davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (WV)

I obtained a copy of my credit reports and discovered an account under XXXX XXXX XXXX pertaining to a collection. I sent my first letter ( XX/XX/XXXX ) disputing this account and also requesting validation. They responded but did not provide a valid signature. I sent another letter on ( XX/XX/XXXX )  again requesting validation, however ; again they responded but without a valid signature. According to federal law, XXXX XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they did not. I also requested validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. The company sent me some papers showing my name typed in, which is not a signature. Anyone can type a name, so please send me proof of a signature that shows validation. 

I have retained a copy of their signature and date of receipts, as well as time-stamped copies of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. Additionally, they have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, should they continue in their non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind them that they may be liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Consumer complaint received 2017-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I used chat to explain the issue to Capitol One on XX/XX/XXXX (I have a log to attach). In short, I was unable to log into the credit card online account because the password that I had was no longer correct. BEFORE I contacted the company, I was able to reset the password and gain access. I was troubled because I was sure that neither me nor my wife changed the password. Moreover, when the password is changed, an email is sent that tells me that it was changed. I had not received such an email, which further raised my concerns. I contacted Capitol One through a 'chat-agent'. I requested the date of the last password change. I am NOT the primary account holder, that is my wife.They refused to tell me the date of the last password change (prior to the one I just did a day before-XX/XX/XXXX). I then explained to them why I still needed to know more. You see, I change the password the day before using: Her SS#, her DOB, and the Zip code. These items would be readily available to anyone who had the date from the XXXX  breach. I am concerned that ANYONE using this company's credit cards would now be at risk, as their security questions are too weak. They did assure me that they did not have a general failure in their system that would have lost/invalidated user passwords, so either: (1) The data field in their Database holding the password was corrupted; (2) Someone broke through their limited security to reset the password AND intercepted the email confirming the change (quite a trick);  (3) We inadvertently changed the password earlier in the month and just plain forgot. In that I use a password manager (1Password) even the 3rd possibility is unlikely. In any event, this is potentially an extremely important problem that can threaten the credit card accounts of any user of the Capital One scheme for resetting passwords.
Consumer complaint received 2017-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MD)

I have been going back and forth corresponding with this company since XXXX/2017 in regards to a account with XXXX XXXX XXXX they state that I owe. I have explained to this company on multiple occasions that this account does not belong to me. I have requested that they legally and properly validate this account. I have requested that they provide me with a contract or documentation bearing my signature, they have not. I have asked them to provide me the information on how this account was open if by email or in person and could they provide me with this information, they have not! I have asked them to provide me a chain of custody, they have not! I have asked them to provide me with a complete billing record as the balance they are stating I owe has a previous balance of {$430.00}, they have not! They are stating that payment of {$75.00} was made on my behalf I asked them to provide me with how, who, when, and what method this payment was made and again they have not! This company is being grossly negligence in providing the requested information by law. If this matter is not resolved and I take this to court all of the information I am requesting has to be legally provided. If I have to file a lawsuit I will seek monetary damages to the maximum extent allowable by law. This account is causing harm to my credit file.
Consumer complaint received 2017-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

Navient is the servicer of my student loan. I applied for teacher loan forgiveness on XXXX XXXX XXXX. XXXX of my loans were discharged in XXXX of XXXX. XXXX of my Stafford Loans have not yet been discharged and I inquired with my consumer advocate at Navient as to why not, I asked for the name of the Gurantor again so I could follow up on XXXX XXXX. Instead of providing that information, she referred me to an earlier email date. Then I decided to research and called the XXXX myself on XXXX XXXX, since this had been a long amount of time. I spoke with XXXX from XXXX XXXX XXXX on XXXX XXXX and inquired about my application. She informed me it was denied on XXXX XXXX, and Navient had been informed in writing on XXXX XXXX. She told me I could called her on XXXX XXXX to make sure I was a teacher of record still in my current position, and she would confirm it with my district, and they would cut a check to Navient.I did take up a separate case with my district, since I disagree with the date they told them I was highly qualified. That day I asked XXXX via email why I had not been informed as it was XXXX XXXX, well over XXXX business days since she had been notified. XXXX at first sent me the old email stating that my application had been forwarded, and I clarified that I wanted to know why it had been denied and no one had informed me in a timely manner. This day, XXXX XXXX, I also asked her to expedite and extend my teacher loan forgiveness forbearance application, as I would have to wait until XXXX for my XXXX loans to be forgiven, as well as to change my name to my new married name. XXXX did fullfill the name change request, however she never responded or answered my forbearance request or addresses it at all. I then received in writing from Naivent on XXXX XXXX, XXXX that they " have not heard from them whether or not it was denied or approved. '' I then called my guarantor and spoke with XXXX and she provided documentation that Navient was informed in writing as early as XXXX XXXX. On XXXX XXXX I received and email that it was denied and Navient was just made aware, even though I asked them to look into it. ( more than a month after Naivent was informed ) I then was informed as a result of this, my loans would be put back into current payment status. I tried to called XXXX that day her phone went straight to voicemail and I also emailed her. I am still eligible for forbearance during this time period, as I am still a teacher of record, and owe less than the amoutn forgiven. There is no reason my application for forbearance should have been denied, and the deliberate delay in giving my timely information regarding the status of my loan is a threat to my credit score, financial well being, and allowing me to have my loan remain in good standing while I take up a case with the district. It also violates the guidelines set out by the federal government that allows a teacher to stay in forbearance during their teaching service.
Consumer complaint received 2017-10-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MI)

