davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

My student loan debt is $ XXXX, dating back to XXXX of 2006 when I graduated. I have paid for 11 years almost $ 20k ( {$1800.00} per year ) in payments and virtually none of these payments have been applied to principle. I am simply paying Navient interest and getting nowhere. I have the option to change my plan, but I feel that I have been wronged because I have made no progress in 11 years. I was never explained how it worked and feel that because I was a young student I was taken advantage of. I have a family to provide for, which requires all of my income now. I recently lost a second job ( XXXX XXXX ) and this has impacted my ability to continue to pay these loans, although I have never missed a payment. I would like help in getting these balances forgiven.
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 status incorrect
Company: Experian Information Solutions Inc. (LA)

In XX/XX/XXXX, we had a flood in XXXX XXXX. Over XXXX homes were flooded. The President declared it a National Disaster. As a result of being declared a national disaster, everyone who had a government backed loan i.e. XXXX XXXX was eligible for a disaster forbearance, in which they did not have to make payments for several months, but had to pay back every cent after the forbearance expired. Even non-government backed mortgages were giving this forbearance. Forbearance also meant that we would not get a late payment incurred or be reported late to the credit bureau. My credit report was reporting correctly until XX/XX/XXXX. In XX/XX/XXXX, XXXX decided to back date my credit report for the month of XX/XX/XXXX and state that I was 30 days late. I had forbearance until XX/XX/XXXX, however, I decided to catch up my payments on XX/XX/XXXX, mainly because I did not trust XXXX. They had already threatened to keep my insurance proceeds despite the fact that the flood damage renovations being 100 % complete. Again, it was promised to consumers that we would not be reported late due to the disaster forbearance. I had 3 other banks and 8 other loans that had the same arrangement, and yet those loans were not reported late. Several were not even government backed, so they had no obligation to give the forbearance. They gave the forbearance and held true to their word-no late fees or being reported late. I reported the issue to XXXX in XXXX 2017 and filed a dispute with the credit bureaus. The results of the credit bureau investigations just came in. Now XXXX is reporting me 60 DAYS LATE NOW! It just so happens that I applied for a refinance on one of my properties. I am in danger of not getting that loan now. And interest rates are rising, so this is my last opportunity. If I do get the loan, it will be a much higher interest rate because of XXXX 's incompetence. Or are they just being vile? XXXX has a history of reporting incorrectly payment history. I had issues with this last year and it took 5 months to correct it. I do not have 5 months. I may in fact lose my refinance loan if this is not corrected very soon.
Consumer complaint received 2016-11-10
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

XXXX sold my loan to Carrington I am in the process of refinancing and after several attempts XXXX and myself have not been able to get my payoff from Carrinton. 
How do we go about them giving us a payoff?
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 — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I filed a bankruptcy back in 2012, but according to the New law that took effect in July they should be taken of because of missing pertinent information. My public records need to get removed because of this new law.
Consumer complaint received 2017-08-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX XXXX, 2017 at approximately XXXX XXXX central standard time an international wire transfer was made from an XXXX XXXX checking account in the amount of {>= $1,000,000} XXXX pesos at an exchange rate of XXXX per 1 American dollar of which no monies where received into my U.S. Capital one checking account. The funds were successfully withdrawn from the XXXX account but never deposited into the Capital One account. We are concerned that it might have reached another account or that there was a mistake in between that needs to be fixed. XXXX bank has provided proof that the withdrawal transaction was successful but no monies were actually received into the Capital One account. Both parties have declined any wrong doing or responsibility for the missing money. Capital One has requested a federal reference number which XXXX can not provide. We have confirmed that all checking account numbers, routing numbers, swift codes and names where correct at the time for the transaction.
Consumer complaint received 2017-10-19
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. (GA)

XXXX company have multiple collections acont for the account from XXXX XXXX XXXX I Already pay the account and this company duplicate this account in my report and this affects Moro my credit
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 status incorrect
Company: Experian Information Solutions Inc. (MO)

Attempted to contact Experian about the issue XXXX XXXX, 2017. Experian denied my request to review the account and repair the issues. I have student loan accounts that are all showing missing payments for dates of which the accounts were in forbearance. There is also a collections account that was closed in a recent bankruptcy.
Consumer complaint received 2017-10-19
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: North Shore Agency, LLC (MA)

Date : X/XX/2017 called to the XXXX XXXX XXXX XXXX for a debt I owe but the lady from the XXXX XXXX XXXX was very rude to me I want to negotiate the amount in the past bill but very pushy and a bully to me, I told her that I live in a XXXX XXXX with my children who has XXXX but did n't care, she want the money from me which I do n't have in the moment I want to make settlement for XXXX which is 80 % of the amount of XXXX of the XXXX and also another settlement for XXXX for my husband 's XXXX XXXX bill as well but again very rude and unprofessional. 

