davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I 've contacted  XXXX  regarding an upgrade on my cellular phone. I asked if I am to upgrade will it be a soft pull or hard pull. I mentioned if it is a hard pull I do not want them to pull my credit the woman insisted it would be a soft pull and will not show up on my credit report. Well I 've just reviewed my credit report and it 's showing as a hard pull. I contacted  XXXX  behind this matter and they 've insisted once again they only do soft pulls. I am extremely upset regarding this.
Consumer complaint received 2024-10-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (NY)

Credit collection services is attempting to collect a debt on behalf of XXXX XXXX XXXX ' the debt is erroneous because I canceled the service by virtue of 'non ' payment. The collector is also attempting to contact me outside of allowable hours and is using harassing and/ or persistent techniques to collect on this erroneous debt. Additionally, the amount requested {$67.00} is not recognized as a 'correct ' amount, the company and it's agents/ representatives do not have the correct contact information for me, they can not or will not produce an original 'wet signature ' showing the 'valid " contract and any resulting 'debt ' is not enforceable. Company is also, allegedly, abusing the process by threatening negative credit impacts from a debt they can not leggaly collect upon.
Consumer complaint received 2017-08-02
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. (VA)

On XX/XX/XXXX, I contacted Equifax about my credit report and the remarks. According to the company the report stated that I had serious delinquency and public record or collection filed. I was aware of the public record but no collection files or delinquent accounts. After speaking with a supervisor I was advised that I had XXXX accounts that were charged off, one from XXXX XXXX that reported two lat payments in XX/XX/XXXX and reported a XXXX balance. I made sure I understood and this account came to Equifax reporting 1. XXXX balance 2. Charge off then two late payments. My question was if the account was paid and never reported a balance then how do you report it as been late? Then the account for XXXX 's which I disputed online with the Equifax monitoring and never received any follow up so this item should have been removed. Both accounts are older collection items and are reporting outside of the statue for reporting in which I have mentioned in my disputes. They have failed on all accounts to update and keep giving me that 30 day speech.
Consumer complaint received 2017-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (GA)

home was purchased in XX/XX/XXXXwith a loan ( {$220000.00} ) amount of 95 % ( {$230000.00} ) of what the home was worth. In XX/XX/XXXX the home was assessed by the city to be worth {$320000.00} ; I called the bank to ask for the removal of the private mortgage insurance and was told that it was not possible. They stated that I could not have an independent appraisal and that I needed to pay them to have the home appraised and even if the appraisal came back to be the {$300000.00} that would not guarantee the removal of the PMI. When I asked what was the automated assigned valve that they assessed to my property ; the bank refused to give me a value. Though in XX/XX/XXXX the property was assessed at {$330000.00} and XX/XX/XXXX {$340000.00} ; the bank has consistently maintained over the past 3 years that regardless of what the assessed value of the property is, that will not determine the elimination of PMI. I have been asking for the past 3 years to have the PMI removed based on the value of the home and the bank has refused to give me a definitive answer as to when this will happen though my loan is currently less than 70 % of the home value. <P/>In XX/XX/XXXX my monthly payment was {$1700.00}. As of XX/XX/XXXX my payment was increased to {$2000.00} without any explanation though my insurance was only increased by only {$65.00} annually and taxes between XX/XX/XXXX and XX/XX/XXXXwas only increased {$90.00} annually. My monthly payment on a 30 year fixed rate mortgage has increased {$250.00} per month without any justification or explanation. <P/>In XX/XX/XXXX I was told by the bank that my escrow account was short {$1000.00} and I needed to pay that amount to avoid an increase in my monthly payment.This amount was paid in XX/XX/XXXX to Severus but my payment was still increased. I have not received any explanation of where the money went and was not issued a credit towards the following month or a refund.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (TX)

I am writing to formally dispute inaccurate information that is currently being reported on my credit file. The information in question relates to a collection from CCS Collections with an alleged balance of {$150.00} and a status of paid, which I did not make any payment toward this debt collection agency. 

This collection is not only inaccurate, but it also violates several provisions of the Fair Credit Reporting Act ( FCRA ), specifically under : 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure the maximum possible accuracy of the information included in consumer reports. In this case, the collection account is inaccurate and should not be reported as paid when I have not made such payments.

2. 15 U.S.C. 1681i ( a ) ( 1 ) : I am formally disputing this item, and I am requesting that you investigate the validity of this debt. As required by law, I expect this investigation to be completed within 30 days. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), the collection agency is also prohibited from using false, deceptive, or misleading representations in connection with the collection of any debt, which appears to be the case here. 