On XXXX/XXXX/XXXX I was rear ended pulling into work, my XXXX XXXX XXXX was totaled. I paid my first payment that morning before heading into work. My loan was paid off except for XXXX which I had rolled a XXXX XXXX XXXX over into this XXXX loan. I dont know how billing works but in XXXX I was credited XXXX to my payments. I called in XXXX and asked who made this deposit into my account, the man I spoke with said he didnt know that he thought it was the insurance company. Statements show my next payment was not due until XXXX/XXXX/XXXX in the amount of XXXX. Fast forward to XXXX XXXX and I get a phone call saying I am XXXX months behind and when I asked how they explained that the insurance department made a mistake. The XXXX that they applied was my warranty refund onto my payments and they had to fix it on XXXX XXXX when they caught the mistake they allocated it back to my warranty on the loan. So they said that makes me due for XXXX, XXXX, XXXX, XXXX, XXXX and now XXXX which is when I was told my first payment would originally be due. When I asked for a manager I got XXXX XXXX he said that he can not make any changes on his end but for me to ask the insurance department for a Payment Allocation to be done, he transferred me to the Insurance Department on Santanders end, I got XXXX the manager in the insurance department he stated that it was a mistake but nothing can be allocated anymore and I must make these payments as soon as possible. I asked how I am liable for a mistake they made and why cant my loan be extended then to fix their mistake. I was told nothing can be done and I must still come up with the money. On XXXX/XXXX/XXXX or XXXX/XXXX/XXXX I spoke with another XXXX named XXXX at XXXX, he saw my frustration and said he will escalate my case higher up because that seemed wrong to him as well. On XXXX/XXXX/XXXX at XXXX am XXXX XXXX from the XXXX office called to speak with me, he said they can get rid of all my late fees for me but they will not extend my loan and add the payments to the end of the loan, and they will not allocate the warranty payment back to the principal for me. My internet access was cut off on me and when I called the president office back they said that when a loan is changed from my main loan to this totaled loan that they get rid of internet access for us. Why then does my latest statement from them ask me to go online and update my number and update a work number. They are being very sneaky and not letting me have access to my statements. I have a statement from XXXX/XXXX/XXXX showing I am not due until XXXX XXXX and now a statement from XXXX XXXX showing I am delinquent and over XXXX days late now. I cant have this hurting my credit because of a mistake made by Santander.
Consumer complaint received 2017-10-28
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: TOYOTA MOTOR CREDIT CORPORATION (VA)

There are two hard inquires which I have never inquired. Because of this, my credit scores decrease 44. 
I have called XXXX credit report compant. As per they said, I need to call directly in order for me dispute. However, there is no information to contact them and I have never authorized these two companies.
Consumer complaint received 2017-10-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (CA)

I opened my account this past spring. I put the mailing address of where I was temporarily staying at the time because that 's where I get my mail. 

A couple weeks go by and M & T places a freeze on my account when I first try to withdraw funds. I was leaving for California the next day and did n't have time to deal with it. 

I called and called and they would n't unfreeze my account unless I could prove that I lived at mailing address??? I sent them my SSN card, Driver 's license, and proof that I lived at the address on my license, but they would n't even let me so much as speak to the security team to explain my situation. 

Now I am stuck in California permanently, and without access to my funds. 

I ca n't : 1. Withdraw my money 2. Unfreeze my account because I do n't have proof of something that does n't exist 3. Close my account without the balance being {$0.00} 4. Correct my address 5. see a branch because I am in california .
Consumer complaint received 2017-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MA)

For the last week they have called me five times a day every other day. 
Starting on XXXX16 and continuing up to today. 

