davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-25
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC. (CA)

To Whom it may concerned, Please do the justice and solve these on going dishonest conduct of Navient. I have filed the police reports and contacted them numerously explaining that these loans are not mine, and explained that I did n't even saw any of the original loan papers, they still pursuing me and ask me money to getting out of the situation. When I filed the police report, the detective me that I have to continuously contact them till they drop me. 

Navient Account number : XXXX, default balance : XXXX Forged cosigner School loans were accepted : XXXX XXXX XXXX, XXXX XXXX, CA I am an XXXX  from XXXX 28 years ago, had been diligent with my credit history in last 15 years as in A rating, but after this ID theft cosigner statue in defaulted 5 loans by my nephew XXXX XXXX, my credit score has been completely destroyed to D, from XXXX. 
Though I am not working, but a full time house wife, I had been paying on time on all my credit cards last 5 years, recovering slowly from D to C minus score. May be I am not good in explaining in English to them, or did n't do the proper respond with Navient, but I already sent 5 registered mails with police report copies over last 6 years to Navient whenever I had time, but still my credit are ruined becaouse of Navient and they are still after me causing so much stress grief with many illness. 

This student loan company XXXX XXXX, now changed the name to Navient is pursuing me through collection agencies almost every 6-8 months and finally last year, they said if I give in to pay the amount of {$8600.00}, then they will drop me out of the co-signer obligation of these defaulted loans from my nephew XXXX XXXX. numorously I explained that : these 5 default loans are not mine, my birth date is wrong and my address and employement were written as my sister 's by XXXX XXXX, not mine. Navient said they will permanently leave these 5 defaulted loans record on my credit history that my nephew stole my ID and forged loan documents. 

Now I do n't have anyone to ask to do the justice after numerous trials with Navient explaining these are not my loans, my credit histories are ruined and Navient do n't respond me any more since last year. My nephew XXXX XXXX is practicing law in XXXX XXXX, Ca, he lied to Navient that these loan documents were written by me. Also he drop paying the loans in XX/XX/XXXX, exactly 10 years after status of limitation is expired. Very typical white color crime.
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I first disputed with TransUnion numerous accounts to have validated and to prove they are legally able to report. I received a form letter stating items they did investigate was complete. I then sent letters out asking for verification that a reasonable investigation was done and per FCRA to send me all documentation proving such was done. They sent me a form letter back just stating how they do investigation NO information. Now mind you there are accounts that were purchased by collectors who re aged accounts and arent reporting accurate dates of opening delinquency etc. This is called reaging. It is against the FCRA. These accounts should match the account in which debt buyer purchased from lender. It shouldnt be a new account! this is just one of a few issues I have and its plain to see on the credit report the reaging. You can look at status dates also as they are prior to my request. TransUnion doesnt want to do anything but send out form letters with no proof any investigation was done and just by looking at my reports you can see the total XXXX just with re aging of accounts. After all this I got tired of spending time dealing with this incompetent company which should have some documentation showing it is legitamate for them to report items and I asked for those and evidence that they per FCRA did a reasonable investigation and all I get is form letters back stating wont investigate and no information regarding investigations they were supposed to have done. Its getting very old with this company. Personally I dont believe they do a XXXX thing. If they did theyd be able to prove it. I then sent out intent to sue. So much inaccurate infomation its to the point if they are going to allow and dont care they should be sued.XXXX accounts alone by XXXX have been reaged and these people cant figure this out. All the items I listed should be removed because this company did NO investigation what so ever. Now they have even blocked me from going online to file dispute. This company shouldnt even be in business. I would hate to have to go to court but it seems thats the only way these people wish to deal with people.
Consumer complaint received 2016-07-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I applied for an auto loan with XXXX. The denial letter I got stated some, " whole or in part '', the reasons on how they based their decision. The reporting agencies are TransUnion, XXXX, XXXX and XXXX. The first part of XXXX reasons for denial was " could n't identify or confirm my personal information. I filed a complaint with TransUnion on XXXX/XXXX/2016 stating that my information was not up to date and a collections account is not mine. Originally XXXX had stated that the dispute ( samer reasons plus identify fraud issues ) I had with them ( XXXX ) were resolved. ( results from XXXX= deleted from my credit ) and that they ( XXXX ) would contact TransUnion and XXXX to do the same. TransUnion and XXXX has not. Ive attached the email from XXXX, the dispute results from TransUnion ( nothing was done ) and the XXXX report as to why they denied me. I have filed complaints with all XXXX reporting companies. XXXX, XXXX, XXXX, and TransUnion. My last dispute was with TransUnion on XXXX/XXXX/2016 The results for that dispute were unsatisfactory. The account disputed was still listed and more importantly they have old personal information ; address, name and employment information that hasnt been updated from 10 years ago.
Consumer complaint received 2017-02-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NH)

