davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (GA)

I receive, on average, 9 calls every single day. I had credit cards with XXXX XXXX and told them I am unemployed. I tried to make arrangements to repay, at one point, and started but my husband lost his job. They have contacted my sister, who's number was NEVER give. Her name isn't even similar to mine. I receive private phone calls from them, restricted phone calls from them XXXX number calls from them ... daily. back to back to back. Then it stops for about 3 hours, and starts again. I received one call, three times stating that the man was a lawyer and I needed to have my lawyer call them. I owe a debt yes but I have committed no crime. I have blocked their numbers, they have called from lines that are forwarded to other numbers.
Consumer complaint received 2018-11-05
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (AZ)

My original student loan was with Navient ; which was incurred in XX/XX/XXXX ; I was current on my loans until I filed for bankruptcy ( which was filed in the bankruptcy courts in Arizona on XX/XX/XXXX ), listing Navient in my bankruptcy petition. On XX/XX/XXXX, the Judge entered an Order of Discharge ( which Navient was part of that discharge order ). After the order, I received phone calls and letters from XXXX ; and now on my credit report I have a company stating I owe them student loans to this company : XXXX XXXX  XXXX XXXX XXXX XXXX ( Educational ). I have never had any loans with this company ; nor do I owe any loans as I filed for bankruptcy and owe nothing to anyone.
Consumer complaint received 2018-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (CA)

A few years ago I had service with XXXX. I went ahead and fulfilled my obligation with them until I decided I wanted to cancel services. Once I did, I went in person to cancel services and pay for any final charges. They gave me an amount and said I was done. I asked in person if I needed to return my equipment to them and I was told no. I was told that I had purchased the equipment and it was mine to keep. 

Here we are almost in XX/XX/2019 and I see a brand new collection for XXXX or rather XXXX now. I call XXXX and they don't seem to know why I owe them any money. I then call the collector named Waypoint and am told that it is for equipment charges. I fight with Waypoint because if XXXX couldn't tell me what the bill was for how would I know if I really owe for equipment charges? In the end I was told that is what it was for. I was upset but decided against making a big scene so I explained how I was told I had purchased my equipment and paid any amount due at the end in person. I said that I would go ahead and pay for the equipment even though I was specifically told that there was no money owed and the equipment was mine. Waypoint refused. They said they wouldn't remove anything from my credit report. I was more upset. 

After Waypoint refused to remove this account from my credit report even if I paid i began getting more upset. How is it that someone can go in person to a company they have no contract with and pay them their final bill in person. Then ask the company for any other moneys owed and told there isn't any. Ask the company about returning their equipment and told the equipment is now owned by the person. Never receive a bill. Never receive a phone call. Never told there is a collection. And then told that even though none of this is their fault, but regardless of whether the collection is paid or not, it would still hurt their credit report. How is that fair or even reasonable? How is it logical? 

I really don't believe this is right. I understand Waypoint isn't the one sending me to collections when I was told I didn't owe any money and equipment is mine, but I don't believe Waypoint should collect this money or credit report it when they have been informed of the circumstances. To collect this debt knowing full well that I have been lied to or cheated now involves them in the matter.
Consumer complaint received 2024-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AZ)

I am submitting this complaint regarding Mohelas mishandling of my student loan account. On XX/XX/XXXX, I received official notification that I was enrolled in the SAVE Plan and placed in forbearance until my payment amount could be calculated. Under this plan, I should not have been required to make payments or accrue interest during the forbearance period.

However, without any notification via email or mail, Mohela moved me to a standard payment plan on XX/XX/XXXX, requiring payments that were four times higher than my estimated SAVE Plan amount. I was not informed of this change in advance or given the opportunity to address the issue. I was also not able to sign online to review my account for months ; now that the website is working, I see that my account is past-due, and I've made several attempts to contact MOHELA via phone.

I should still be under SAVE Plan forbearance without accruing interest or being required to make payments until my repayment amount is properly determined.

I am requesting : Immediate reinstatement of my SAVE Plan forbearance status.

Correction of any accrued interest or past-due status caused by this error.

Confirmation of my correct plan enrollment and communication going forward.

