davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have reviewed the attached documentation submitted by XXXX XXXX in connection with a previously submitted complaint. Nowhere on the application does it authorize XXXX XXXX, XXXX, or any entity, financial or otherwise, by specific name, proxy or otherwise to obtain my credit report. Due to XXXX XXXX 's failure to clearly and unambiguously identity itself as an entity authorized to obtain any credit report, this credit application is null and void. I spoke with XXXX XXXX of XXXX XXXX XXXX at XXXX and she confirmed that nowhere on the application is XXXX XXXX XXXX or any business entity whatsoever identified. In turn, the hard inquiry by XXXX XXXX XXXX is rendered invalid along with the XXXX XXXX XXXX hard inquiry itself.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: VYSTAR CREDIT UNION (FL)

XX/XX/2023 was a tough day finding out as I was visiting a relative with XXXX my XXXX XXXX along with my personal belongings including my Vystar Credit Card. Fortunately XXXX was understanding and completely complied requesting that I obtain a Police Report. 

I contacted the XXXX XXXX police department and an theft report along with fraudulent use of my Vystar Credit Union ( They advise 0 % Fraud Liability ). After contacting Vystar at the local office going twice because they added more transactions to dispute then required. The branch manager advised to obtain a Police Report & FTC Fraud report and within 10 days you will have a provisional credit for the loss so it not going to effect my availability. I thanked her and about a week later fax Vystar credit union back office the FTC Report & Police Report information about 5 times as the gentleman at XXXX was having trouble. Nevertheless Vystar was faxed the legal documents that I was originally requesting to send. I need to note this is around 10 days after I originally disputed the fraud.

To retaliate against me because of being victimized by fraudulent charges and because of my age and handicap ; Vystar closed the credit card and revoked my debit card charging capability. 

According to the FTC While the issuer is investigating your complaint, you can withhold payment on the disputed amount and any finance and related charges. But youre expected to pay any part of the bill not in question, including finance charges on the undisputed amount. 

The issuer may not take action against you for using your rights. The issuer can tell the three nationwide credit bureaus ( XXXX, XXXX, and XXXX ) that youre challenging your bill. 

But the issuer cant take legal action to collect the amount youve disputed ( or finance charges ) may not close or restrict your account ( THIS IS WHAT VYSTAR CREDIT UNION DID ) cant threaten your credit rating or report you as delinquent may not require you to pay your full balance immediately cant discriminate against you if, in good faith, you exercised your rights under the law to dispute a bill If your bill has a mistake, the issuer must explain to you in writing the corrections that will be made to your account and remove all finance or other charges related to the error. This plus more falls under the The federal Fair Credit Billing Act.
Consumer complaint received 2017-06-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NE)

First of All, al l of my loans are in default because  XXXX   XXXX  refused to work with me on consolidating my private loans, they would not help me to get payments to where I could afford them. I was NEVER told ever in the 10 years I have had the student loans that there were other options besides forebearance or deferement. I did those as long as I could until I could no longer do them anymore and then I just did nothing. In  2013 , I was working with Creditor, which I never should have because it was probably out  of SOL, but I  was told my wages would be garnished etc. I was lied to. This whole process started in  XXXX     2013. I w orked a deal with the creditor to lower interest rat e to .001 on private loans after making 4 qualifying payments of {$250.00}. Well I did that, in the mean time Navient t ook over and my interest rate never was changed I fullfilled my obligations they did not fullfill theirs. After repeated emails, and calls and being transferred to several people and no answers. It took 4 years, 4 years for them to figure out how to get my interest rate down to .001 %. I have yet to see any paper work to show that they took off all the interest that incurred during those 4 years as well as any late fees incurred. I have asked and none has been sent. Now they want me to renew my payments for another 2 years. I told them I need the payments lower as I now own a home and I already pay federal loans to Navient and customer service reps are very rude to me and refuse to work with me and lecture me on how I should have never been late on payments and how it can negitively affect  my credit score which only   ifurates me considering I have waited 4 years for them to fix this  XXXX . My mortgage is now twice as high as when I started making these payments I can not even afford to feed my kids. I have worked with them yet they STILL refuse to work with me and continually  XXXX    XXXX   XXXX  . I am tired of it and need something done or I am just going to try to get another loan an hire a lawyer. Something needs done to protest us hard working people who are trying to pay this back yet get NO help. I am NOT refusing to pay I am asking for a smaller payment. Federal loans go my my income and is way lower than what they want. I can also go on about  XXXX   XXXX  who also promised to place me in a job when I graduated and they did not do that either. They made many promises and promises to ma ke  XXXX - XXXX  g rand a year which is NOT happening. Anyhow any help you can provide would be beneficial.
Consumer complaint received 2017-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION (FL)

