davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (SD)

OnXX/XX/2018 I received a call at XXXX XXXX. US Bank called me. I answered the phone the caller stated her name and asked for the name she was calling for. I asked her to identify the name of the company she was calling for. She evaded the question. I informed her per cfpb when you are making an outbound call and the person who answers asks you to identify your company name you are required to do so. She refused. We went in circles for 2m and 32sec all the while her harassing me trying to trick me into stating my name or verify I was who she was calling. I repeatedly told her she was in violation of cfpb and eventually she just hung up on me. I XXXX the number she was calling from and found it to be US Bank I called them and went around and around with them for 26 minutes. They didn't seem to care they were in violation of cfpb requirements. I just called and verified they did not have my number marked as dnc as per my request onXX/XX/XXXX.
Consumer complaint received 2018-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: National Default Servicing Corporation (CA)

NATIONAL DEFAULT SERVICING CORPORATION XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ARIZONA XXXX Re : Letter dated XX/XX/XXXX We need all and any documents that pertain to my loan ( not one or any documents should be a secret or confidential and hidden from us ). 
Any remaining documentation being requested and will not be fulfilled and or provided will be unduly burdensome to me and to my family! 
Letter dated XX/XX/XXXX No document to be privileged or proprietary! I have every right and more benefits to demand every document from the past to present that is connected to my loan, no secret documents should be kept from homeowners and from any authority. 
I need all corporate assignments of deed of trust from XX/XX/XXXX to present. The one on record dated XX/XX/XXXX was produced under fraud, therefore under the California and federal law it is void, cancelled and has no validity. I need copies of all original notarized documents and its original notary book with thumbprint and a current affidavit signed under penalty of perjury of all authorized staff, notaries, attorneys etc. that have been involved in dealing with my loan from XX/XX/XXXX to  present, to verify and validate that my loan was handled in accordance with all Federal and State laws. The original deed of trust was recorded on XX/XX/XXXX not XX/XX/XXXX plus many more discrepancies, please have a forensic document examiner review all documents pertaining to my loan, from XX/XX/XXXX to  present.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The account was opened to assist my family during the pandemic. I faulted on the loan due to lack of work. I contacted the company I was informed the account would be closed however they never closed the account and reported it late for 4 years. I settled the account with the company and the account was finally closed however the account is list as currently delinquent. This is hurting my ability to purchase my first home.
Consumer complaint received 2018-03-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Financial Credit Service, Inc. (WA)

On XX/XX/XXXX, a person called me without identifying themselves as a debt collector and asked me to identify myself. He proceeded provide my social security number and address and state that I had a debt with XXXX. I stated I have no memory of any such debt nor do I any such company on my credit report ( I know every creditor on my report and I have NO derogatory accounts on it at this time ). He stated that it had fallen off my credit report. He then said he could prove by his data that I was a " XXXX ''. He then proceeded to tell me that if I did not pay him right then he would file a wage garnishment that day and I would have to " Burn my debit card '' because he would empty my bank account. I then asked him if he had obtained a judgement against me in the courts he said no. I called him out on that since he would need a court order to garnish me. At this point the person hung up on me. 

I called the company back asking for the name, address and license information for the company. The person who answered the phone stated the company was ARA Inc but refused to provide further information about the company. I felt at this time the company was a scam but I have since received letter from the company. I am in the midst of requesting validation of the debt but I felt that this initial attempt to collect debt was sufficiently predatory to merit a complaint on it's own for the following reasons : 1. The caller did not identify themselves as a debt collector.

2. They refused to provide their company information when requested.

3. They threatened immediate action for which they did not have legal standing in an attempt to intimidate me.

4. Called me derogatory names in an attempt to shame me.
Consumer complaint received 2018-03-21
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Control Technology, Inc. (FL)

Summary : XXXX XXXX was negligent in the handling of XXXX XXXX forms needed to have tuition payment submitted to the accounting department within a timely manner, which ended-up having them take a strong collection against me and utilizing a collection agency that is not licensed in Florida where I reside ; over an incident that occurred during the fall of XXXX. Additionally, the business office of XXXXXX/XX/XXXX is now, which I believe, is trying to cover-up that collection because they submitted to XXXX XXXX on XX/XX/XXXX the deferment letter I sent to them during the fall of XX/XX/XXXX, which was a requirement of XXXX XXXX. The representative, XXXX XXXX, Recovery Specialist Business Office, Direct Line : XXXX, called me on XX/XX/XXXX to let me know that she was authorized to reduce my debt by {$200.00} off the {$1900.00}. She also stated that she would call-back XXXX  XXXX XXXX to avoid any further collection from them. As of XX/XX/XXXX, my collection report shows that the balance of {$1900.00} is still being reported by the collection agency, with a new update on XXXX that was reported XX/XX/XXXX. 