I just to pay my debts off with respect not be harassed in the phone. 

please we need help to pay our debts fast as possible. 

thank you.
Consumer complaint received 2017-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (TX)

To Whom it XXXX Concern : After viewing a copy of my credit report, I noticed a XXXX collection accounts placed on my credit report from you this in XXXX account # XXXX and # XXXX. 
I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. If any fees are owed and documentation is provided that info should have also been forwarded to XXXX and XXXX. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( XXXX ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the XXXX does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and XXXX authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 

Provide a copy of my signature with the provider of service to release my medical information to you. 

Cease any credit bureau reporting until the debt has been validated by me.
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 status incorrect
Company: MIDCOUNTRY FINANCIAL CORP (DC)

Good evening : The information concerning the Pioneer/Mid Country Bank loan ( # XXXX ) that is on my credit file with the three credit bureaus *is* being reported correctly/fairly to XXXX.
However, the information *is not* being reported correctly by Pioneer/MCB to both XXXX and XXXX.
Pioneer indicated that I must file a dispute with the credit bureaus to have information on my credit file corrected. I have already filed disputes with both XXXX and XXXX. However, as of XXXX XXXX, 2017, the results of each of their investigations claims that the information is being reported correctly to their respective companies by Pioneer/MCB. The information being reported to XXXX and XXXX is not correct. I have attached supporting documentation that shows the inaccuracies in my credit reports as of XXXX XXXX, 2017, along with proof of payment.
Consumer complaint received 2017-08-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (NJ)

Saw on credit report a collections line. Never received notice from this debt collection agency nor was offered the ability to verify the debt.
Just filed a formal letter to agency for resolution. However adding a collections line without sending a notification letter is improper. Company is Diversified Adjustment Solutions from
XXXX XXXX, MN.
Consumer complaint received 2017-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (SD)

I just received notification of a collection on my credit bureau for a company I have never heard of. It says original creditor is XXXX XXXX and the collection agency is SECURITY CREDIT SERVICES. I XXXX  XXXX XXXX and it is some type of leasing company. I have never leased anything in my life. I want this investigated immediately. I want to know where this originated, what identity documentation was used. I 'm very concerned that my identity has been stolen.
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

To Consumer Bureau : This complaint is directed to The office of Consumer Affairs Equifax I place several complaint about this organization. To this day I have not receive any notification of the many many violation they have committed. I have document every papper since I have been under " OCA to repair my credict file '' My point here is they need to be investigate I swear they are abusing their power if your organization does not place any investigation them who will? if CFPA does not then you are giving them the necesary tool for their representation and granting them the rigth to treact United State Citizen. Shame on then when responding to the complaint as they really are working on something? Does this sounds fixing my file and reporting accurate information when this is the fact : They have block m, y phone number to place calls to then in other words they not sure how they did it but I ca n't not longer call from my phone line if i do then there is a message your call can not go true. They have block access to my file when I repedatly explain to them that I was in the midle of job hunting for consulting work so my file dissapear unless I calll and then they will release it it is crazy. My life is at theeir mercy what I am a criminal? No scores Incorrect names not mine place permanently of file with incorrect social security number. denied me to tell me the source that is reporting it. Saying that is correct how is impossible. did they show any identification that proof that? I know there is not unless is fradulent created. So if this sound to you that they are woroking on my file, I let you be the judge for that and if feel there is a violation I will beg you to investigate. I am not the only only one with this issue.
Consumer complaint received 2017-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch (MD)

I am writing in response to a collection company ( Second Round LLC ) that is reporting an alleged debt ( # XXXX ) on my credit report that they have not, to date, been able to provide me with supporting legal documentation stating that ( 1 ) the debt belongs to me ( 2 ) the fact that they have the legal authority to collect anything from me. I have sent this company debt validation request multiple times, disputed this alleged account with XXXX, XXXX and XXXX when I first received correspondence from them in 2016. In return, ( Secound Round LLC ) sends me an acknowledgement of my request for validation and ask for me to supply " their company '' with documentation of my personal information in order to validate this account. I 'm baffled because I do n't understand, how they are validating the information with the credit Bureaus but do n't have the information?! This derogatory information remains on my credit report to date without being validated. How does this happen? How is that even possible? I initially disputed the information with Second Round LLC back in 2016 requesting debt validation to include the alleged balance and calculation from the opening to the closing of this account, it being sold or transferred, proof that the account is correct and information that the statute of limitations are valid with the alleged account and have not expired, signed documents showing that I agreed to pay this debt and agreement that grants them the authority to collect this debt. To date, I have not received any legal obligation from them that I am responsible for this debt. The company in question Second Round LLC, has been unable to provide me with any form of legal validation. This is inaccurate information and therefore ; according to the law should be deleted from my report because it has not been validated by the company actually providing the information. I would like to note that since submitting a complaint about this company ( for the 2nd time ) to CFPB and the BBB, this inaccurate and erroneous information appears to have been deleted from my XXXX file but not my XXXX credit file. I am asking for a complete removal of this account from the remainder of my credit report immediately. Per the FCRA, the credit bureau is required to report timely and accurate data and any inaccurate information that can not be validated should be deleted.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