On XX/XX/2017 My wife and I received a credit bureau notification that there was a change to our credit reports. Upon checking the change, it showed that we were 30-60 days late on our mortgage. My wife and I had paid the mortgage each month as required. My wife however had made partial payments in the month of XXXX and XXXX with the full balance being paid by the XXXX of the month. When speaking with our company Loan Care, they said that this happens a lot and on their statements, they say that partial payments are held and when the entire balance is paid, they release the funds. In this case, the funds were applied to the principle balance and from XXXX until XXXX, we had been late, and had been accruing late fees etc. and were never given a phone call to say that we were late nor a letter saying we were late. When we called Loan Care on XX/XX/2017, we asked why we were never notified and we were told that they did n't have to notify us since we are able to access our account on line. Upon speaking to them further they said that the issue happens often and that they were going to fix the problem and update the credit agencies and notify them that this a mistake. As of the writing of this complaint XX/XX/2017, the issue has still to be resolved and our credit reports are still showing us late. We have called no less than 6 times and spoken to several employees who have assured us that the issue was being taken care of and wold be expedited and fixed within 5-10 days. This was almost 50 days ago. We do n't receive calls back when we are told we would from management, our credit reports have taken an unnecessary " hit '' of nearly XXXX points and this company has done nothing to fix or help us when they said they would. Each time we call, we are told by another employee that the situation will be resloved and are given their apologies for the misunderstanding. We are both XXXX and pay our bills accordingly. On today 's date XX/XX/2017 we were told that the issue would take another 5-10 days and that there are XXXX departments currently working on our issue. This is the poorest customer service my wife and I have ever experienced and people who are dealing with this company need to be warned.
Consumer complaint received 2017-01-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Tate and Kirlin Assoc (DC)

Collection company-Tate & Kirlin is billing from creditor XXXX for $ XXXX. The original Ietter in XXXX XXXX from Tate & Kirlin stated they could offer me a discount of 60 % for a balance of $ XXXX. Their client is XXXX. I have not entered into a contract with XXXX. 
I contacted on XXXX/XXXX/XXXX Tate & Kirlin to get answers, but when asked for my SSN or DLN, I refused and she ended the call. 
This could be for an old charged off account from XXXX. 
What am I to do?
Consumer complaint received 2017-01-19
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MN)

Prior to the week of XX/XX/2017 I was told I could send approximately {$2100.00} in which would bring us current for XXXX. I also have a {$650.00} money order floating around that I sent to Carrington and they returned it to me. I will add another {$50.00} on to this payment and there is XXXX payment. I called tonight so I could wire my {$2100.00} and am now being told over {$3000.00} is being owed and they wo n't accept {$2100.00}. I was just told that this would be accepted on Friday. I am now sitting on {$2800.00} for my mortgage payments and they will not accept it. I am now being told that another {$500.00} in fees have occurred and that this all has to be paid before XX/XX/2017. If I attempt to send the full {$3300.00} then they will tack more fees on. Carrington keeps finding ways to tack on fees and not let us pay so they can foreclose. This is an urgent matter and needs to be addressed right away or we will be forced to file chapter XXXX on {$3300.00} in debt. Please help!
Consumer complaint received 2017-02-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Tidalwave Finance Corporation (CA)

I had called tidalwave finance on 2 seperate occasions to get info on a charge off account ... .I had been potentially looking towards filing bk ... .an attorney had informed me i needed balances and company info so he may further assist ... .i tried to see if i could possibly settle my account with tidalwave finance due to me not having a personal cell or home phone number a female XXXX sttd she had the right to tell me to send it in in writting and she sttd she will be hanging up now ... .and she hu on me ... ..i tried calling again to speak with a sup but only had gotten a vcml ... its frustrating to know this is my second time to have to put a complaint towards this company.Im a single parent and have very little income. the second time I called I asked what the settlement would be and how the amount is being set by ... he then sttd im on a daily ineterest then i asked if the company accrues daily interest on a chargeoff account? ... he then asked me if I have lost my contract ... I informed him i did and that I would like what he is telling me in wriiting he kept asking me other questions instead of answering me ..like why havent you paid its been a while sine i had stated i wasnt working ... .I informed him XXXX and my kids would get sick once I would start working ... .if he could please send me the info to the mailing address and he hung up on me ... ..
Consumer complaint received 2024-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-08-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (IN)