I request that this collection be removed from my credit report immediately as it is inaccurate and misleading. Please provide me with a written confirmation of the deletion of this item from my credit report. If this item can not be verified, it must be deleted under the law. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that this error has been corrected.
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : Credit Collection Service Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number:XXXX  Your NAME : XXXX XXXX Your addressXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Credit Collection Services I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Consumer complaint received 2017-08-02
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Submitted a written statement detailing that the inquiry on my credit report be investigated as i have not financed or attempted to finance a loan with this company. Still remains on my credit report and XXXX  the credit reporting agency will not allow me to dispute the inquiry.
Consumer complaint received 2017-08-02
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: EQUIFAX, INC. (FL)

This company allowed someone to open several store cards in my name and every month I receive a notification saying im late on my credit report. I had no knowledge of this account until I checked my credit. I called them and they have n't resolved it yet. I also mailed a letter to credit bureau and the bank.
Consumer complaint received 2017-08-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MT)

It has now been 2 years since our house o has foreclosed. We continue to work hard to improve our credit and save money so that one day we will be able to purchase another home for our family. US Bank was the the second lien on my house. I continue to get statements from them that I owe {$47000.00} and my minimum payment {$15000.00}. During the foreclosure process in 2015 we had several conversations with US Bank and tried a short sale that did not go through. They stated if that did not go through then with the FHA Loan we had the foreclosure monies would be divided with the first and second lien holder. A lot of communication short falls and lack of follow thru with US bank has resulted. I have called and spoke with US Bank over 50 times in the last year and a half. I have told Us Bank several times I needed to know how and why I owe this amount. No one seems to know and they send me to several different departs with in US Bank. They have stated to me that they would contact me when they had a answer. This has not happened and I still have no answers. Well that has been the case since the foreclosure. We have contacted them multiple times and they never get back to us. They continue to send a statement every month with a past amount due and that is it. The overdue payment shows up on our credit report. It has been 2 years and US bank is very difficult to work with. They have not gone as far as demanding any payment or anything like that, they just send a monthly statement? This has hurt my credit report and has put very much stress on my family and I. Thanks
Consumer complaint received 2017-08-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Prince Parker & Associates (RI)

This complaint is being filed pursuant to my original complaint ( XXXX ). Received multiple calls and now a second voicemail. In both voicemails left, the person calling failed to meaningfully disclose the caller 's identity and to disclose that all communications were from a debt collector trying to collect a debt.
I found out that the caller was a debt collector by XXXX their contact information, and found the following page, which prompted me to file this report : XXXX XXXX XXXX
Consumer complaint received 2017-08-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

The company states that I have n't payed them off. I have. They are threatening and harassing me. They are threatening to come to me work place and take legal action. I know they were paid off years ago. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they took out XXXX from my checking account. There is no way I could have even borrowed that much money. If anything I have already over paid, even with interest. They say I owe one more payment and that they will go to my work place to collect.
Consumer complaint received 2017-08-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CO)

I have had this account with US Bank since XX/XX/XXXX, with very few issues. On XX/XX/XXXX my account was overdrawn by {$2.00}. I made a deposit during regular business hours in the amount of {$330.00}, on XX/XX/XXXX, which should have covered the OD. Instead the bank charged me {$72.00} worth of OD charges. My deposit was the same day. I am retired, and on a fixed income, and the bank has put me in a position, where I will not have enough $ to pay all my obligations for this month! How can I get the funds credited back, when they were fraudulently taken. In XX/XX/XXXX, I read an article describing US Banks new policy, to no longer charge OD fees, when the account is less than {$5.00} overdrawn, to begin XX/XX/XXXX. This is Discriminatory against a senior citizen, and is usery, which is prohibited by law. I think US Bank has No concern for their customers. Can you help?
Consumer complaint received 2017-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (TX)

On XXXX XXXX, 2017 I asked Navient to provide me with ALL documentation for my loans. They only provided 2 Promisary Notes for my Private Signature Student loans. I have NO documentation on my federal loans. Further more, I do n't know the specific amounts of interest, fees, or principal that I have paid on any of my loans. I suspect they have not been applying them properly which is why after 12 years, I have paid $ XXXX, which is more than my total amount borrowed, yet I still owe them a ton! I believe they are being unethical and at this point my debt should be forgiven.
Consumer complaint received 2017-03-01
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AZ)

My student loans were transferred to Navient a few years ago and I have had 4 or 5 different payments every year-my interest rates are at 7.25 % and when I question them they say it 's because my credit is not so good-yet I know my credit and the scores are in the XXXX-XXXX ranges. I have been told by several people that Navient has done this to them too and it 's not right.
Consumer complaint received 2017-08-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

