davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (VA)

I am writing to formally request the issuance of IRS Form XXXX in relation to the cancellation of debt that has occurred with my account. After a thorough review of my records, it is clear that a significant portion of the debt has been forgiven or canceled, yet I have not received the corresponding Form XXXX, as required by the IRS. 

According to IRS guidelines, creditors are obligated to issue a XXXX form when a debt is canceled or forgiven in an amount of {$600.00} or more. The timely issuance of this form is essential for tax reporting purposes, and failure to provide it could lead to inaccuracies in my tax filings, potentially subjecting me to penalties or additional liabilities. 

I respectfully dispute the lack of compliance with this legal requirement and request that the XXXX form be sent to me promptly. Please respond to this request within 30 days, as required by federal law, to avoid further escalation of this matter. I hope to resolve this issue amicably and without the need for additional action. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-06-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Hello ; This debt was assigned to my ex-husband per our divorce court order in 2014. Toyota was notified of this assignment and his contact information was provided. Also, Toyota charged this debt off without notification of collection, and it remains on my credit report. I request that Toyota either provide a way to pay this debt off or remove it from my credit report.

Kind Regards, XXXX XXXX
Consumer complaint received 2017-10-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I am a XXXX Veteran. I was contacted by USAA and told that I was pre approved for a mortgage, and they assisted me with figuring out monthly payments, and a GFE. 
The told me about the program that the government has regarding discounted home taxes. They asked me my XXXX amount, ( 60 % ) and told me that my house taxes would be reduces by that amount. When the qualified me for the loan, and I found a home they used that number for the taxes, and it greatly reduced my monthly payment. 
At no time, did they ever explain any other parameters for that program., or state that the taxes had any chance of not being reduced by 60 %. The link they even sent me for the government program, does not say the taxes are subject to any other local parameters. 

After I closed in XXXX, I then found out that the tax exemptions have to be filed for by a certain time to be counted for the following year. Because I closed in XXXX, it was already past that point. 
I filed, and the earliest they tax exemption I would get was now 1 1/2 years away. 
I made arrangements to pay the mortgage payment that was now {$2400.00}, not the {$1400.00} they estimated me, for the time being. 
When I filed for the tax break, they could not confirm the amount, and stated I had to wait until it kicked in, next year. 
When the " tax break '' finally kicked in, I found that it was a 60 % reduction on state and federal only, NOT school, which was the bulk of the taxes. 
my tax break was barley {$1000.00}. which I get in a lump sum, and my payment is still $ 2450 monthly! 
Each school district decides how much of a break, if any, to give. This was never even mentioned to me- and would have greatly effected my decision on where I purchased my home. 
I am now stuck with this {$2400.00} payment, and just barley making the payments every month. 
I am a single mom, XXXX veteran, on a fixed budget. Not fully explaining this program, and providing me with monthly payment estimates, and qualifying me for a loan based on a number they had no control over- was completely unethical.
Consumer complaint received 2017-10-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

XXXX XXXX has called and harrassed me several times since XXXX about a credit card that I reported stolen to them. They did nothing about it. I was living in XXXX XXXX at the time. I moved to XXXX, and they somehow gained my address and phone number and continued to call and harrass me. They started to threaten to sue me. The debt is well above the amount of credit which the card was issued. On XXXX/XXXX/XXXX around XXXX, someone came banging on my door to serve me with a lawsuit. I was told that there was nothing for me to sign and I was not gicen a name of the delivering individual. After viewing the paperwork I also noticed that it shows that I am married. I never have been married, nor have I told anyone that I was married.
Consumer complaint received 2018-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (GA)

In XX/XX/2018, I discovered that my personal information was used to open a business credit card and used to attempt to open a business loan at Navy Federal Credit Union by my former employer. I contacted Navy Federal to inform them that the account opened and the account attempted to be opened was not mine and they sent me the proper documents to dispute the account and the charges made. After I successfully completed all required documents and they completed their investigation, they still ruled that the fraudulent account was mine, which indeed it is not. I have a police report and FTC Fraud affidavit and I would like them to stop badgering me for an account that was clearly opened fraudulently and I have the proper documents to prove it.
Consumer complaint received 2017-10-31
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: D2 Management LLC (TX)

