davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: State Collection Service, Inc. (GA)

Around mid XX/XX/XXXX I starting getting calls from XXXX XXXX since my wireless provider flagged the number as suspected SPAM/Fraud. I refused to answer the number. The calls keep coming daily and multiple times per day. I finally out of curiosity answered the a call later in the month XX/XX/XXXX around XX/XX/XXXX of the month. I asked who they were and why were they calling me. They refused to id themselves and asked for my birthday social security number to id me before they would tell who they were and why they were calling. I told them I would never provide sensitive information that could result in ID theft to unidentified caller id as SPAM suspected Fraud by my wireless provider. They still refused to say who they were and demanded my personal info again. I hung up on them. The calls kept coming and I decided this time to co call back around the end of XXXX hoping to hear a company name or information. None was provided Rep picked up refused to say who they were. Again demanded my personal information before they would provide who they were and why they were calling. On XX/XX/XXXX I got letter dated XX/XX/XXXX from State collections Service Inc with XXXX number listed that was calling me. I proceeded to call and asked why? the couldn't have said I'm with State Collections Service Inc and I'm debt collector attempting to collect a debt? The person said we don't do that until we verify we have the correct person. This is appalling a debt collection company will not at least say who they are. How is that in line with FDCA orr ACA  practices? I settlement the final amount owing to the Hospital and bill is not paid in full. But, I wanted this complaint noted as I don't see how the XXXX gives this company A+ with all the negative complaints. How is anyone raving about debt collection company that calls you for weeks before sending the letter on the debt. In this day and age of rampant ID theft how is it fair practice to call people and not at least saying your company name and your debt collector? Where is that problem you're not discussing the account they're calling on or any other information.
Consumer complaint received 2018-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

I have a debt amount with Navient of {$75000.00}. I have called Navient multiple times over the years of 2008 to current, to better understand why I have a student loan amount this high. It has increased over the years due to interest. But the amount that it started out was way too high to begin with.
Consumer complaint received 2018-05-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (PA)

The company in question is US Bank, our mortgage provider. 

We are attempting to remove our monthly MIP ( mortgage insurance premium ) from our bill. Per FHA and guidelines from US Bank, the following conditions must be met : 1 ) The loan must be 5 years old ( we closed on XX/XX/XXXX ) 2 ) The LTV ratio must be 78 % of original value. Per their own documentation ( attached ), we need our balance to be below {$180000.00}. Our current balance is {$180000.00}. 
3 ) We must have a good payment history ( we have zero missed or delinquent payments in our payment history ). 
4 ) We must submit a written request to remove the premium, which we have done and they have received. 

On XX/XX/XXXX we received a letter from them which spelled out all of the requirements ( see attached letter ), which we have now met. On XX/XX/XXXX, we made a large lump sum payment to bring our mortgage balance down to below the 78 % LTV ratio threshold. On XX/XX/XXXX, we sent a letter to the email address specified by US Bank as our written request for removal of the premium. This was confirmed to be an acceptable way to request removal of the premium. 

On XX/XX/XXXX, we called to check the status of our request, and a customer service representative for the bank told us that we were a " few hundred dollars off '' and would need to pay some more. Our balance and the letter show otherwise. I feel that we are being ripped off. We will continue to escalate with the bank, and, in addition to contacting the CFPB, we will be contacting our local representative, as I have heard this story too many times among friends of mine who have also attempted to remove MIP. We appreciate your time in reading this complaint, and hope to come to a resolution soon.
Consumer complaint received 2024-11-20
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. (NY)

Subject : Request for Removal of Inaccurate Charge-Offs Dear Sir/Madam, I am writing to formally request your assistance in removing inaccurate charge-offs from my credit report. I have noticed that there are reoccurring charge-offs listed, which I believe to be erroneous. The details of the accounts in question are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Action by Company : Sold my information and debt to collections without my acknowledgment and consent. 