Thank you for your prompt attention to this matter. Please let me know if further information is required.
Consumer complaint received 2018-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

Navient, the servicer of student loans has now been sued by 5 states. Those include California, Illinois, Mississippi, Pennsylvania, and Washington. Navient is not only accused, but is scamming student loan borrowers, and I want to report the scam they're attempting with me. For the past couple of months, I have been paying at least 80 % more than is due. They now show after I refinanced, I owe {$0.00} for an Unsusidized Stafford Loan. They deliberately are attempting to deceive me into not paying so they can accrue interest on a daily basis for the next couple of decades. On the Navient website, there is an option to " Contact '' by email. When that option is selected, a new website opens and I required to login into my account. I have to repeat the same process, because they know full well, being under investigation for white collar crimes, they prohibit me from contacting them by way of email. They have no idea that I actually maintain full documentation on my payments and what is applied to principal versus interest. I have also provide full evidence to my Attorney General, XXXX XXXX, so he has additional leverage to press forward on ensuring that Navient is better regulated. I have pay far more than Navient requires, and wants, because I don't trust Navient and their lack of ethics and honesty.
Consumer complaint received 2018-11-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (CA)

Commonwealth I am wrting regarding a collection you wrongfully placed on my credit report. 

I contacted the orignal creditor you reported on my credit report XXXX  XXXX XXXX also known as XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX. 

I have contacted them with every contact according to The state of florida department of corporations " see attached '' They do not know who I am. 

They stated due to HIPAA they could not speak to me. 
Surely this is a mistake. 

Can you please remove off of my credit report. attached you will see the owners of this company. 

Its actually not a hospital its a collection agency. I think they may have sold you my dads information. we had the same last name ... .and he died around this time. 

Its difficult for me to keep reliving this.
Consumer complaint received 2018-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Consultants, Inc. (AZ)

In XX/XX/2018, I opened a business account with XXXX XXXX XXXX in my company name. My account was closed in XXXX and they reported to the consumer credit bureaus in XXXX that they gave me a Line of Credit for the negative balance on the account. They also reported the account and my EIN to XXXX as a negative bank account. I contacted the bank and asked why are they reporting on my personal credit report and was told that they gave me a line of credit when I opened my account but I never applied for it nor did I receive it.
Consumer complaint received 2019-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (OH)

I am attempting to get a copy of the terms and conditions of a card that was opened in my name but is no longer open. I called multiple times to try to get a copy. The first call on XX/XX/XXXX I was transferred to two different departments and then provided a number and was transferred to another department. When I was transferred the call was disconnected. I attempted to call the number I was given and it is not a valid phone number. On a second call I was told they couldn't help me. I then called back a third time and was told that I would receive a copy via postal mail in 5-7 business days. Instead they mailed me a letter telling me my account is closed and I need to speak with their collections department rather than providing me the correct documentation.
Consumer complaint received 2018-11-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RevSolve, Inc. (MN)

They keep calling me and have been using different numbers over the last few months and I've been reporting them to this website. 
They keep asking for someone who I don't know who they are and I have told them that and also they have the wrong contact information because I've lived at this number since the house was built. I've asked them to take me off their call list because of that reason and yet they still call me asking for that same person.
Consumer complaint received 2018-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (WA)

On XX/XX/2018 I paid a {$950.00} settlement payment to XXXX XXXX and removing the inquiry from all three credit reports which was agreed upon by both myself and the company. However, the additional amount of {$230.00} remains requested on my credit reports and this is not cooperative with the settlement agreement that we made.
Consumer complaint received 2020-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

On XX/XX/2020 XXXX I sent XXXX XXXX {$190.00} via CASH APP for a XXXX XXXX XXXX edition. The item and profile was listed on XXXX. The XXXX profile name was XXXX. She then proceeds to tell me package should arrive in a few days. a week almost passes and package never comes i then tell her to give me the XXXX  tracking number and it turns out to be invalid. I then tell her to send me my money back via CASH APP. She makes excuses and says it wont go through. I even requested it back and still it wont got through. I give her my XXXX info to send it through and she says it still doesnt work and tells me to make a email with password and send it to her. I have yet to receive my money and XXXX. I called XXXX who I bank with and they tried to despute the charge but They reversed it XX/XX/2020. XXXX said they cant help me with anything. CASH APP says they cant offer refunds contact the recipient, but that doesnt work either. XXXX XXXX CASH APP name is $  XXXX the mobile number used was XXXX XXXX XXXX XXXX XXXX. Plz help me my account is - {$200.00} I just want my XXXX back
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

