davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/year>, I sent a formal letter to XXXX XXXX XXXX requesting validation of a debt as per federal law 15 U.S. Code 1692g - Validation of Debts. As of today, several months have passed, and I have not received any validation from XXXXXXXX XXXX XXXX 
This failure to provide debt validation within the required XXXX period, as mandated by law, is not only non-compliant but also illegal. Attached are copies of my original letter dated XX/XX/year>, along with the certified mail receipt confirming the date of my request ( Sent same letter to XXXX different XXXX XXXX XXXX  Addresses ). 
Given that XXXX XXXX XXXX  did not validate this debt within the legally required timeframe, I hereby demand that Equifax immediately remove this wrongfully reported account from my credit report. The continued presence of this unvalidated debt is causing me significant and ongoing harm, and it is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ). 
The account that must be deleted is as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX XXXX Reported Balance : {$11000.00} Balance
Consumer complaint received 2017-07-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (CO)

Hello, I am a XXXX XXXX Veteran when I transistioned out of the service in XX/XX/XXXX-XX/XX/XXXX I fell into a state of homelessness and was unable to pay my bills. Since then I have been able to somewhat recover and attempt to get back on track with my financial responsibilities. During this period I was unable to pay my cell phone bill with XXXX XXXX XXXX. They have since sold my debt to collection companies ( multiple ). AFNI inc opened : XX/XX/XXXX amount : {$1400.00} Original creditor : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX amount : {$1400.00} Original creditor : XXXX XXXX My complaint is the fact that they sold my debt to multiple companies who are currently both trying to collect on me. How can I be forced to pay my debt twice to XXXX seperate companies. I have attempted to dispute this information on my XXXX, XXXX  and XXXX credit reports to no avail. I have been told I can not dispute that fact that they are the same account because the orginal creditors are not the same ( XXXX XXXX XXXX, XXXX XXXX ).
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Hi, my name is XXXX XXXX .I Am writing to delete the following information from my credit report. Pursuant to 18 USC 8, I owe no debt. The companies listed below are violating my consumer rights to privacy pursuant to 15 USC 1681b.Company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 Furthermore, There are also inquiries that were not authorized by me. With that being said, that also makes me a victim of identity theft. I demand that the inquiries and items listed are to be deleted to correct my credit report.Please delete the items as soon as possible.this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. 


Please address the matter promptly and confirm the removal of the disputed entries.
Consumer complaint received 2016-11-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: The Leviton Law Firm, Ltd. (MN)

My name is XXXX XXXX and I own XXXX XXXX in XXXX, MN. We have been continuously harassed by XXXX for a contract my agent XXXX XXXX supposedly signed at a real estate conference in XXXX XXXX. We started receiving statements in the mail for a service neither XXXX or I knew what services they provide. I received them at my office and started forwarding them back to XXXX because it clearly seemed like a scam to me. Several representatives started calling XXXX and than eventually me to demand we pay the balance. We stated numerous times we had no idea what this was for and that we wanted a copy of the contract. We never received it. 

We contacted XXXX around XXXX XXXX, 2016 to speak to a representative and were referred to a XXXX XXXX, a customer relations specialist ( XXXX XXXX ). She sent a copy of the contract to us and it was incredibly apparent XXXX 's signature had been forged and our company was listed as " XXXX XXXX ''. She insisted we send a copy of XXXX 's driver 's license so they could compare signatures. We told her we were not comfortable with that in fear we were being scammed. 

The case was referred to a collection agency who we told numerous times we had been scammed and would not be paying the balance. 

Recently, we received a letter from a Leviton Law Firm dated on XXXX XXXX on XXXX XXXX demanding we pay the difference. I drafted a letter back XXXX XXXX to a XXXX XXXX stating XXXX was an independent employee with no company ownership and was not authorized to sign anything on behalf of the company and that this was not a legitimate claim. Furthermore, that we did not want to be harassed any further on this manner. 

Today I received a call from a XXXX XXXX ( sp? ) XXXX Ext XXXX saying he was with the XXXX XXXX team threatening litigation. I advised we had no idea who XXXX was, had never used their services, and that we had been scammed. I asked if he even had a copy of the contract and he said no. It was clear his whole point of the call was to argue and not resolve the manner. Just do a simple XXXX search for this guy and you can see he 's a scam artist. 