My earlier conversations, which extend back more than a year or so, have argued with the business office that I was demanding the school take responsibility for the mishandling and negligence of my XXXX XXXX Form that would have allowed the school to receive payment for the Fall Semester, especially when there was money available on my XXXX XXXX account. The school refuses to admit fault. 

On XX/XX/XXXX, a call was placed to XXXX at XXXX XXXX, which I had left a message on her voicemail with my findings on how I thought it was odd that her department would send over the Deferment letter to XXXX XXXX on XX/XX/XXXX. I also stated that the collection agency was still reporting and that I was now going to file official complaints against the collection agency and the school for their inappropriate handling of my account and the hardship the collection agency is doing to my credit file.
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-03-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MI)

I applied for a loan on the phone with US Bank. I was told I would get an application to sign and that I would also have someone calling me on Monday, XX/XX/XXXX, this was Saturday XX/XX/XXXX. I had waited a week and I never received a call or an application. 

I called on Monday XX/XX/XXXX and I had asked for a supervisor to call me and to date I have not had a supervisor call. I tried calling a mortgage number that I had, two days in a row it is over an hour hold time and no way that I can leave a message of phone number for someone to contact me back.

I feel like this must be against disclosure and lending laws. Don't they have to get an application out to me within three days? 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a loan with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX XXXX XXXXXXXX with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. XXXX  and Experian has not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I was in the process of getting a loan, when the bank told me that my credit report showed that I was late on my mortgage payment. My home was foreclosed on in XX/XX/XXXX and paid off at the sale and with the FHA loan. It is reported as a closed account on my Equifax credit report with a {$0.00} balance owed however they have not entered the date it was closed. ( XX/XX/15 ) which does show on my XX/XX/XXXX credit report. 

I have asked the bank ( XXXX DBA XXXX XXXX now ) and the attorney that handled the foreclosure to report the date to Equifax, both have told me it is the others responsablity to report the information.
Consumer complaint received 2017-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

This complaint is for both federal and Non-federal student loans. I have been having trouble repaying my student loans since I moved to Texas in XX/XX/2014. On several occasions, Navient has sent me emails with this subject line : " XXXX, Reply YES to Postpone Your Student Loan Payments ''. I replied yes on multiple occasions thinking that they would send me information of repayment plans. Well it turns out that replying " YES '' actually put my account into forbearance. I truthfully did not email read the emails initially. I did not think that they could legally change my loan status without verbal affirmation and without asking indentifying questions. So image my surprise when all of a sudden my student loans increased by thousands. Now I am hearing that I would have qualified for income based repayment which I had no idea about. I would have never agreed to forbearance.
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (WA)

I applied for a car Loan on XX/XX/XXXX and my credit file was blocked, was not provided to the dealership, however other credit reports where provided by others. You provided information that my file had insufficient information. I filed a dispute. You stated " Equifax has reviewed your complaint and its records regarding your dispute. You had a security freeze place on your credit file XX/XX/XXXX and you requested it to be deactivated on XX/XX/XXXX. If the dealership tried to accessed your file it was blocked at that time. A copy of your Equifax credit file has been mailed to the address listed on your file ; please allow 7-10 days for delivery. Please visit us at www.Equifax.com/personal to learn more. " However you are ignoring the fact that you said the freeze was removed, but it was in place on XX/XX/XXXX. Why did you refuse to provide my credit report? There was no freeze per your own account above. I have full copies of your response to the inquires. They do not say a freeze they say insufficient information, Since you will not respond here and are still blocking my report, I assume, but will pay someone today. I guess the next step is a lawsuit.
Consumer complaint received 2018-03-21
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. (NY)

Hi I am writing u because my whole credit file is fraudulent as I have never had a credit card nor have I ever applied for credit nor have I ever had any type of delinquency please remove everything including credit cards credit inquiries and delinquencys because they are all fraudulent I found out about this because the IRS said that someone filed a ax return in my name which is fraud so please remove all associated with me name. My name is XXXX XXXX
Consumer complaint received 2018-03-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NH)

Navient has made it nearly impossible for me to pay off my final debt. I have now attempted 3 times in the last month to submit a " final '' payment ( ie. the complete sum of what's left to be owed ), every time I get a message " payment reversal. '' The most recent transaction took 7 before message " payment reversal '' populated. I have called Navient customer service about the issue, and - as reported by other upset customers on this site - they claimed that my band account number was incorrect. This claim is false as each time I have deleted and reentered the bank information, on top of this, I have successfully been able to draw from this bank account with others sites and services other than Navient. I have also called my bank to be sure the issue was not on their end, they reported that my bank account number was in fact correct and fully functional ; the issue must be on Navient 's side. As time passes and Navient does nothing about this issue, interest continues to accrue! What's more, I receive NO notification from Navient when payment is reversed, so I am unaware if/when this issue happens. Navient has made it impossible for me to make any further payments towards my loans.
Consumer complaint received 2018-03-21
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: EQUIFAX, INC. (NY)

My credit score was reduced 133 points due to action taken by XXXX, because a loan payment was over 90 days late. Previously, XXXX had not given me written notice of upcoming or late payments for this loan, and also did not give me any such information when I called them. The loan payments are now current. The loan would never have become overdue if XXXX had given me written notice or provided me with the necessary information any response to my telephone enquiries. 