I received a call from XXXX on my cell phone at XXXX XXXX on XX/XX/17 but they did not leave a message. I called the number back. The person that answered the phone did not identify the name of the company. I told her that received a call from this number and wanted to know why. I had to ask for the name of the company was was calling from. She then precede to look up information by using my cell phone number. She confirmed was my name and last four digits of my social security number. After i stated yes, she went on to say that I owe a debt to XXXX XXXX. I told her there was be a mistake. She said no and when on to say I owned approximately {$600.00} and what employer I put down at the time of the loan. I have n't worked for that employer in over 10 years so if that is the case they are attempting to collect on a debt that is over the statue of limitation. Also, she refused to provide me with any type of verification of debt. She responded that something was already sent. I do n't know how this is possible when this is the first time I 've spoken to anyone at the company.
Consumer complaint received 2017-10-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST (IA)

In XXXX XXXX we got orders that XXXX for iowa XXXX XXXX was imminent, month long guard before XXXX. In planning, a car loan through XXXX XXXX XXXX was contacted. We were told that we can defer the loan for time of XXXX of 400 days. In waiting for orders we attempted defferment in XXXX XXXX. The paperwork was lost and in XXXX we made XXXX payment. Tried to differ XXXX payment and it was n't applied till XXXX XXXX once again lost by company. After updating payments we sent in orders we now had in beginning XXXX XXXX XXXX seperate times per request of XXXX XXXX XXXX They said they were processing them. Many times we got calls for payment each time notifying them that we are waiting for deferment. They noted account transferred to management spoke with them. This went on till end of XXXX XXXX. I recieved yet another phone call. A ski, XXXX  them to please get this strainghtened out now. They notified me there is no deferment  and we need to pay approx {$1300.00} in back loan payments for it to be taken off credit report. This has negatively affected me as the significant other/co borrower and the XXXX XXXX national guard service member. Our credit report has been negatively affected and he is now worrying about this instead of the job he is there to perform. It could have been avoided by not giving false information by XXXX XXXX XXXX.
Consumer complaint received 2017-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (VA)

I am a federal government employee and my official government credit card ( Citi Card ) was fraudulently charged {$25.00} on XXXX XXXX, XXXX. Once I noticed the fraudulent charge, I called Citi Card and filed the attached Declaration of Unauthorized Use. Citi Card notified me orally and by letter that I am responsible for the fraudulent {$25.00} charge because the " card was in my possession at all times. '' I do n't dispute that the card was always in my possession but the credit card numbers of my official Government credit card were hacked and fraudulently used. I should not be responsible for these charges. As a federal employee, I am required to use my official Citi Card credit card any time I travel for an official purpose. Making federal employees liable for all fraudulent hacks of their credit card is blatantly unfair and contrary to FTC guidelines. 

I have made this assertion to Citi Card numerous times without success. I should be refunded the {$25.00} fraudulent charge.
Consumer complaint received 2018-06-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Messerli & Kramer P.A. (WI)

XX/XX/18 : was notified of a collection. when notified i was informed i would need to make payment right away or they would take legal action right away. when i notified i wasnt paying them the person on the phone became aggravated and wanted to use scare tactics like going to court and paying legal and lawyer fees then hung up the phone
Consumer complaint received 2017-10-05
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: EQUIFAX, INC. (TX)

I have provided the proper information to have the XXXX 's Account removed from my credit report. But for some reason, XXXX and Equifax are not removing the creditor from my credit report. I aid the account in full to a XXXX balance and the letter state that and shows the account should be removed.
Consumer complaint received 2018-06-18
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: EQUIFAX, INC. (CA)

I have a block on my credit files with XXXX, XXXX and Equifax. In order for me to accept or request credit the creditor must physically call me by phone and ask for permission to check or verify my file. 

