davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WI)

Hello, I have been having constant problems with Navient and my " Private Loans '' for the last 7 years. I have been badgered and harassed by this company and when i explain to the people calling that I cant afford the payments they want they just say that they cant help me. I basically am in financial ruin because these loans have tanked my credit so bad that it is hard for me to provide for me, my wife, and XXXX kids. 

I have taken care of my federal loans and they are with XXXX  XXXX servicing, but they have two of my loans that are Private loans. And you are XXXX  me over!! 

I know there are plans out there for help in payments, but I was never offered any options, except for a laugh in the face and saying that there was nothing they can do and saying I was refusing to make a payment ... .. " A LIE!!! '' If they really did recorded the phone calls they would have all the conversations of me saying that I needed help and couldn't afford to make their payments. 
I thought I had a grasp on things last year but it just cam to my knowledge that it wasn't. I need this fixed yesterday. 

I want answers, I want fixes, I want things to be reported like they should be on my credit report now. I am so done. I will stand up and fight because I am done being pushed around by everyone that I have talked to from this company ...
Consumer complaint received 2018-12-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On or about XX/XX/XXXX I sent validation of debt requests to XXXX XXXX ( 2 XXXX accounts ), Portfolio Recovery Associates ( XXXX   account ) and XXXX XXXX ( XXXX XXXX ) I specifically requested that the collection agencies provide me with competent that showed I was legally obigated to pay for the negative collection accounts. XXXX, Portfolio and XXXX sent me some old account statements from years prior but did not provide me with a original contract of indebtness ( contract ) while fully knowing they would need an original contract to prove my alleged responsibility in a court of law. I also ask for their Georgia business license number showing that they were legally able to attempt debt collection in this state. I was not provided any Georgia business license number or any information showing they could operate in the State of Georgia. XXXX, Portfolio and XXXX continue to report the negative collection accounts as " accurate, verified '' on my credit report without providing me legal proof of their alledged verification which is a violation of FCRA and FDCPA. Furthermore Portfolio Recovery is in direct violation of the CFPB XX/XX/XXXX Consent order number XXXX by continual refusing to show proof of alledged verification of debt and lying to consumers by telling them debts was verified while not having account-level documentation from their electronic purchases
Consumer complaint received 2018-04-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bowen & Associates Recovery, Inc (FL)

XXXX XXXX, through Bowen and associates in Texas, is attempting to collect a debt on behalf of XXXX XXXX XXXX XXXXXXXX XXXX in Florida. This is a debt for which I have no responsibility. XXXX XXXX is trying to collect money for extra work he did that was never contracted. His contract even states extra work will only be executed upon written agreement and will then be an extra cost over and above the contract price. There is no written agreement for this extra work. My contract was paid in full upon the completion of XXXX XXXX job. XXXX XXXX is attempting to collect more than double what XXXX XXXX originally tried to collect without a contract. XXXX XXXX threatened to report this to the credit bureaus. He also told me he could file a lien against my property and that even the previous owners could be affected by this lien. This was a lie or perhaps ignorance because the lien, a mechanics lien, has to be filed within 90 days of completion of the job and he has to show breach of contract. There is no contract and it had been more than 90 days upon his first contact with me. He also failed to tell me verbally that I can dispute this debt and I never received a written validation letter for the debt. That was a violation of the FDCPA.
Consumer complaint received 2018-04-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau of Carbon County (CO)

Creditor called me about a medical bill that i was NOT responsible for. I then contacted my insurance and was told they would take care of it. The medical bill was my insurance responsibility. I was unaware of the negative report on my credit till recently. The negative mark on my report was place after insurance failed to pay my medical bill. I wasn't aware of the bill as they had been sending it to the wrong address. I have contacted both parties and gave them all information needed.
Consumer complaint received 2018-12-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I have a loan with TOYOTA MOTOR CREDIT CO XXXX Balance {$14000.00}. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and TOYOTA MOTOR CREDIT CO with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2018-12-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (NY)

I am unable to pay my mortgage on my home and I was able to obtain a short sale buyer that was willing to give the lender more than the appraised value. The offer was {$450000.00} and the appraisal was {$480000.00}, so the offer is within almost 93 percent of the appraised value. The bank is refusing to permit a short sale on this although I clearly qualify for one. I do not want a foreclosure sale or deed in lieu is this matter both of which have negative implications, while at least in the short sale it will indicate funds were paid to the bank towards the debt I owe. Furthermore, the tax implication is great because at least I know I am getting almost the entire value of the home in this short sale. If the bank takes the home or forecloses on this my accountant advise me the XXXX deficiency may be greater for the IRS and my tax liability would be greater.
Consumer complaint received 2018-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (IN)