XXXX claims to be unable to do anything to have the bad mark on my credit removed. 

Equifax, a credit score service, told me that it was possible to get the bad mark on my credit removed, but the bad mark would then be transferred to my son 's credit report ( the loan at issue was for my son 's benefit ). 

I feel that XXXX has been unfair and abusive to me. It is no wonder that XXXX has been sued by your agency. Also, I feel that Equifax has also treated unfairly and unhelpfully. 

Any assistance this agency can provide would be greatly appreciated.
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (VA)

I signed up for service after a XXXX search. XXXX XXXX  was listed under paid section. I put in a contact submission form and they called me later that day. I was instructed about what they would do and I agreed. However right at the end the sales person asked me if I was married. I answered yes, he said great you can add your wife and no additional fees would apply. I said great, next thing I know is a credit card charge for double the amount came through. I called three times each time on phone for over two hours on hold. The fourth time I just called credit card company to dispute. Then I but in a contact form on XX/XX/XXXX to cancel service. They didn't respond until after the XX/XX/XXXX three days after another months charge to cancel. So they want to charge me again for another month and my wife as well. Total scam process. But since he is a lawyer I guess he will get away with this.
Consumer complaint received 2018-02-23
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: ERC (MI)

I was notified of this debt when it was applied on my credit report. Previously I was not aware of the balance or that this account was with this company. I have previously contacted XXXX to settle this but was told that there was no balance owed. I called ERC to pay the bill but request that this be removed from my account. I confirmed that they had the incorrect address and the gentleman by the name of XXXX ( manager ) told me that it was to bad. Per the debt collecting law, I have 30 days to be notified and then if no action is taken is placed on my credit report.
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I recently checked my Experian credit report and found inquiries I did not authorize from XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX onXX/XX/XXXX and XXXX XXXX XXXX  XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX ... Experian has not given me written documented proof I consented to these hard inquiries as required per section 605 and  section 609 of the federal credit reporting act and proof of accuracy of inquiries as required per section 623 of the federal credit reporting act.
Consumer complaint received 2018-03-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

I have about 7 loans with XXXX XXXX. Then Navient was created so I had 5 loans with Navient ( they said it was federal ) and 2 loans with XXXX XXXX ( which XXXX XXXX said its federal ). 
Around XX/XX/2017, I was literally drowning in the bills because XXXX XXXX will be taking money from my account and so will Navient. I was told by XXXX XXXX that Navient was federal so they could help me get better rates for my repayment. Navient said they were private loans and couldnt offer me anything. This went on for daysrude customer experience from different managers/supervisors. So at this point I was just consideration debt declined to just consolidate all of my loans. But a friend just told me to try Navient again. So I called one last time and someone tried to help me. Paying one fee until XXXX. However, they forgot to apply one of my loans so here I was paying the lowest rate in all 4 loans and on the other loan ( that was applied ) a double rate. Since I couldnt do that I had to use my last three forbearance. Another payment will come out in XXXX, their saying that I owe them more than the payment thats already being withdrawn from my account. I spoke to a different representative again a couple of days ago. They wanted to put me in a different program again but it wouldnt include all my loans. I am sick and tired of dealing with dishonest people. Navient has affected both my loans and my parents loans because of Dirty trickswhich just keep increasing my principal. I have no idea where to go from here.
Consumer complaint received 2018-02-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (IL)

CITI BANK CONTINUES TO STILL REPEATEDLY CALL ME ALL THROUGH THE DAY USING DIFFRENT PHONE NUMBERS A CERTIFIED LETTER WAS MAIL ON XXXX ( XXXX XXXX XXXX NUMBER XXXX XXXX XXXX XXXX XXXX WAS DELIVERED ON XXXX AT XXXX THE RETURN RECEIPT HAS NOT BEEN DELIVERED BACK TO ME YET. 
THESE ARE THE NUMBERS AND DATES AND TIME XXXX HAS CALLED. 


XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX IS AWARE OF THE CERTIFIED LETTER THAT ANY CORRESPONDENCE SHOULD BE IN WRITTING.