This was not the case, I didn't receive a phone call from the this creditor XXXX XXXXXXXX XXXX and now I have an Inquiry on all 3 credit files as of XX/XX/2018.
Consumer complaint received 2018-06-18
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: Experian Information Solutions Inc. (TN)

On XX/XX/XXXX I received a notification in my email about a credit account, which I have no clue of. I have been a victim of identity theft in the past. My taxes was filed without my consent in XXXX. I have also been affected by the credit breach where my information was leaked. I am disputing the inaccurate information on my credit report as an internal dispute and fraudulent. The accounts that are fraudulent are as follows : 1. XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX   9. XXXX XXXX 10. XXXX XXXX I am disputing the following accounts as fraudulent and an internal dispute which takes only 3-5 business days. I will be following up with all 3 credit bureaus in a few business days to assure that the fraudulent and inaccurate information is completely and permanently removed from credit file.
Consumer complaint received 2018-06-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

I called Chase Mortgage on three different occasions and was told I was a approved for a disaster loan modification where my payments wouldnt increase and my loan would not start over, and that my payments would be rolled back into to the loan due to Hurricane Harvey back in XXXX and in XXXX I was told that I would be getting an offer letter with the terms of the payment via XXXX as of today I have not received anything, so I called Chase today and spoke to a rep whom told me that I was not approved for anything and that he couldnt guarantee me any assistance even though my home was damage during the storm which was a natural disaster for Texas, my frustration is that I have been given false and inaccurate information about the assistance of saving my home I dont believe my loan is being handled correctly I need someone who can assist me with this issue
Consumer complaint received 2018-06-18
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. (TX)

In XX/XX/XXXX a charge off account was 'DUMPED '' on my personal credit report. It was a XXXX credit card for a company, XXXX XXXX XXXX, which I was one of 3 owners of. However, I did not operate this company, a person by the name of XXXX XXXX did. He was one of the owners and had 100 % operational duties. It appears as though he secured the credit card in XX/XX/XXXXand paid it on time thru the business checking account until early XX/XX/XXXX. XXXX never once sent me a notice this card was late, or being charged off, even though I was currently doing over $ XXXX of business with XXXX. I have disputed this card since it " appeared '' on my credit file with all 3 reporting agencies, demanding that I be shown where I requested, authorized, or signed for this credit card. To date, I have not seen the application. However, even though I have disputed this account numerous times, I am only told that XXXX " determined it was mine ''. When I ask how they did that, I am never told. The only way to verify it as mine would be for XXXX to produce the actual application with my signature on it. They have not, but the agencies still " assume '' it is mine and takes XXXX 's word for it. I have a right to see the application with my signature, and the credit reporting agencies do as well, if they are truly going to verify the account is mine. Otherwise, it must be removed from my credit file.
Consumer complaint received 2018-06-18
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: Franklin Collection Service, Inc. (AL)

Franklin Collection has been reporting 4 bad collection debts to my XXXX  credit report. I contacted Franklin via certfied mail XX/XX/18 asking for " validation '' of these items. I requested proof that I am indeed the party they are asking to pay the debts, the date of alleged medical service, the name of the patient and that there is some contractual obligation which is binding me to pay the debts. Franklin responded with letters dated XX/XX/18 with a " RE : REQUEST FOR FINAL BILL '' letter. I have received a response that clearly violates my rights according to HIPAA. Franklin Collection did NOT provide me with HIPPA Release form to authorize the use or disclosure of my protected health information. Account numbers are as listed:1XXXX,XXXX, XXXX, XXXX.
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion and XXXX are showing a derogatory item on my credit reports that was removed from my credit report in XXXX. XXXX XXXXXXXX XXXX is now adding this item as a new debt in XXXX. This is a violation of the Fair Credit Reporting Act. 

I am demanding with this account be removed and receipt of punitive damages, as this is hurting my credit score and causing me time to re-dispute items that have already been removed from my credit report.
Consumer complaint received 2018-06-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

My name is XXXX XXXX and I am a XXXX veteran. About three weeks ago I went into the hospital for treatment for a XXXX I have called XXXX XXXX. My finances have been messed up since I missed a benefits pay but I have existed. Most recently I forgot ( due to my hospital entry ) to cancel auto payments on a credit card and my bank account causing my account to become overdrawn. Since then I have scrambled to come up with funds to cover the OD   and I have been charged over {$300.00} in fees by citizens. I contacted them asked to have the fees waived. I exist on about 1000 a month or XXXX a week. These fees have me in such a bad situation my health is being affected because I cant afford a XXXX XXXX. I have borrowed and begged but I need assistance from the bank at this point. I am once person one drop in the bucket and your bank doesnt need my blood. Please I am asking you to not penalize a sick man. All of the fees you have charged me is putting me at further risk and even though I am young, I am XXXX XXXX bound, am unable to XXXX and relied on my nurse for most of my purchasing. While I understand you need to make a buck off the backs of those who use your services, this XXXX XXXX   doesnt have any more space on his. 

