or Madam, Complaint Department I am writing to dispute seriously misleading and damaging information in my Credit Report. The items I dispute are on the attached copy of my credit report. 
These items are ( inaccurate or incomplete ) because mistakenly listed as Unknown '' ) should say paid as agreed. 

As you well know the loan modification processes was delayed by the bank. 
The reporting they said I was supposed to be later corrected. It was never done correctly on the credit report. The loan process started in XXXX/XXXX/XXXX it has been 9 year this mortgage and line of credit most be removed from my credit report. Clear up the mistake. 

Pursuant to my rights under the FRCA, this item should be deleted to accurately reflect my known credit. 

Enclosed are accurate copies to support these facts my understanding of the FRCA indicates I can expect a written response from you in the very near future. Thank you for helping to resolve this important matter. 

I really hope you will work with me on this. Please help me come up with a solution quickly to resolve the current status on my credit reporting. And keep your word as to credit reporting should be latter corrected Sincerely, XXXX XXXX
Consumer complaint received 2016-07-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

I refinanced my loan with Carrington Mortgage LLC in XXXX of this year 2016. As early as this month, my mortgage payment has gone up again. When I contacted Carrington in XXXX 2016, they assured me that my monthly payment would not go up. They told me that there should not be another escrow analysis done until next year. For whatever reason, my monthly payment has now gone up again. I only refinanced a few months ago! I have to wait on the phone for literally 45 minutes to an hour to get an " explanation '' that does not make sense. I can also not make more than XXXX payment online per month. Ever since Carrington took our loan from XXXX XXXX XXXX it has been a nightmare.