Under the law, I am protected. The bureaus can not have information on my credit report that can not be 100 % correct, 100 % validated, original contract with signature proven/on file. This is under the FCRA, FDCP. In addition, I am entitled to {$1000.00} PER offense, PER bureau for defamation of character and then some.

Attached you will find letters I received asking the company to VALIDATE that I have an account with them by sending me a copy of the ORIGINAL CONTRACT BEARING MY SIGNATURE. If they claim the account was requested via the INTERNET, I requested a copy of the video surveillance showing ME filling out the application. If the account was requested by phone, I requested a recording of the phone call. In each letter from the company the state : " WE DO NOT HAVE A PHYSICAL COPY BEARING YOUR SIGNATURE '', " WE 'BELIEVE ' this account was established by YOU. '' Excuse me?? This is not VALIDATION. This is NOT proof that I have an account with you. Some claim they received payments during the time the account was opened. Still no proof. STATEMENTS ARE NOT PROOF OF VALIDATION.

I want these accounts immediately removed from ALL BUREAUS. If the company itself has no proof they can validate that " I '' have an account with them, then the bureaus are also lying and reporting falsely because I hold the document that will prove to a judge in a courthouse, in my venue, that neither the original debtor, the bureau, or XXXX XXXX, XXXX XXXX, ANY collection/third party holds a contract with me. Electronically : no video. Physically : no signature contract. By Phone : no recording of me requesting account. SO TELL ME : HOW IS THIS VERIFIED OR VALIDATED??
Consumer complaint received 2018-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I received numerous telephone calls from Portfolio Recovery associates regarding a account they said I owe to them. I have never opened an account or signed any contracts with this company. I requested all communication with me to be done via mail or email back in XX/XX/2018, I continued to receive phone calls with scare tactics being used about being sued and or negative credit reporting. I requested validation of the said accounts and Portfolio Recovery kept sending me the same auto generated letter stating they purchased debt that I owe. I advised this company that I have no known knowledge of the account and to send written documentation providing that I owe them. I received a letter on XX/XX/18 dated XX/XX/18 that included some incorrect statements and a message again saying that I owe them. I sent a validation request via certified mail XX/XX/18 asking for my signatures, contracts, or default notification stating that I owe their company. And again they sent me the same auto generated letter stating that they brought debt from a company and I now owe them. Portfolio Recovery has failed to comply with Federal guidelines and have continued to report negatively to the Credit Bureau without properly validating this account. This agency is violating FCRA by submitting debt under my name to major Credit Bureaus that is unsubstantiated and validated insufficiently. It is unlawful to report to the credit agency without meeting FCRA criteria.
Consumer complaint received 2018-11-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DISCOVER BANK (WA)

For 3 years I have made payments late to Discover Student Loans occasionally but never more than 30 days late. They repeatedly call after being 3 days late 5 times a day starting at XXXX and ending at XXXX. It is harassment and I wish I could afford to pay on time but think this is unfair treatment. Please help me if you can. Thanks
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Under the law, I am protected. The bureaus can not have information on my credit report that can not be 100 % correct, 100 % validated, original contract with signature proven/on file. This is under the FCRA, FDCP. In addition, I am entitled to {$1000.00} PER offense, PER bureau for defamation of character and then some.

Attached you will find letters I received asking the company to VALIDATE that I have an account with them by sending me a copy of the ORIGINAL CONTRACT BEARING MY SIGNATURE. If they claim the account was requested via the INTERNET, I requested a copy of the video surveillance showing ME filling out the application. If the account was requested by phone, I requested a recording of the phone call. In each letter from the company the state : " WE DO NOT HAVE A PHYSICAL COPY BEARING YOUR SIGNATURE '', " WE 'BELIEVE ' this account was established by YOU. '' Excuse me?? This is not VALIDATION. This is NOT proof that I have an account with you. Some claim they received payments during the time the account was opened. Still no proof. STATEMENTS ARE NOT PROOF OF VALIDATION.