I will not put up with these kind of threats and damage to our reputation. Please look into this manner ASAP with XXXX and the Leviton Law Firm. 

Thank you
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IL)

I attended The XXXX - XXXX from XX/XX/XXXX-XX/XX/XXXX. The school used all my information to take out the loans for me to cover the expenses. However, I was signed up for expensive subprime loans that they knew were going to fail. I was denied income based payments after the grace period. After graduation I was making $ XXXX/year as a XXXX with loan payments of over $ XXXX/month. I also believe they failed to properly allocate my monthly payments I was giving them. The payment was broken up over XXXX different loans. I have also been denied the option to consolidate. Some loans are extremely low interest while others are very high with large balance. Was only allowed to consolidate my federal loans. I have never missed a payment so why am I still being punished? Currently, XXXX loan is at 11.125 % with a balance of {$9900.00} while another is at 4.25 % with a balance of {$8600.00}. They allocated my payments to pay off the loans with the lowest interest rate first. Resulting me to have higher interest fees over the life time of the loan. XXXX of my loans have been paid off and the rate range was 2.36 % - 6.80 %. My current loans with balances range from 4.25 % - 11.125 %. This is also after the slight deduction for having automatic payment set up.
Consumer complaint received 2016-12-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I had a credit card I received at Capital One 's solicitation and had it for at least 2 years, with no late payments. In those 2 years they gave me automatic credit increases that I did not request. In XX/XX/2016, I received a vague letter from them stating they were closing my account. I inquired of their customer service department and their executive office numnerous times for a clear reason to no avail ; they closed the account. Several weeks later, I received another solicitation to apply for the same Platinum card and I applied. In XX/XX/2016, I was asked to send a copy of my social security card, a copy of a bill and a personal identification and I complied. A representative called me several days later to explain that I was approved for another Platinum card with a credit limit of {$2000.00}. After this approval, I received two additional solicitations to apply for the Platinum card yet again. On XX/XX/2016, I received a letter from XXXX. of Capital One ( letter dated XX/XX/2016 ) stating that the new Capital One card was cancelled for the same reason, I would like like for Capital One to keep one of the cards open since I constantly receive solicitations and approvals from them. If they can continue to send solicitations, and add to my credit inquiries, they should at least honor the agreement, especially since they were the ones who solicited my business on multiple occasions. I do not want to hear about internal controls not in place or excuses. I think it is time Capital One honored me as a consumer. I have all copies of letters and solicitations from Capital One if you require it.
Consumer complaint received 2016-07-19
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was in a non-profit credit management program. Each month I paid a consolidator {$700.00} and they distributed it to my creditors each month. The program has been ongoing since XXXX 2013 until present. One of the creditors was Capital One ( account number ending in XXXX ). During that time period My credit reports show XXXX payments 30 or more days past due for this account while there is no problem with the other credit accounts. The due date for the Capital One account is the XXXX of each month. I obtained electronic records from my credit management company showing that each month funds were always transferred to Capital One electronically within 30 days of the due date. In XXXX cases a double payment was made the following month when a payment was missed, but in these cases the double payment was still within 30 days of the due date the month before and so no payments were 30 or more days past due. I discussed with Capital One representatives 4 times by phone and they refused to fix it. I sent them the electronic records ( attached ), but they still refused to do anything even with the undisputable evidence. I do not think they have anything to gain from this. They are just too lazy to make any effort to fix their mistake. I think this is all electronic and it is not easy to fix and so they just ignore me. This account corresponds to 80 % of my late payments in this period and I have been denied credit due to these incorrect records. My position is that as a reporter of credit information to the bureas the law requires them to correct information when they have clear evidence it is incorrect. By not honoring their obligations as a credit information reporter they are causing financial damage to me. I want them to fix this so that I am not further damaged by their mistakes.
Consumer complaint received 2016-08-03
Product: Credit card — 
Issue: Late fee — 
Company: U.S. BANCORP (IL)