All of these fees came about because I didnt get a transfer because I was in the hospital and sick and forgot to transfer the money to cover my auto payments but I stand by the fact if the account was over drawn Citizens shouldnt have sent THEIR auto payments. They arent responsible for the auto payments I had with XXXX and XXXX XXXX but my account was OD by {$900.00}. And look how many were fees??? How is this not predatory! And my account is STILL Overdrawn!! 

I am asking that you help me recover these funds. 
Sustained OD on XX/XX/XXXX {$30.00} Returned item fee XX/XX/XXXX {$35.00} Sustained OD on XX/XX/XXXX {$30.00} Sustained OD on XX/XX/XXXX {$30.00} Overdraft fee on XXXX {$140.00} ( Citizen bill payments were sent on an OD account while I was hospitalized ) Overdraft fee XXXX {$35.00} Overdraft fee XXXX {$35.00}
Consumer complaint received 2018-06-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TN)

I found out about Public Service Loan Forgiveness in XXXX and inquired about it with Navient who was my loan XXXX. I asked Navient to consolidate my loans and specifically asked if I was on the correct payment plan for PSLF and was told by the Navient customer service rep that everything was correct. It wasn't until XX/XX/XXXX that I learned through a co-worker that my student loans had to be transferred to XXXX XXXXXXXX XXXX. I contacted XXXX XXXXXXXX in XX/XX/XXXX to begin the process of having my loans transferred for PSLF. I again asked the customer service rep if I were under the correct payment plan to qualify for the PSLF and was told yes and it looked like I would received credit dating back to when my loans were consolidated in XXXX. XX/XX/XXXX I learned that I was in fact under the wrong repayment plan and none of my payments counted toward the 10 year PSLF program which meant that I made 4+ years of payments for nothing. Also I learned that my payments would have been less had I been under the correct plan. I was told by XXXX XXXX XXXX and Navient that nothing could be done and they were sorry that the customer service rep was not well trained in PSLF.
Consumer complaint received 2018-06-18
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Have been actively trying to work out a loan modification with Select Portfolio Servicing since XX/XX/2017. Submitted the initial package and have been sending required information as and when requested. The issues are that this information is sent over and over. We recently received notice that the property was scheduled for foreclosure auction. We immediately called and were told not to worry, that due to us being in the process for a loan modification that the auction would not proceed on the day stated. More requests came in form information ( that had been supplied several times, and receipt acknowledged by their website and via representatives we spoke to ) and this information was sent. Again the representatives of SPS said they had received the requested information. We then received a letter that the loan modification request would not proceed as they had not received the requested information, in spite of their representatives stating they had received everything that was requested.
Consumer complaint received 2018-06-18
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)

I've filed Bankruptcy in 2017 and there was a debt, XXXX XXXX, that was included in my bankruptcy. On my credit report, it is listed as a collection with an outstanding balance which is included in my Chapter XXXX Bankruptcy. After 3 attempts to dispute the item and even provided supporting documentation for the item, XXXX, Transunion and XXXX  continue to allow the item to remain on my credit report. I've demanded them to re-investigate the item and they refused.
Consumer complaint received 2018-06-18
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. (AZ)

I've filed Bankruptcy in 2017 and there was a debt, XXXX XXXX, that was included in my bankruptcy. On my credit report, it is listed as a collection with an outstanding balance which is included in my Chapter XXXX Bankruptcy. After 3 attempts to dispute the item and even provided supporting documentation for the item, Experian, XXXX  and XXXX continue to allow the item to remain on my credit report. I've demanded them to re-investigate the item and they refused.