I am filing a consumer complaint against my previous mortgage lender XXXX-XXXX ( XXXX ) for violation to the National Mortgage Settlement ( NMS ). This settlement prohibits lender abuse during the application process of applying for loan modification assistance. Somehow, my ex-wife XXXX XXXX XXXX, was allowed to complete a loan modification without my permission nor signature in or aroundXX/XX/XXXX. 
As a result of this negligence of XXXX, it appears that because my home loan was allowed to be modified without my consent, the new servicer Selene Finance ( SF ) now refuses to discuss loss mitigation options with me and will only speak with the co-borrower of the loan which just so happens to be my ex-wife XXXX XXXX XXXX. I feel that since XX/XX/XXXX, is still the owner of my loan it is their responsibility to correct the error. 
In fact XXXX, obtained a final judgement for foreclosure during the time that I was attempting to plead my case with SF, with regards to my rights to the home. 
First off, Ive provided copies of my recorded mortgage Note dated XX/XX/XXXX, in addition to this my name also appears on title for the property. 
See Exhibit A ( Mortgage Note dated XX/XX/XXXX ) Secondly, Ive sent copies of the Agreed Order from the divorce that was completed between XXXX XXXX XXXX and myself datedXX/XX/XXXX, which clearly indicates that XXXX XXXX XXXX has released all interest in the home and has no desire to be a part of the decision making process for loss mitigation nor any other subject matter relating to the property. This order releases all liability of XXXX XXXX XXXX and appoints myself as the sole responsible party. 
See Exhibit B ( Agreed Order Divorce datedXX/XX/XXXX ) Furthermore, both XXXX and SF also failed to adhere to a settlement conference, which is a face-to-face meeting with the lender to work out a foreclosure prevention agreement. ( Ind. Code 32-30-10.5 et seq. ) XXXX and SF have blocked me from the opportunity to satisfy the mortgage debt, instead SF and XXXX prefer to take advantage or abuse our homeowners rights in the same process which are deemed as direct violations to 'Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2601 et seq. ) Regulation X.
Consumer complaint received 2017-08-25
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe (NM)

Conserve Credit Debt Collection Agency for the Creditor XXXX XXXX XXXX XXXX, in the amount of {$6400.00} Account Number : XXXX had already been, " Investigated, Removed and Deleted, '' from all of my Credit Reports for being a, " Fraudulent Account '' yet they somehow managed to place them back onto my XXXX and XXXX Credit Reports. " I do not know if they have placed themselves back onto my XXXX  Credit Report but as I mentioned they were already deeded, " Fraudulent and I have sent the Original Creditor all the necessary legal documents when I first had them disputed and they were fully investigated and again removed and deleted from all three credit bureaus. 
I have spoken to both the XXXX Credit Bureau and Conserve, Conserve is the fourth Debt Collection Agency hired to try and harrass me and attempt to ruin my credit. In fact Converse told me when I called them that, The Creditor : XXXX did not sent them any documents at all so they have nothing to reference the fact that had already been removed for being, " Fraudulent Account! '' " I did however make them aware of this! '' And as far as XXXX and XXXX, I have filed complaints against them separately. 
I do not know how to stop this abuse as I can not afford to have my credit ruined by creditors who were already once removed from all three credit bureaus. However, it seems very illegal that this is happening as my Credit Bureaus have my records on file as I submitted two police reports, Legal Affidavit and all other documents needed. I really need this to stop! 
( Over the past two years I have sent the main creditor which is the XXXX and their other Collection Agencies they have hired, plus all three credit bureaus all of my legal records like up to three times now. When I sent the legal documents I always sent them, " Ceritfied Mail but I can not afford to keep on doing this as I my income changed drastically when I became XXXX and was put on Social Security Benefits! So I am on a very tight budget. I do however have all of my original legal documents that I am going to be mailing to CFPB )
Consumer complaint received 2017-03-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CO)