US Bank Visa Cash Rewards Credit Card The above card was automatically issued to me after US Bank acquired Citizens Financial Group. I had no interest in this card in the first place and as a result NEVER used it. I opted out of paper statements, as I thought it was wasteful constantly receive monthly statements showing a {$0.00} balance. XX/XX/2016 I received a notice from US Bank that my account had a small balance and was past due. I opened a fraud investigation and the findings were clear - this was a fraudulent charge. US Bank reversed the late fees and closed the fraud claim. I was assured that the late payment would not be reported to the credit bureaus since the one and only late payment was associated with a fraudulent charge. US Bank DID report this late payment, despite what they said, and my credit score dropped from a rating of excellent to the the low side of good. The fraud department at US Bank dropped the ball and now I 'm being told that onus is on me to open disputes with the credit bureaus. I will dispute the late payment blemish on my credit report, but this is completely UNACCEPTABLE. US Bank should be held responsible for their error and they should be working to reverse this late payment ding instead of putting the burden on the consumer.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CT)

Taking out student loans with XXXX was the worst decision my XXXX self ever made. Then when Navient it bought it things got worse. My payments are not affordable and they will do nothing to help. They sold XXXX out of XXXX to another company which I found out was because they put me in default. I have over {$80000.00} to pay back and I have only been paying interest which is so incredibly stressful considering I will never get ahead. Something needs to give. Not to even mention the handful of calls I receive every day on ever phone number including my work. They served me once with a court document from XXXX of the companies they sold a loan to and never told me about it! It 's out of control. I can only hope something will be done to stop them from holding me captive and start to work with me. If I could select ever option below about what 'best describes my issue ' I would select them all.
Consumer complaint received 2017-07-10
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. (AZ)

On X/XX/17 I sent XXXX XXXX XXXX XXXX, Transunion LLC and XXXX a letter regarding the bankruptcy being reported on my credit report, this letter informed them of inaccurate reporting and challenged the validity of the report. On X/XX/17 I received a response that XXXX XXXX had provided verification this information was correct. Prior to me sending a letter to XXXX, Transunion and XXXX, I froze my account with XXXX XXXX and have a letter verifying this was done, so there would not have been a way for XXXX, Transunion or XXXX to 'verify ' this information. Due to seeking out information and reporting public record as they are not supposed to do, my resolution is to have the bankruptcy removed from my XXXX, Transunion and XXXX credit file permanently.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to report a case of identity theft. The fraudulent accounts and hard inquiries that are still showing on my credit reports, despite my efforts to have them removed. I sent out my letter on XX/XX/XXXX, and they received it on XX/XX/XXXX. However, to this date XX/XX/XXXX, the fraudulent hard inquiries have not been removed from my credit report. 

I have also reached out to the company responsible for the fraudulent activities, they closed the accounts but that closure too is not reflecting on my credit reports yet. The fraudulent accounts on my account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please remove the following fraudulent inquiries too from my credit report : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached my FTC reports, ID, proof of address, and SS card for your reference. Please resolve this asap.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (VA)

In XX/XX/XXXX 2016, my Income Driven Repayment Plan with Navient was up for renewal so I submitted the application on Studentloan.gov. Once Navient received the application they provided me with a new payment of $ XXXX+. I could not afford to increase my payment at that time so I asked to be placed on another plan that would enable me to keep making my $ XXXX monthly payments. They said that was NOT possible but they could put me on a new plan paying {$150.00} ( the graduate repayment plan ). Did n't make any sense to me but I agreed since I was desperate. They said that once my payment date comes around I would only have to pay the {$150.00}. My XX/XX/XXXX bill was sent to me and I owed $ XXXX+ dollars. I was confused because I thought they had made the adjustments agreed upon. I called Navient a second time ; they told me now I needed to do a voluntary forbearance to correct their mistake. Again I was confused and expressed this to them but I agreed because I was desperate and did n't want the late payment to show up on my credit report. I did the Voluntary Forbearance and payed {$5.00} for the month. My XX/XX/XXXX bill rolled around and still the same issue. No change in payment. I was now angry because again they asked me to do another voluntary forbearance to correct their mistake. So now that is 2 months of interest being capitalized and time wasted with me calling them and completing numerous applications. I spoke to XXXX different individuals and kept getting the run around with each one assuring me that they had solved my issue. I have my fingers crossed to see what my XX/XX/XXXX bill will reflect.
Consumer complaint received 2016-12-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CO)

