davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2017-07-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: First Investors Servicing Corporation, Atlanta, GA Branch (TX)

FIRST INVESTORS FINANCIAL SERV, Account Number : XXXX .... " is reporting a car that I had financed through them in XXXX of XXXX. The car was then totaled out in XX/XX/XXXX and paid in entirety by my XXXX auto insurance. They have then reported late payments for XXXX and XXXX of XXXX and then reported a charge off of {$930.00} I disputed it with the credit bureau 's and they have responded with " Comment : Purchased by another lender '', however, THEY are the company reporting it on my credit and it is not listed on my credit report with another lender. I was n't made aware of this at all. Even still, the information would be incorrect with the other lender as well. I demand that this charge off be corrected and update on all reports.
Consumer complaint received 2017-08-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MN)

I started a payment plan XXXX 2014 that was supposed to prevent my student loan from going into default. They kept asking for large sums of money ( $ 7,000- {$15000.00} ) to start it, changing the amount owed every time I called, telling me to ask my extended family, asking why my husband was n't helping and even making a comment on me not marrying someone rich enough to pay my loans for me. After some back and forth with the XXXX XXXX costumer service I got them to start my plan with just the first payment down, which they accidentally double charged us for. After a year they called again with the same story as in 2014 I needed to pay X amount now or my loan would default and I needed to go on this plan to stop it. After more back and forth with costumer service I got the plan started again. This year, now year 3 they started calling again, this time just to keep payments going. I asked them why I never saw my credit report improve after being on the payment plan so long and they informed me my loan has been indefault since 2014. Navient is the " collection '' agency but over the last 3 years they have charged us ( my mother and I ) through both Navient and XXXX XXXX. My mother and I were told several times in the last 3 years this would prevent default and I am finding out today that they do not offer a program to get you out of default, and my only way out is paying off the loan. Which is {$20000.00} more than when I started and has not gone down at all on this plan due to capitalized interest every year. I have tried everything short of getting a lawyer, which I ca n't afford, to get this under control, so I can repair my credit and buy a home. My school is closed and discredited and I ca n't consolidate this loan.
Consumer complaint received 2017-08-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Altisource Portfolio Solutions, S.à r.l. (GA)

First of allow us to make the declaration ; our home is paid in full with No Mortgages or Liens validated by County Records and Title Insurance ; but this Company, Altisource an affiliate of XXXX, broke into our home ; and changed the locks to a coded lock ; destroyed our front door ; and pantry door ; ripped up our carpet in the den and master bedroom, muddied the carpet on the stairs and upstairs ; and transferred our utilities to Altisource Name. We contacted the Police ; and the Police after reviewing the evidence ; and speaking with Altisource and XXXX Reps filed a Felony Charge of Theft by Conversion. XXXX XXXX, Altisource Ombudsman Customer Manager claimed that XXXX 's Attorney, XXXX XXXX was the culprit stating that the property was vacant ; but the yard was manicured and the utilities were on ; so he changed his story to state that was foreclosed on XXXX XXXX, 2017 ; this lie was also debunked. XXXX 's Ombudsman had no knowledge of any foreclosure and this was validated by his letter that stated " They are reviewing the issues raised that was submitted to the CFPB and would respond by XXXX XXXX, 2017. ( Ombudsman Letter attached ). The CFPB email stated, XXXX XXXX XXXX XXXX is reviewing the issues and are requiring 60 days to respond. ( CFPB Letter Attached ) Aside from the fact that we own our home outright and has never had an account with XXXX or Altisource ; and has NEVER paid Ocwen nor XXXX dime. We have no idea what Altisource is ; but know that XXXX is nothing but a Big, Fat, Criminal Collection Company for Mortgages that was sued and ordered to pay 2. XXXX XXXX Dollars and issued a Consent Order by the CFPB ; and has recently been sued again by the CFPB and 25 other states that also has banned them. Neither Ocwen nor XXXX are banks or Lenders yet they think that they can break into someone 's home ; change utilities and take possession ; NOT OUR HOME. Evidence has shown that the CFPB is investigating the Altisource- XXXX Relationship. ( Evidence Attached ) Evidence has shown that the SEC Subpoenaed XXXX over Altisource Associations. ( Evidence Attached ). Evidence has shown that Altisource paid XXXX XXXX to settle a Class Action over its XXXX 's relationship. ( Evidence Attached ). With all of the above ; and much, much, more ; how in the World are these Crooks still operating in America? As Veterans that defended this country ; someone is going to answer that question ; and Altisource is going to PAY to restore our home.
Consumer complaint received 2017-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TN)