These charge-offs have been reported multiple times inaccurately, and I believe this is affecting my credit report unfairly. I have already contacted the credit bureaus and the creditors involved, but the issue remains unresolved. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and assist in correcting my credit report by removing these inaccurate reoccurrences. Enclosed are copies of my credit report highlighting the discrepancies, as well as any correspondence I have had with the credit bureaus and creditors. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely,
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2018-09-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

I believe the school has falsified my information to get me approved for a loan for school. I explained that I did not have a job when applying for school. I was told it was not a problem now that I am in school I am constantly being harassed and threatened about the monthly payment I am supposed to be making while in school. I have been told I will not be able to get my diploma unless the monthly have all been paid when I complete the course. I know of several other students who have the same complaint. I was not aware of the terms of the loan I feel I was misled and I would like clarification.
Consumer complaint received 2018-05-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have been a subscriber to the Equifax, XXXX, and XXXX credit monitoring products since XX/XX/XXXX. To my surprise, I initially discovered that there were inaccurate, incomplete, and unverifiable information throughout each of my consumer credit reports. I filed formal disputes on XX/XX/XXXX, with each of the nationwide Consumer Reporting Agencies, namely, Equifax, XXXX, and XXXX. Pursuant to an OFFICIAL CERTIFIED AFFIDAVIT DOCUMENT Number XXXX filed in the OFFICIAL PUBLIC RECORDS OF XXXX COUNTY, TEXAS on XX/XX/XXXX, most of the disputed items were immediately " deleted '' from my consumer file because of the inaccurate, incomplete, and unverifiable information. However, on or about XX/XX/XXXX, some of the previously deleted inaccurate, incomplete, and unverifiable information items suddenly reappeared on my consumer credit reports causing my credit scores to plunge over 208 points. I dispute the validity entirely of these inaccurate, incomplete, and unverifiable information items. I hereby demand that these inaccurate, incomplete, and unverifiable information items be immediately " deleted '' from my Equifax, XXXX, and XXXX consumer credit reports because they are in direct violation of my consumer rights pursuant to the procedures, rules, regulations, and requirements as described in the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Texas Business and Commerce Code Title 2, Chapter 20, and as directed by the Texas Attorney General, the Federal Trade Commission, and the Consumer Financial Protection Bureau. I filed a new OFFICIAL CERTIFIED AFFIDAVIT DOCUMENT Number XXXX in the OFFICIAL PUBLIC RECORDS OF XXXX COUNTY, TEXAS on XX/XX/XXXX with regards to the complaint outlined in this specific dispute with Equifax, XXXX, and XXXX. I have sent Certified Official Affidavit Packages with Certified Exhibits 1 through 7 to the following : ( 1 ) Equifax [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 2 ) XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 4 ) XXXX XXXX XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ]. Please see all attachments and exhibits in the documents to be uploaded into the CFPB system. Thank you!
Consumer complaint received 2018-05-26
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. (CA)

XXXX XXXX XXXX never informed me of my annual payment due date. I received no email, no regular mail and did not have a balance on the XXXX XXXX XXXX Website account to even pay. I was given no chance to pay it nor did I even receive a late notice with at fee. They simply sent it straight to the credit bureaus. In doing so, my score dropped over 90 points. My credit was an excellent XXXX and now has dropped to merely " good '' rating of XXXX. All for a XXXX dollar payment they never told me about ( which I have since payed. ) I have never missed a payment of any kind with them.
Consumer complaint received 2018-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I contacted this company and informed them they were reporting false and inaccurate information. I asked them to provide proof of contract with my signature which could prove I owe the debt. They were unable to do so. Instead, the company sent an internet generated billing statement.