Had a XXXX conventional fixed mortgage through XXXX that originated in XX/XX/XXXX. That loan was sold to Rushmore Loan Management on XX/XX/XXXX That transaction was completed on XX/XX/XXXX ( Rushmore loan # XXXX ). 
My XXXX homeowners insurance was being paid through escrow for approximately 11yrs and the information was transferred to Rushmore ( policy # XXXX XXXX ). 
A pipe or connection burst in the condo and caused approximately $ XXXX in damages to the unit below me. While contacting XXXX to start a claim, they stated that the policy lapsed on XX/XX/XXXX and was never pain by Rushmore. Representatives from Rushmore have sent this to the " research dept. '' ( claim # XXXX ), but I have been told it may take XXXX days for them to make a decision. Can you help expedite this?!
Consumer complaint received 2016-12-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Aspen Yo LLC (NY)

I submitted a mortgage modification application for the mortgage on my primary residence at my first foreclosure settlement conference which was XXXX XXXX, 2016. The bank was instructed to send me a missing documents letter on, or about XXXX XXXX, 2016. Instead of requesting documents, I immediately received a denial, dated XXXX XXXX, 2016 stating that I would not be reviewed or offered any other modification because I previously declined a forbearance plan that was offer which the servicer feels was affordable. The forbearance offer was for 6 months and I could probably have made the payments somehow to save my property. The problem is that I can not make a {$10000.00}. down payment, and 6 months trial payments to possibly get a modification with a balloon of {$130000.00}. I am recently widowed, have XXXX children depending on me for financial support, XXXX of whom is in college full time and the down payment is just not a realistic option at this time. They did not even consider other options according to the letter. I want to pay my mortgage but I would like to be considered for a reasonable modification that is not going to jeopardize my ability to support my family.
Consumer complaint received 2016-12-06
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (OR)

My bank, Wells Fargo, erroneously reported me as being delinquent on my credit card payments and referred me to a credit bureau. When I called on XX/XX/XXXX they told me that I was paid up on my credit card and there was nothing they could do.
Consumer complaint received 2016-12-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have disputed this account several times with Portfolio Recovery. I have informed them that this account was a result of identity theft. I sent Portfolio Recovery a Fraud Affidavit and they still have not remove this account from my credit file. They are in violation of the FCRA by not removing this account from my credit file.
Consumer complaint received 2016-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (AL)

Statebridge Company or one of it 's employees cashed a check for {$3100.00} that was sent to them to be applied to my escrow account. I have called daily since check was mailed to them and have been told they had not received it. The check was issued by XXXX ins and they confirmed today that they check was cashed XX/XX/2016.After speaking with XXXX different representatives and I confronted them with the fact that they had, indeed cashed the check I request to speak with customer service manager and was instead transferred to the insurance department. They have refused to respond to my written request to apply funds to my escrow account as request.
Consumer complaint received 2016-12-20
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WV)

My husband and I are both Veterans. We are divorcing and agreed he would take the house that is in both of our names, but under my VA entitlement. We were in the process of refinancing it out of my name and solely into his. We did the quit claim deed, got his XXXX, paystub ( {$3500.00} bi-weekly ), letter of verification, everything asked for. He was set to close on XXXX XXXX and I moved forward making an offer on a home for me and our kids. Communication break downs, misinformation changing of stories started happening two weeks before closing. They could not verify occupancy which made no sense as all his XXXX and paystubs verify this is his home. I could never get our loan officer on the phone, I was either getting calls from other people in different departments. I was promised to get a call from our loan officers manager immediately, and a week later, 6 days before closing, I was told they would not be able to refinance and I needed to contact the VA directly if I wanted my name off the loan. When I called the VA, they told me I should talk to the bank because a simple modification can take my name off the loan since it was in our divorce agreement. This is USAA Mortgage.