On XXXX XXXX I received my XXXX XXXX statement and was irritated to see a balance of {$29.00} because I pay the card in full every month and knew I should not have a balance. I reviewed my online account and learned that amount was for " late fees '' and " interest. '' I called and was told my payment was processed after the cutoff time for payments so it posted the next day and therefore I was assessed the fees and interest. On the day I received the statement, XXXX XXXX, I made an online payment in the amount of {$29.00} to pay the late fees and interest in full. I contacted customer service and asked that my account be closed immediately. I received an email confirmation that " per your request, I have closed your account. Your current balance is {$0.00} ... '' Today I received a statement saying I owe a " minimum charge fee '' and that a " monthly billing statement will be sent until the balance is paid in full. '' I do not find in my disclosures any reference to a minimum charge fee. How can such a fee be charged on a closed account? Customer service states this is a normal fee assessed for producing a statement. How can additional charges be assessed after a company confirms in writing that your account is paid in full and closed? I have attached a copy of the statement in question as well as the email from the credit card company confirming the account was previously closed with a XXXX balance prior to the statement being produced. It is my desire for this account to be closed, for the subsequent fees after my closure request/confirmation be removed and to receive no further information from this company ever. Can you assist with that? Thank you so much for your time.
Consumer complaint received 2017-08-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Pressler & Pressler, LLP (PA)

On XX/XX/XXXX I received a letter and in was documents for me to give my place of employment, cars that I drive, and  banking information amongst other personal information telling me that I had a judgement against me I called them and told them I pulled my credit report in XX/XX/XXXX and paid ALL of my debts. The debt is said to be from XXXX yet its not on my credit report He stated that there was a cease and decesase letter in XXXX but didnt tell me when asked where it came from. He stated that he couldnt contact me to pay the debt because of the letter but i found a letter from them in XXXX saying i could pay the debt with my income tax but no mention of a judgement in that letter Now they say i have a judgement and that judgements stay on file for 20 years however i can find nothing from my hometown as they stated it originated in XXXX county and the address given i had not lived at during the time they claimed they served me They claim they couldnt get in contact with me but letters prove that its not correct He also said the letter with the XX/XX/XXXX date had to be filled out and sent back as it was from XXXX County courts on the companys behalf. I stated that and asked for validation of debt and the questions I asked he couldnt verify the debt either. He said until they investigate and that can take " some time '' I should fill out the information regarding all of my assets I said so I am supposed to hand over my assets to you without validating a debt and on top of that you are telling me I have a judgement that should be public record but i ca n't find it?
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: LEXISNEXIS (FL)

I 'm very disturbed to receive a decline letter from your agent providing me insurance I did not ask for. In fact the agent was advised why I do not do business with you but they evidently went ahead and pulled credit anyway even while freeze on my credit report. At no time was permission given to pull my credit. In fact the credit reports are supposed to be secured from this type of activity because numerous errors are being corrected. You further complicate my credit worthiness with this inquiry.
Consumer complaint received 2017-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX
Consumer complaint received 2017-08-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CO)