I sent them certified mail demading them to cease and desist contacting me and demanded they quit reporting inaccurate information. They violated both demands.
Consumer complaint received 2018-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (NJ)

I used mobile deposite to put my two paychecks in from my work place, together over {$1300.00} and it's being withheld from me for an extra 9 days. I get paid biweekly and all my money for my NOW past due bills is in there. I called TD bank twice and they pretty much told me " oh well '' and wouldn't even give me a reason why they are being held. At this point I want my money and to close my account.
Consumer complaint received 2018-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aspen National Financial, Inc. (CA)

Aspen National Collections is used by certain Timeshare companies to collect annual dues. Our annual dues for XXXX XXXX is about {$1500.00}. The dues are normally due in XX/XX/XXXX, but we couldn't pay them until XX/XX/XXXX. We made a payment to XXXX in the first week of XX/XX/XXXX. AFTER we made the payment, we received a notice for over {$1800.00} from Aspen National Collections. The day I received it, I called them right away and told them that this was a mistake, that we had already paid the debt. They said it didn't matter. We still had to pay {$1800.00}. I told them that I was sorry but I already paid the debt and I'm not paying it twice. 

Today ( XX/XX/XXXX ) I received a collection notice from Aspen that we owe them {$280.00}, which includes {$6.00} in interest. This collection is for their " fees. '' The fact remains that we paid the debt we owed to the timeshare company and we paid it directly to the timeshare company. And they accepted the payment. Now Aspen is asking for " fees '', but they did not collect the debt. The timeshare company did. So how can they be owed a fee? The Creditor is listed as the timeshare resort. How can the timeshare resort be asking for more money if we have already paid them? 

I am making this complaint in an effort to stop this collection.
Consumer complaint received 2018-05-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

Nelnet engaged in Predatory Loan Practices.

1.inadequate or False Disclosure Nelnet hid or misrepresents the true costs, risks and/or appropriateness of a loans terms They sent multiple letters with different payment amounts and have admitted to doing so 2.Risk-Based Pricing Nelnet engaged in risk based lending by lending high amounts with no proof of ability to repay 3.Inflated Fees and Charges Nelnet did not disclose fees and credit effects to lender 4.Loan Flipping Nelnet bought the Loan and violations d FDCPA practices when buying it. It so packaged it as a 10 year repayment plan without the risk that only 1 missed payment could derail this plan 5.Asset-Based Lending Nelnet sought to give maximum amounts as opposed to tuition only packages to lender 6.Reverse Redlining Nelnet targeted off-site non traditional student for large loans without suggesting any guidance of effects of these large loans
Consumer complaint received 2018-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (FL)

I have had a recurring problem with a XXXX XXXX account which is being billed to me for services I have never asked for or used.

Originally, a collection agency called XXXX XXXX XXXX in Texas reported the account, showing the same balance. I disputed the validity of that debt to the credit reporting agencies and it was removed from my credit history.

Waypoint has recently begun reporting this debt now to XXXX, and it now appears on my credit history. Waypoint did not mention in their reporting that this debt was disputed, and they also reported that the original creditor was XXXX XXXX. This is simply incorrect. XXXX is not the original creditor ; it was XXXX. XXXX was then bought by XXXX, which is part of XXXX, but that does not make XXXX the original creditor.

In any case, I dont owe anything to XXXX or XXXX. I have disputed this debt when it was with XXXX XXXX XXXX and have again disputed this debt now that it is being reported by Waypoint. I do not see how its legal or fair for a debt collector to report a debt, it be contested and removed, and then the creditor simply has a different agency report the same debt under a different name.
Consumer complaint received 2018-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ignite Revenue, Inc. (FL)

Called repeatedly using different tactics nd different phone numbers. Said they are legal dept. and then said they are mediators. Claimed they were going to serve me court documents and have last of my social security numbers, My attorney then called and they said I owed payday loan in amount of {$990.00} which I have never had. They have called my mom and my sister on separate occasions looking for me which is ironic since both myself and my attorney have spoken with them and told them t9 stop harassing me. 