I had a checking and savings account with US Bank from around XX/XX/XXXX until XX/XX/XXXX or XX/XX/XXXX ( not sure on the dates ). Around that time I was purchasing some items, XXXX of these items were {$.00} cents each, and received overdraft charges for these items, I was aware that US Bank was capable of forgiving Overdraft fees in discretionary instances and asked them if they could do so. They told me that they would not reverse the overdraft charges to which I asked them to close my account and told them I would not be banking with them any longer. I have since not received one letter, phone call, email or any other form of communication from US Bank or any debt collectors on their behalf. On XX/XX/XXXX I received a phone call from a XXXX with the phone number XXXX threatening me with a lawsuit and telling me that I would be served within XXXX hours. They told me that I owed {$700.00} worth of interest that had accrued on my US Bank account over the last XXXX or so years and threatened me with a lawsuit in XXXX for damages of over {$3000.00}. I am currently interning with a governmental law office and in talking to some coworkers, I believe that this debt ( 1 ) was not fair in the first place, ( 2 ) had far surpassed its statute of limitations, ( 3 ) that if US Bank was trying to collect on a debt, they made little to no effort to contact me, ( 4 ) if US Bank did not close my account that day or shortly after as I asked them to and thought that they had, I received absolutely no information from them about my account still being open and accruing interest. Unfortunately I have no statements or anything from US Bank that I can upload at this time as I do not know what my account number is ( or was ) or how to gain access to it. I am also hesitant to call US Bank or go in to their local branch- as IF there is a pending lawsuit, I do not want to do anything that I am not supposed to do
Consumer complaint received 2017-08-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Neiman Marcus ( NM ) has disabled my log-in access for no explainable reason, my account was not past due or over the credit limit. They : A ) only provided an XXXX # ( which wo n't work for XXXX XXXX ). When I was able get an non XXXX number the account was several days ( 10 ) past due.  They now are trying to charge me an amount equal to the payment as a " past due fee ''. 

B ) NM wants to record the call, but will not let the consumer also record the card. They said they would let my account go 30 days past due unless I complied with one-way recording, meaning they can record me, but I can not record them. If I did n't agree, they would hang up. 

C ) NM 1st attempted to tell me my account was locked due to " my new email or a problem with my cell phone '' and not being able to send a verification pin. I informed them I had received an email at this account just today ( XX/XX/XXXX ) to tell me account was now past due. When I told them neither my cell number or email address were new and that I had held both my email account- and the cell phone number - they have on record since XX/XX/XXXX, they then stated ( admitted ) to me that my account was locked due to a new system they had set up in the past 30 days that was not properly coded/set up to send emails to all email addresses, including a problem with my " XXXX '' account that I have used for the past 10+ years - and that I have had used with this online NM account since it was opened! NM then demanded that I establish a NEW email account with a new email provider and that I manage and monitor this new email account if I wanted to do business with them and not have my account locked, or have my payments be late, which would incur additional late fees.
Consumer complaint received 2017-08-25
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. (TX)

equifax is in violation of the consumer protection act and XXXX XXXX it has been more than 60 days on my dispute and they still have not remove the item XXXX and XXXX has but equifax has not!!!!!!
Consumer complaint received 2017-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had or have an account with Capital One, a 360 Checking Account, account number XXXX, which had a balance of {$1400.00} as of XXXX/XXXX/17. I have called Capital One and emailed them in an effort to close my account, but Capital One has refused to close my account and has refused to pay me my balance. Further, Capital One closed my online access, and has refused to reinstate my online access so that I can get this account properly closed. I have lost the use of my money, and I have been cut off from access to my account.
Consumer complaint received 2017-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (NJ)

I have purchased XXXX XXXX, garage floor coating thru Wells Fargo Bank. There is a warning inside box instructing not to use where direct sunlight will be an exposure. I am unable to give a date guaranteed to beXX/XX/XXXX of this year nor guaranteed to be a certain amount. There are about 20 purchases since XX/XX/XXXX 2016 by visa. The shelf price indicated XXXX dollars, was misled by it and purchased not knowing it. The sunlight is in the closed garage when the door is open. Now when reading instructions, I do not want to use the coating ... I called first the ftc hot line for cfpb reference. Can you help my credit dispute. Will someone show XXXX XXXX is to be removed from public access, or show why it is actually a safe product. It is at my house in the original box. Recycle trash says no hazardous materials.