My credit card ( XXXX ) had unauthorized transactions via XXXX XX/XX/2017. Two charges of {$370.00} from someone who had shipped something using my card number. XXXX immediately sent a new credit card and voided the charges. I received invoices from XXXX  for a remaining balance of {$110.00} and {$370.00} and called them to inform them of the fraud. They voided the charges as well so now there is a balance of {$0.00} on their end. I called Transworld Systems Inc. ( Collections ) telling them what had happened. They are saying that I owe two balances of {$120.00} and also {$420.00}. They told me they are waiting on XXXX to give them the information, but case has been closed since everything was resolved in XXXX and there is a {$0.00} balance. I am concerned about my credit score since they are trying to collect money from me that I do not owe. I filed a police report and also obtained case numbers from fedex today. XXXX said they can not reopen the case due to the date and there not being a balance. This sounds like something that should be resolved between XXXX and their collections agency, but if neither party are in contact with each other, I'm assuming my credit will take the hit if no actions are taken. I currently do not have a way to scan all of the documents into the attachments, but I am happy to provide whatever is needed via fax.
Consumer complaint received 2018-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MA)

My mortgage was with XXXX XXXX XXXX XXXX XXXX and it is serviced by Loancare LLC. 

As a condition of my mortgage, hazard insurance was escrowed and paid yearly by the servicer. 

Inexplicably, Loancare LLC stopped escrowing my hazard insurance and never sent me a notice as required by TILA. My hazard insurance was not paid and remains in lapse since XX/XX/2018. I have tried to get this fixed with Loancare. However, my home remains uninsured. 

I will not be able to afford the much larger payment resulting from the new escrow analysis ... if this ever gets fixed ... because they'll charge me going forwards for the hazard insurance, and for that which they screwed up. This will increase my current payment by as much as 25 %. I believe this to be a UDAAP.
Consumer complaint received 2018-12-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Gitsit Solutions, LLC. (MA)

We were sold by XXXX to a servicer called XXXX in XXXX. That servicer joined another company and changed its name to XXXX XXXX. in XXXX. This is when our troubles began. XXXX/XXXX   stated that they would be starting an escrow account for us because they alleged we had not paid property taxes. We should proof that these taxes were already paid and the company persisted anyway and started and escrow account increasing my mortgage by {$400.00} then added insurance ( forced placed ) which increased our mortgage by another {$200.00}. The company has refused to remove the escrow even after proof of their error was delivered to them as requested. Soon we could not make out mortgage payments. A QWR was sent to the lender and it was found that the note which is the basis of our mortgage was a forgery dating back to XXXX. XXXX XXXX then made forged documents claiming they were the servicer in XXXX when in fact the company did not have anything to do with us until XXXX when they partnered with XXXX and took over our loan. They have since sold the loan to XXXX XXXX in XX/XX/XXXX. We did a QWR to them also and not more than two weeks after receiving the documents and learning of the fraud the sold the loan to Konduar Corporation. I have sent this company a QWR request and found that XXXX XXXX has just within the past week submitted an assignment of the mortgage to KONDUAR claim ownership of the loan. Please note our original loan on the home was not in XXXX but in XXXX for the amount of {$170000.00}. The current loan when we left XXXX was XXXX some 18 years later. We have been informed that the home in XXXX was upside down in valuation. approximately XXXX we did not borrow XXXX on the home and the mortgage not is a fake document. besides no back would have made such a loan with a house upside down. The lawyer XXXX XXXX in prison for fraud on home loans and was the initial lawyer for our loan. Still, the current loan in XXXX XXXX claims to have been our servicer. This is a lie .... Now the company is threatening to foreclose on out home after 18 years of living there. we coudl use some help in this.
Consumer complaint received 2018-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX I noticed that the zero APR in the Capitol One Quick Silver card expired. I called to talk to the customer service representative around XXXX EST. Since Capitol One has been charging around $ 180 monthly finance charge for 4 months, I asked the representative to waive the last finance charge. She became very unprofessional and immature and questioned me that " you had 18 months to pay for the card '' I told her if I have the money I would have paid them. I also added that unlike other banks such as XXXX   XXXX XXXX and XXXX XXXX that I also work with and they honored my request and waived the late fee, they should also think of the customers ' financial difficulty and be more accommodating. She then started giggling as if anything is funny. I told her she is very unprofessional and she hung up on me. Since she told me that the conversation is being recorded, I would like this employee ( whom I could not even get the employee ID of since she hung up on me ) to be reprimanded for her lack of professionalism and cooperation. I have had bad experiences with Capitol One which I have not had with any other banks throughout my credit history since XX/XX/XXXX.
Consumer complaint received 2018-02-19
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. (IN)

XXXX XXXX IS REPORTING AUTHORIZED USER ACCOUNT NO XXXX THIS ACCCOUNT BELONGS TO XXXX XXXX XXXX. MY BANKRUPTCY WAS DISCHARGED ON XX/XX/2018 AND MUST BE REMOVE FROM ALL BUREAUS.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