For the past year i have been contacting TransUnion about 4 accounts they continue to report in my credit history that do not belong to me. Whenever i call i am transferred to another department but no one answers i am forced to leave a message, i never get a call back. I have been dealing with this like i said for about a year-its very frustrating. Transunion File Number XXXX
Consumer complaint received 2017-10-19
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I tried to open up a business account and I was approved and then they were asking for other information that wasnt pertaining to the type of business that i have. I have a consulting business that consists of services for consumers to learn how to clean their credit for free and how to find their ancestors. They company repeatedly kept asking me for a description of the business and i would send it over and over. Then they sent a statement stating that i had requested business credit and I have never requested business credit.
Consumer complaint received 2017-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MN)

Shell Point Mortgage took over my mortgage in XX/2016. We got notice of the fact. Two months ago we got a letter saying whats past due. We have NEVER GOTTEN A MONTHLY STATEMENT. I am in bankruptcy. My mortgage is not part of the bankruptcy. I have no online access. They will also not talk to me when I call them.
How many laws were broken here? We have no idea of our monthly payment or interest rate. Have no idea how our payments have been applied. No contact is allowed except they do take my payments!!
HELP!!!!!
Consumer complaint received 2016-09-29
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (FL)

Your company cashed checks from the insurance. THIS AUTOMOBILE WAS IN A FLOOD AND TOTALED OUT. Nothing received mentions that. At the time of the sell did you disclose that this automobile was in a flood? I do not agree with this statement says I owe XXXX when I had insurance and the car was deemed totaled out. I need some help
Consumer complaint received 2017-08-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (DC)

I executed a transfer from my Ally Online Savings Account to my Ally Interest Checking account via my logged in online account. Ally Bank duplicated the transaction, such that the amount was transferred a total of 2 times. The second transfer was made in the absence of any instruction from me to do so, and shows as counting against the Regulation D 6 transfers per monthly statement cycle. I immediately notified Ally of their error, and requested that the wrongly duplicated transaction be reversed so as to not count against my 6 allowed transfers for the month. Ally told me this could not be done, and that the duplicated transaction would in fact count as a distinct transaction for Regulation D purposes. Ally offered to execute a third transaction, moving the duplicated amount back into the Savings account, but that does not resolve the issue, as I could potentially need to make use of all 6 of my allowed transfers out of Savings. I was told the same thing by both a chat representative and their supervisor once escalated. I do not believe Ally has resolved this issue. My position is that Ally has taken away the ability to make 1/6 of my allowed monthly transfers, and failed to either rectify the issue or compensate me for lost freedom under Federal law. Furthermore, Ally 's refusal to to reverse their own errors is concerning due to the impact this could have on other customers were they charged overdraft fees due to a duplicated transaction. Luckily, the second transaction Ally made did not overdraft my account and I was not charged a fee, but I believe other customers who experience the same issue could be subject to fees. Given that even determined customer complaint could not resolve the issue, I am concerned other depositors could be harmed by Ally 's negligence in future.
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: Experian Information Solutions Inc. (GA)

XXXX submitted the results of investigation # XXXX and continues to double report XXXX XXXX Account # XXXX. There is only one XXXX XXXX Account for an auto loan. Further, the last payment was made on/before XX/XX/XXXX but XXXX reports the last payment as XX/XX/XXXX. Additionally, XXXX continues to confirm the same report on the XXXX XXXX XXXX XXXX Account in dispute. XXXX reports a charge of of {$22000.00} and I have repeatedly disputed this amount. XXXX appears to be overstating the amount charged off on/around XX/XX/XXXX significantly. Further, on information and/or belief, XXXX sold this debt to a factoring/collections agency and is no longer the rightful owner of the debt but XXXX has continued to report a monthly past due amount which is patently false. XXXX no longer has standing but continues to report erroneously and XXXX  perpetuates the misreporting by verifying my name and social security number but NOT the facts of the complaint.
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX, Tax Lien reflecting on my credit report with all three bureaus in error. This started back in XXXX 2017 when State sent a lien XXXX to create a judgement. I paid this account within 2 days of notice and the judgement had not even been processed. I have experience a tax lien on my previous home but it had a XXXX balance. I had to obtain tax lien release for my home that had already been paid in full. I am presently experiencing this being reported to credit bureaus which is incorrect. This should not have made it far as it did. Also I have a collection account {$190.00} for XXXX ( XXXX XXXX ) reported and I had never received a bill, email or phone call. I had paid it in full once I received notice that it was reported to the credit bureau. I have placed a dispute for this account. It appears this new law that was passed has made this situation worse with the credit reporting for me not better. I am now in the process of purchasing a home and this could possibly hinder me, but I am trusting XXXX for favor
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Pursuant to the FCRA it is the responsibility of the credit reporting agency to police the use of the ability to allow anyone to obtain access to my credit report without my written permission. Request hard injury to be removed immediately, Also I feel credit reporting agency do a better job of policing the use of credit access from agencies that abuse there authority