In 2005 I filed bankruptcy and my student loans were discharged. I never dealt with Navinent and I am constantly received numerous harassing telephone calls about fake loan forgiveness and other XXXX. I am called several times a day. The student loans were paid by the Colorado Student Bond Authority. There were no exceptions in the bankruptcy discharge regarding student loans. I am sick and tired of the harassment. The U.S. Department of Education said that they were above the judge. I am not sure of who the lender is anymore. I do not know if this was a private loan or a Stafford Loan. It was paid off by the Colorado Student Bond Authority.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACCESS GROUP INC. (NM)

Access Group INC, I have tried time and time again to have a " Consumer Dispute '' removed from my XXXX credit bureau. I have submitted my official documents signed by a doctor from the VA way back in the Summer of 2009. All of my documents were sent via registered mail return receipt. 

The following is my current information : * Access Group INC - XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2017-07-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (OK)

A few weeks ago I received a letter requesting I contact Discover Student Loans regarding an uncashed checke they had reportedly mailed to me several months previously. The check was getting ready to expire. I did not recall ever getting the check. I called and was advised that a replacement check would be mailed to me soon. Since I did not receive the replacement check, I contacted Discover Student Loans through their website on XXXX XXXX, 2017. <P/>They advised : " I regret to inform you that we can not process your request at this time. We are required to forward the uncashed check amount and your information to the CFPB. '' Therefore, I am contacting CFPB, as instructed.
Consumer complaint received 2017-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I contacted aAdvantage in regards to late fees charged on my account in XXXX. They had not sent the statements to me and I had a purchase of {$25.00} dollars for checking in a bag at the airport. Citi assured me that they would reverse the fee and send a new statement. I updated my email at the time. I checked back now in XXXX and they had not reversed the late fees. I ended up paying the balance off today XXXX and contacted them to reverse the late fees again. They said it had been a couple of months so they can not reverse the previous late fee but will refund me {$35.00}. I asked for a confirmation number and they said it was emailed. I asked the attendant to stay on the line and checked my email but did not receive a confirmation number. When I asked the attendant about it she said it was sent via regular mail. I asked to speak to supervisor to get a confirmation number over the phone at which point the line cut off. I am going to cancel the card as I am not impressed by the service. I wanted to ensure that I do not keep getting charged late fees for what I have already paid for. In total my bag check in of {$25.00} dollars has cost me XXXX for XXXX to XXXX = XXXX. I think this is unfair and Citi should take responsibility. I always pay my cards on time and this card and service seem to be a problem.
Consumer complaint received 2017-08-14
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Systematic National Collection, Inc. (UT)

I have received another attempt to collect letter from Systematic National Collections. They are not licensed to collect in the state of Utah and this is illegal to do. I have attached the proof of my most recent attempt to collect letter I just received in the mail. I also attached the proof that they are not licensed in Utah. They also still have not sent debt validation which is also illegal to continue to collect on a debt that they can not validate. If Systematic does not stop contacting me about this debt and delete this from my credit report I will contact my local Attorney Generals Office.
Consumer complaint received 2017-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CT)

I filled out an application in the store offering the credit card ( Sam '' s Club ). They said it was under my husband 's name but was denied. This took place on XXXX XXXX XXXX. I then submitted my information and they said I was denied ( the clerk had called the bank and I spoke with them directly and they said they could not tell me the reason over the phone that I would get a letter in the mail explaining the reason. My husband then received a letter from the bank along with a credit card! They had reversed some numbers in his social security number. I called them again to inquire as to why I was denied and the assured me I would have a letter from them by XXXX XXXX XXXX.  Today is the XXXX and I got no letter in the mail today. I called again today and they said they could not tell me why I was denied and they have no idea if a letter was sent to me or not ; said they must have the wrong address or said it must have been lost in the mail. I assured them that the address was correct as they had sent a letter to my husband. I asked if they frequently discriminated against women as my husband received a letter and a credit card 3 weeks ago. I then asked for a supervisor and told her my concerns and asked for the name and address of the government agency to contact. They girl I spoke to before getting the supervisor told me I would have to look up the information on line which is a clear violation because they are supposed to provide it to me. I want to know why I was denied. I have excellent credit and have been waiting to get this issue resolved before applying for a reverse mortgage that my husband and I want to take out. I can not do this with this issue hanging over my head.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never 30 or 60 days late in the months of XX/XX/XXXX or in the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I am not sure how this happened. I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Consumer complaint received 2017-08-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DISCOVER BANK (PA)