Phone number : XXXX XXXX XXXX number that has called me repeatedly
Consumer complaint received 2018-05-26
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. (CA)

XXXX XXXX XXXX XXXX XX/XX/2015 This insurance policy was open fraudualtly with XXXX. I never owe a XXXX and a XXXX or the other individual on the policy. I have been goin back and forth for the past 6 month. they will not give me any information because I can not verified the account reason I don't no the address on the policy.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX/2022XX/XX/year>
Consumer complaint received 2018-05-31
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Roycroft Management (MO)

Myself & my stepsister received a phone call from an XXXX XXXX XXXX. They claim to be looking for me so they can deliver me important papers from XXXX. I called the number back this morning & XXXX XXXX answered as XXXX. I told him that I was calling for XXXX XXXX XXXX & he informed me that XXXX is one of many couriers they use. I finally got him to tell me what the call was regarding & he told me I had an outstanding loan with XXXX XXXX XXXX that was taken out in XX/XX/2016. When I told him that I don't remember having a loan, nor do I have any communication from them, he said that the loan companies always play the victim part, but he still had a job to do & he had to collect a payment. I told him that I would not make any payments until I got verification of the debt. He told me he understood but if I didn't at least make payment arrangements, he'd have to mark me as default & they will have to take the next necessary steps. Although I contacted XXXX/XXXX, I got another call from a XXXX XXXX @ XXXX this evening, as did my step sister ( from my understanding, it is against the law to continue contacting friends & family members if the debtor has been located ), reminding us that they'll be delivering papers to me on Friday between XXXX-XXXX ( not sure if it's XXXX  or XXXX   ). I reached out to XXXX XXXX XXXX to send me verification of the debt in writing & as of this writing, they have refused to do so. XXXX would not provide me with an address, so I could not send any sort of cease & desist letter.
Consumer complaint received 2018-09-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/18, 2 unrecognized and unauthorized charges were pending on my account from XXXX and XXXX 's in XXXX. I called Bank of America immediately on XXXX and was told nothing could be done until the charges posted. I canceled my debit card, because the number had been stolen. I called XXXX and they were able to identify that an individual that was not me had made the charge, but said I needed to go through the bank to get my money back. Once the charges posted on XX/XX/18, I made the fraudulent charge claim through Bank of America which was given claim number XXXX. The bank credited the charges back to my account, which amounted to {$370.00}. They then claimed to research the claim and decided on XX/XX/18 that the charges were authorized and that they would take the {$370.00} from my account on XX/XX/18. I spoke to a representative in the fraud department on XXXX and asked her to provide me with all of the research documentation. I have received nothing and was basically told there were no notes on the account. I asked for the claim to be reopened and researched more thoroughly in writing on XX/XX/18 via fax at the direction of the representative. At this time, I have had no response to my request. The charges were unauthorized but seem to have not been researched at all and no proof of any research has been provided to me by Bank of America.
Consumer complaint received 2018-05-26
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. (NJ)

XXXX XXXX XXXX  for {$1000.00} they refuse to remove this account it must be blocked off the credit report since it's Fraudulant they have been reporting it for a long time now in correctly the police report states that my Social Security card was stolen with my ID and passport also XXXX XXXX XXXX is a fraudulent account for {$370.00} also XXXX XXXX XXXX for {$33000.00} someone named XXXX XXXX stole my information and rerouted my mail to his residence opened fraudulent bank account under my name and was making payments for XXXX account my phone number was spoofed from His mobile ip which was traced to make it seem like it was me opening the accounts and talking on the phone also he stole my email information and opened accounts under my phone number and emails XXXX refused to block XXXX XXXX XXXX  account since my information was stolen it can't be verified that it was my social since my social wae stolen and passport and id as indacates on the police report
Consumer complaint received 2018-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (CA)

Hello and thank you for your help. I'm exhausted. I ordered my credit report for the first time in years in XX/XX/XXXX and discovered 8 accounts that were in question. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, XXXX, XXXX and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification. 

EOS CCA / XXXX XXXX XXXX has not and will not verify the account in question. This inaccurate information is reporting negatively on my credit report. 
I've been asking for verification for 6 months. 

They replied twice. OnXX/XX/XXXX the letter stated " based on the information in our records this letter serves as verification. '' The second letter which came days later was a settlement offer {$560.00} from {$800.00} plus all three credit bureaus are come back verify without any documentations besides there company letter stating verified. 

Please help me.