On or about XXXX XXXX XXXX  pulled a soft credit inquiry from Equifax for 3 of my credit card accounts and based on this information my credit lines were decreased drastically. Equifax reported my credit score at XXXX on XXXX. I called the credit card department at XXXX and found the information they were using was incorrect because they based the decision on these three things. Balance owed on revolving accounts too high and i only have 20 % credit use on my credit cards per Equifax. XXXX also said Balances on accounts are too high compared to credit limits and per Equifax of the XXXX  accounts only two have a balance the remainder is XXXX balance. The last issue per XXXX the number of accounts in use is an issue. Equifax is reporting only two  accounts out of XXXX have a balance. I spoke to XXXX and because they decreased my credit limit on erroneous information the only way to fix what they broke I have to submit to a hard inquiry which will stay on my credit report for two years. I was told even then there was no guarantee which is essentially a no win situation because the credit inquiry will be mine to own for the next two years do to no fault of my own.
Consumer complaint received 2018-04-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

XXXX opened an account in my name that I didn't authorize and Wells Fargo accepted it on XX/XX/XXXX. XXXX charged my credit card which was given to them by an employee at Wells Fargo and charged me a monthly recurring fee of {$14.00}, then charged my card several times with purchases from different locations in the US through Wells Fargo and XXXX 's stores.
Consumer complaint received 2022-02-10
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: LEXISNEXIS (WI)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found an account on my credit report that was not opened by me. This is hurting me as I am in the process of obtaining credit and purchasing a home. Please remove the fraudulent account from my credit report.
Consumer complaint received 2018-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

My mortgage was transferred to Caliber Home Loans. I have everything set up for auto-pay, so I had no complaints for years. 

I sentan extra principal with my normal payment with a payment stub in XX/XX/2018. The stub indiciated that {$10000.00} was for pricinpal, and {$1300.00} was for the regular monthly payment. The lender applied the entire amount to principal on XX/XX/2018. I received a letter XXXX week saying that I did not send my monthly payment in. 

I called the lender the week I received the letter to inquire about the issue. The representative explained that they did not receive a payment stub and that the payment was applied to principal. I do not send checks by themselves in envelopes. I asked the representative to resolve the issue by applying XXXX to principal and XXXX to the regular payment on the original date. The representative put in a request to fix the issue. 

I checked the mortgage account on XX/XX/18 and noticed adjustments were made on XX/XX/18 and not backdated ( XX/XX/2018 ). Instead of resolving the issue, they took the same amount ( XXXX + XXXX ) plus the next monthly payment ( XXXX ) and applied it all to principal. So they made the situation worse. My account is now 2 months behind on payments even though they received addiitonal money. I called customer service and the representative has put in a second request to try to resolve the issue. I was told the turnaround is XX/XX/18 and it is possible the information will be reported to the credit agencies before they can resolve it. In addition, they applied a {$15.00} charge to my account on XX/XX/18 for no reason ( which was later reversed, but they did not communicate any information about this mysterious mistake charge ). 

I pay my mortgage on time and have never been late. This lender 's mistakes are at risk of damaging my credit.
Consumer complaint received 2018-12-02
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: Diversified Consultants, Inc. (GA)

On or about XX/XX/XXXX I sent validation of debt requests to XXXX XXXX ( 2 XXXX accounts ), XXXX XXXX XXXX ( XXXX   account ) and Diversified Consultants ( XXXX XXXX ) I specifically requested that the collection agencies provide me with competent that showed I was legally obigated to pay for the negative collection accounts. XXXX, XXXX and Diversified sent me some old account statements from years prior but did not provide me with a original contract of indebtness ( contract ) while fully knowing they would need an original contract to prove my alleged responsibility in a court of law. I also ask for their Georgia business license number showing that they were legally able to attempt debt collection in this state. I was not provided any Georgia business license number or any information showing they could operate in the State of Georgia. XXXX, XXXX and Diversified continue to report the negative collection accounts as " accurate, verified '' on my credit report without providing me legal proof of their alledged verification which is a violation of FCRA and FDCPA. Furthermore XXXX XXXX is in direct violation of the CFPB XX/XX/XXXX Consent order number XXXX by continual refusing to show proof of alledged verification of debt and lying to consumers by telling them debts was verified while not having account-level documentation from their electronic purchases
Consumer complaint received 2018-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Frauding scams IDs frauding my documents and medical record of birth certificate long form of Md XXXX and doctor XXXX XXXX scams IDs and accounts frauding my XXXX country Indiana using XXXX XXXX scams IDs and business using my grandma documents of XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX Indiana XXXX scams frauding my XXXX XXXX scams frauding XXXX and XXXX Indiana using XXXX IDs and XXXX IDs Frauding scams using XXXX Frauding scams using school permit and teaching staff and books and books authors and school sports Frauding scams IDs using racing teams and XXXX XXXX and XXXX and XXXX XXXX and XXXX California mall
Consumer complaint received 2022-01-25
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. (NC)

It has come to my attention that continued requests for removal of items that do not belong to me are still entered as active or inactive trade lines on my credit report. Negatively affecting my credit/life. This is an immediate secondary request for removal and blockage of incorrect information. 

There seems to be a high-level of incompetence at this company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit and my account has zero inquiries. Id like to know how and why your company has added credit accounts to my report that do not belong to me. 

This is a demand to remove these accounts at once!