I have   XXXX   loans through Navient totaling {$33000.00}. My first issue is that one loan is {$13000.00} which seems correct given what was disbursed to the school but the other is {$20000.00} which is no where near what was disbursed to the school. When I asked the company why the loan was so much more expensive they said because it had accumulated interest. My next question was why had it accumulated interest when not only had they just come due that month but the other one had not accumulated any and they could not explain and ended up putting me on an endless hold. My second issue is that my monthly payments total almost {$500.00} and I work an hourly   XXXX   XXXX   so when I called and asked about an income driven repayment plan they offered forbear offered forbearance as and option and I told them no I wanted to establish an income driven plan and they took a financial statement from me and my cosigner and i have heard nothing back from them at all. I have called asking and they say it is still being processed. It has been has been over a month now and they are not contacting me at all not even to badger me about the payment that is about to be 30 days late ( but is not yet, will be as of   XXXX   XXXX  ,2017 ). They did however call my cosigner 5 times last night (   XXXX   XXXX  , 2017 ) and told her that the financial statement she gave was not received because the call dropped. I sat with her when they took that statement and not only that but why wait a month to say " Oh the call dropped we do n't have it. '' Instead of calling me to ask where my cosigners statement was they just let me miss a payment that I have literally no way to afford. I feel like I have been cheated in order for this company to receive a late fee from me.
Consumer complaint received 2017-08-02
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)

On XXXX/XXXX/17 I applied for a Capital One secured credit card, in an effort to build up my credit. They required a {$49.00} deposit, in order to get a {$200.00} credit line. I made the deposit online, and gave them my email address.
Days went by and I received no email notification for my payment.
I received a piece of mail from them, saying my card would be coming soon, and if I have n't made my deposit payment yet, to do so online.
So I figured the first deposit never went through.
On XXXX/XXXX/17 I made a second deposit, thinking the first one was lost in the ether.
Turns out both deposits went through, the first one gave me a {$200.00} credit line, and the second deposit gave me {$49.00} additional credit.
I called them to say this is ridiculous, and is essentially theft. I overpaid them by {$49.00}. That money should either be refunded to me, or go towards a future bill. But after two long calls, with lots of " checking with other departments '', and being placed on hold, they flat out refused, and said they would pass on my information to their supervisor so as to improve their process in the future.
I told them I was very unhappy, and this is a very bad start to opening an account.
Consumer complaint received 2024-08-23
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: SYNCHRONY FINANCIAL (TX)

Paid off account, was refunded for overpaying on the account by Synchrony. Rooms to go says we owe them even though the receipt and credit line both show {$0.00} balance. Now I am in collections with {$1900.00} in debt which is incorrect and Ive been fighting this for almost 2 years.
Consumer complaint received 2017-08-02
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: National Credit Systems,Inc. (NC)

I have tried multiple times, with no success, to get validation of a debt being reported on my XXXX  and XXXX reports. I have contacted XXXX, XXXX and National Credit Systems for validation, however, the only thing I continue to receive are updates to my disputes that the account has been verified and updated. I have yet to receive documentation, as requested from either party. I 've been trying for two months now with no success. I 've sent US Certified Mail to all three parties on multiple occasions. In addition to me trying to get these two accounts being reported by National Credit Systems deleted from my credit report, there has been a third account added to my report, with an open date of XX/XX/XXXX that was not on my report prior to XX/XX/XXXX. I am not sure why this account was added to my report. The account numbers are # XXXX in the amount of {$1900.00}, # XXXX in the amount of {$500.00} and the third account # XXXX in the amount of {$2400.00}, which is the total amount of the two previous accounts added together. National Credit Systems added a third account to my creditreport combining the two totals from the previous accounts and now, it is showing that I have three outstanding accounts with this company. Not only has XXXX, XXXX and National Credit Systems failed to provide me with written documentation as to the validity of this debt, they have also not provided me with documentation as to how they went about verifying the debt. I do not believe that the debt can be validated and am asking that all three negative entries be deleted from my credit reports immediately. Finally, I checked the North Carolina Department of Insurance website to see if National Credit Systems had the permits to collect on this debt and they do not.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am filing a complaint due to the fact that these accounts are reporting inaccurate information. The account numbers do not belong to me. My accounts do not end in XXXX nor start with a -. Also if they were mine, a charge off is to show a XXXX balance. These are the accounts in question : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX Please correct this information or remove these accounts from my report immediately! as per the FCRA, you have 30 Days to correct this. Just 30 Days and not 1 day more.
Consumer complaint received 2017-08-02
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: JPMORGAN CHASE & CO. (FL)

Received notice from ya 'll relating to my concern about situation with fraud and signature with JP Morgan ( Chase ) not sure what I should do next, tried in vein to contact you by both phone # XXXX and fax XXXX ..I Tried late at night and earlier morning before XXXX XXXX XXXX  EST.. sorry nto bother you but I'am senior citizen that I feel was taken advantage of please contact me phone # XXXX or fax same number.Please be patient with me ... ..
Consumer complaint received 2024-10-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: American Credit Acceptance, LLC (IN)

1099-C was not received from American Credit " Acceptan '' Acceptance for credit reported XX/XX/year> of charged off as bad debt profit and lost write off to write off as income on my end to the IRS.