On XX/XX/XXXX I received a letter and in was documents for me to give my place of employment, cars that I drive, and banking information amongst other personal information telling me that I had a judgement against me I called them and told them I pulled my credit report in XX/XX/XXXX and paid ALL of my debts. The debt is said to be from Discover yet its not on my credit report He stated that there was a cease and decesase letter in XX/XX/XXXXbut didnt tell me when asked where it came from. He stated that he couldnt contact me to pay the debt because of the letter but i found a letter from them in XX/XX/XXXXsaying i could pay the debt with my income tax but no mention of a judgement in that letter Now they say i have a judgement and that judgements stay on file for 20 years however i can find nothing from my hometown as they stated it originated in XX/XX/XXXXcounty and the address given i had not lived at during the time they claimed they served me They claim they couldnt get in contact with me but letters prove that its not correct He also said the letter with the XX/XX/XXXX date had to be filled out and sent back as it was from XXXX County courts on the companys behalf. I stated that and asked for validation of debt and the questions I asked he couldnt verify the debt either. He said until they investigate and that can take " some time '' I should fill out the information regarding all of my assets I said so I am supposed to hand over my assets to you without validating a debt and on top of that you are telling me I have a judgement that should be public record but i ca n't find it?
Consumer complaint received 2017-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America has been notified on more than 1 occasion that the debt they claim I owe was from Identity theft. Their story has continually changed over the course of a year and yet they refused to do anything about this. Well I have been looking at US codes and I have found a code Bank of America should be prosecuted under, Title 18 Part 1 Chapter 42 EXTORTIONATE CREDIT TRANSACTIONS. Under this code, it states that forcing someone to pay a debt by threatening their physical well being or personal reputation is a violation of criminal law. The CFPB should already have copies of my evidence that numbers in the 300 separate documents range, that Bank of America is in violation of this criminal law by using extortion and ruining my credit to try and force me to pay a debt that is not mine, forcing me to pay higher interest rates on lines of credit I have been able to receive. I demand the CFPB force Bank of America to answer for this crime or I will contact my elected officials, what is the point of having a CFPB if they only advocate for companies. I also want to add that any information Bank of America has provided has had information purposefully left out and the bank has refused to release any audio recordings of my phone conversations with them.
Consumer complaint received 2017-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I am am a victom of Identity theft. I have submitted a police report, an FTC affidavit, supporting identification docs, and letters disputing these fraudulent accts and collections and submitted to the credit bureaus. I sent these documents out XX/XX/XXXX. They have by law, 30 days, 45 max to reply me with evidence that these are mine with proof from the disputed lender or they must remove the fraudulent items. It is now XX/XX/XXXX, I called today to follow up. I spoke with 2 supervisors. They informed me the disputed acct was still reporting on Equifax due to that the lender told them it was mine. I told themXXXX and XXXX have already removed it. The replied that the lendor said it was mine. I asked, '' Did the lender provide you proof it was mine? Have you done your legal duty of supplying me proof it was mine? '' the supervisor said, " No they have not provided proof. I am not able to remove it at this time. I informed her that the law requires you to remove it after 30 days if the lender can not provide proof and if they do, you are to provide proof to me. Neither of these has been done so you must remove it. '' She said she could not at this time. This is a direct violation of the law.
Consumer complaint received 2017-08-14
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)

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX XXXX, XXXX Account # : XXXX I was never 30, 60 or 90 days late in the months of XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX I am not sure how this happened. I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.