I dont answer because its been getting overwhelming with the amount of calls and they never leave a message.
Consumer complaint received 2017-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (AL)

This account was previously disputed and removed from my credit report earlier this year by the last collection agency that had this account I was assured by XXXX that this could not be place back on my credit report by any other collection agency. It was sold to this collection agency ( XXXX ) and the dollar amount was changed from {$800.00} to {$800.00} and put back on my credit report. I would like this to be removed in no more then 7 days of receiving this complaint and a new report sent out to my address verifying the removal. XXXX assured me that this would not be allowed to happen and it 's affecting my life due to me being in the middle of purchasing my first home and my credit has dropped by almost a 100 points.
Consumer complaint received 2017-10-28
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 — Was not notified of investigation status or results
Company: Cornerstone Holdings, Inc. (CA)

I have disputed a dental bill on my XXXX credit report. It was denied due to dental office provided record of my visit. I called dental office as well as cornerstone credit to explain my dispute. I did not deny visit my problem is this. 
1 ) the bill was sent to an address I lived at in XX/XX/XXXX so I did not know it existed. My husband and I currently use this dentist and they have our updated address so I dont know what they mailed something to an address from XX/XX/XXXX. 
2 ) the dentist at the time ( who is no longer with Office ) saw me to look at a XXXX he made that was giving me problems. He told me there was no charge due to circumstance of it not fitting properly. I was given the option to send to the lab for a few days with charge of around 500.00. I declined at the time because I couldnt afford it and did not want to be without it for 3 days at work. He put a temporary repair on it no charge until I could get a permanent fix. I did not know of or expect a bill for this. 
I disputed and was denied due to dental office providing proof of service I resubmitted dispute under the information I just provided to you On XX/XX/XXXX The estimated time for dispute under XXXX web sight for investigation to be complete was XX/XX/XXXX. Checking the status of that dispute it was never completed by XXXX. As of today XX/XX/XXXX conformation # XXXX Is still showing a pending status and has he ever been investigated. I did resubmit a dispute XX/XX/XXXX for the same debt and it was denied again. I believe my dispute should be granted due to the fact that the XX/XX/XXXX dispute was never completed properly according to my rights as a consumer their job was to investigate and complete investigation within a timely manner. It has not been completed as of this day. As far as my most current dispute on same credit issue I am disputing the conversation the doctor and I had about not charging me for the visit, as well as the mail not being sent to the appropriate address. The staff in the office currently are all mostly new as they had a huge turnover since my XX/XX/XXXX visit. When I talked to a lady in reception at dental office she encouraged me to dispute this, as according to her files are so messed up from old staff, I am still trying to fix things, we have found so many errors its a nightmare. I wanted the dentist no charge promise investigated and the problem regarding mail not being accurately mailed to me to be looked at I would like my disputed granted due to incomplete investigation from XX/XX/XXXX and would like proof of current dispute that was denied was investigated properly.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I called Equifax in response to their " Notice of Data Breach '' letter. I said that I wanted them to remove my name and identifying info from their data base as a result of the recent criminal breach of this information. The person on the Help Line ( XXXX, from New Mexico, on XXXX at XXXX XXXX ), said he did n't think that could be done. I asked him to check and he said the supervisors he checked with told him that I should go to their website. Their is no information about this on the website. I asked to speak with a supervisor and he said that they would not talk to me. 

SHUT THESE PEOPLE DOWN! It 's bad enough that they XXXX up, but they are totally non-responsive to the same people that they shafted.
Consumer complaint received 2017-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Financial, Inc. (WV)

I obtained a copy of my credit reports and discovered an account under XXXX XXXX pertaining to a collection. I sent my first letter ( XXXX/XXXX/XXXX ) disputing this account and also requesting validation. They responded but did not provide a valid signature. I sent another letter on ( XXXX/XXXX/XXXX ) again requesting validation, however ; again they responded but without a valid signature. According to federal law, XXXX XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they did not. I also requested validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. The company sent me some papers showing my name typed in, which is not a signature. Anyone can type a name, so please send me proof of a signature that shows validation. 

I have retained a copy of their signature and date of receipts, as well as time-stamped copies of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. Additionally, they have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, should they continue in their non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind them that they may be liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Consumer complaint received 2017-10-27
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. (NY)

XXXX XXXX XXXX XXXX Falsely reporting to my credit report {$10000.00} as a XXXX XXXX XXXX XXXX XXXX. I disputed this in the past but there has been no action. This account does not belong to me and needs to be removed from my credit. I have already disputed this but there has been no change. 

XXXX XXXX XXXX XXXX Falsely Reporting to my credit report {$14000.00} as a XXXX XXXX XXXX XXXX XXXX. I already disputed this information. It is not my account and needs to be removed from my credit. 

XXXX XXXX XXXX XXXX Falsely Reporting {$26000.00} to my credit report as a XXXX XXXX XXXX XXXX XXXX. I already disputed this but it needs to be removed from my credit because this account does not belong to me. 

XXXX XXXX XXXX - Falsely Reporting to my credit report {$460.00} from XXXX. This account does not belong to me. I am disputing it with the FTC as well. 

XXXX XXXX XXXX reporting {$2300.00} Collection. Requesting that this be removed from my credit. This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX Falsely Reporting {$390.00}. Requesting this be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Falsely Reporting {$3900.00} to my credit report. I am requesting that this be removed immediately.