I want these accounts immediately removed from ALL BUREAUS. If the company itself has no proof they can validate that " I '' have an account with them, then the bureaus are also lying and reporting falsely because I hold the document that will prove to a judge in a courthouse, in my venue, that neither the original debtor, the bureau, or XXXX XXXX, XXXX XXXX, ANY collection/third party holds a contract with me. Electronically : no video. Physically : no signature contract. By Phone : no recording of me requesting account. SO TELL ME : HOW IS THIS VERIFIED OR VALIDATED??
Consumer complaint received 2020-11-17
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

On XX/XX/XXXX a disputed a missed payment on my auto loan due to Hurricane Laura that hit XXXX XXXX, Louisiana. Our area was declared a natural disaster and I called the bank beforehand. 

The amount was {$700.00} and the loan is through Bank of America. 

I have never missed a payment besides this one.
Consumer complaint received 2018-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

i have disputed the late payments on XXXX XXXX XXXX account for months. Transunion refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (OH)

I applied at XXXX for a part time job and they went thru first advantage for a background check that indicated I was on a XXXX registry and had felonies. I have never been in trouble my entire life I have no background.
Consumer complaint received 2019-05-06
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 (FL)

On XX/XX/XXXX I called regarding membership fee of {$59.00} and was advised will need to call back on the XXXX to have it waived. When I called back I was denied the fee waiver and the ability to change my product to one which does not have a membership fee without any explanation why or how/what I need to do in the future to be able to do so. I have 2 credit cards with this company both over 10 years and they are unable to assist or explain so that I as a consumer to become financially responsible. When I asked to file an internal complaint and for my concerns I was advised there was not a phone number or address to forward my concerns. I feel like I am being wronged as a customer and being held to a fee in which new customers do not have to pay.
Consumer complaint received 2019-01-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Cornerstone Home Lending Inc. (UT)

I am trying to remove PMI from my conventional loan. I have contacted the Servicer and they said that it would cost XXXX dollars to have an appraisal done. This seemed excessive and sure enough, I read on thXXXX XXXX XXXX site ( F-1-02 : " Servicing Guide '' ) That " The borrower must be charged the cost of the BPO or appraisal based on the following table ... ''. This stipulates that the servicer " Must '' follow this table and only charge me {$150.00} to have my property 's value appraised.

Because of the exorbitant amount Cornerstone Home Lending ( CHL ) wanted to charge me I held off on the appraisal because I considered it a poor financial decision at the time. After I found this appraisal cost information I contacted CHL to clarify the cost so that I could have the appraisal done and the PMI removed. It took nearly 1 week to get a response at which point they said the following in an email : " Please be advised that your loan servicing will be transferring to your new servicer on XX/XX/XXXX. Due to your upcoming transfer, we may not be able to complete any further actions on your loan to pursue PMI removal. We apologize for the inconvenience ; however, you may request PMI removal with your new servicer after the transfer is complete. '' I inquired further trying to figure out more information about this sudden change. Why didn't I receive any information about this? Why am I receiving this information in the same email string about removing PMI instead of through an official notice? Why am I being told about this 1 week before it's slated to happen? I contacted CFPB to find out what my rights were as a homeowner and found out that at the very least my lender is required to give me notice 15 days before any changes happen, this never occurred ...

I would have removed my PMI inXX/XX/XXXX( saving me ~7 months of PMI payments )
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX I ask XXXX XXXX XXXX to dispute information on credit report due to recession hardships which prevent my payment with loss of job. Send them more request till XX/XX/XXXX and on XX/XX/XXXX letter of debt validation with charge off for {$7700.00} on XX/XX/XXXX received. XXXX XXXX also ask me send back possible details to support dispute. On XX/XX/XXXX I ask them to provide me 1099- C form pursuit to section 1681 I ( a ) ( 2 ) from for the actual account XXXX charge off due to my financial hardship. Again on XX/XX/XXXX I had sent another letter asking 1099-C. But didn't receive any letter from XXXXXXXX XXXX XXXX