I had  XXXX  credit cards wit h NavyFederal Credit Union that discharged ba ck in  2016  because I was not able to pay them. I recently started using my Savings Account at  NavyFederal Credit Union and to my surprise, I log into my NavyFederal Credit Union Savings Account this morning and they have arbitrarily taken my money from my savings account and applied it to the discharged c redit cards. How can they take my money and apply to an old debt that has been written off?
Consumer complaint received 2017-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

Fed Loan Servicing put my loans in deferment. I never asked my loans to be put in deferment. They intentionally put my loans in forgiveness in order to extend the loan repayment period. I have been paying my loans every month of over two years now and I never wanted my loans to be in deferment. Fed Loan Servicing is intentionally putting my loans into deferment in order to to extend the loan repayment period. I never wanted my loans to be in deferment. Fed Loan Servicing put my loans in deferment about three months ago which I never asked for. Fed Loan Servicing needs to retroactively return my loans to normal repayment status back three months. There should n't be a deferment period in my loans as I never asked for a deferment period. Fed Loan Servicing is intentionally trying to extend the repayment period on my loans by putting my loans in deferment which restarts the clock for loan repayment.
Consumer complaint received 2015-06-26
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (PA)

I sent a letter to all parties that I think might hold my mortgage to telling them that I heard about the supreme court case regarding rescission. Because I filed the notice when I found out I was not getting any cash out of the refi I sent a notice to rescind and have a copy of the actual form. Green Tree replied to my request by asking me to provide proof of the date it was received before the deadline. They are missing the point of the XXXX v XXXX home loans, is that recission starts the moment it is dropped into the mailbox, not when they receive it. I was told at the time that they did not get it before the expiration date. But they did get it. I was lied to by title agents about the terms of the loan. I asked them to honor my request for rescission which was originally directed to XXXX. The right to rescind the loan expiration contingent upon any cash being given out of the refi to be intentionally misleading. I was never told I had to wait until expiration of rescission or that if I did not get cash out I would still be under the terms of the loan. See enclosed letters from both myself and Green tree.
Consumer complaint received 2015-03-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (MI)

The following summarizes my issue with PNC Banks policy, and their refusal to properly rectify the consequence of their mistake. 

On XXXX XXXX, 2014 I placed a currency exchange order for XXXX XXXX 's at the PNC bank located at XXXX XXXX XXXX in XXXX XXXX, Mi. This transaction is XXXX # XXXX. Subsequently, I picked up the money and engaged in a conversation with a bank associate about returning unused monies. At that time I was told that I could return paper money, but that they would not accept coin. 

On XXXX XXXX I went to the bank to return XXXX paper XXXX for approx. $ 35-40 U.S. At that time the bank associate made a telephone call to determine the exchange rate on the currency. After that call she informed me that the bank had a policy of not exchanging XXXX with a value of less than {$100.00} U.S. In response, I told this associate that I inquired about returning XXXX when I picked it up, and no one told me about this requirement. I certainly could have brought back the required amount if I had known about it, and I told her that the bank was negligent in not informing me about this. I felt that they made an error, and want me to suffer the consequences of their oversight. The bank associate told me that she would discuss the matter with bank management, and someone would get back with me. 

On XXXX XXXX I received a call from someone at the bank who identified himself as " XXXX ''. He told me that he checked out my exchange issue, and found that PNC had a policy of not exchanging XXXX with a value of less than {$100.00} U.S., and they could not make exceptions to this policy. I asked him why the bank did not inform me about this when I inquired. He apologized, and it appeared to me that local bank personnel did n't know about this policy. When I asked XXXX about the reason for this requirement he stated, " efficiency 's of scale ''. I pointed out to XXXX that the bank had a XXXX opportunity to make this requirement known to me in written communications, but missed that chance also. As a result of my order, I was given a written record of the transaction entitled " PNC Foreign Exchange Services ''. This document should have defined the return exchange requirement, but failed to do so. I told XXXX that I viewed this failure as additional negligence on the part of the bank. 

XXXX was firm in his position that the bank would not exchange the XXXX for me, and he suggested that I try to get it exchanged at the airport. I told XXXX in response that I have been a member of PNC and it 's acquired banks for almost 50 years, and I would like to believe I could count on my bank for this service.
Consumer complaint received 2015-05-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (FL)

I had an FHA mortgage which I think uses deceptive marketing techniques and fraud as a basis for concealing the total cost of the mortgage. First of all, there was no way to cancel my mortgage insurance despite my loan only being XXXX % LTV because I refinanced the mortgage for a lower rate and it has a mandatory 5 year MIP payment from the time of refinance regardless of the value of the home. We recently sold the house and now found out we have to pay the entire month 's interest despite closing on XX/XX/XXXX. This resulted in a charge of {$810.00} of interest regardless of closing earlier in the month.
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX items for XXXX XXXX XXXX appear on my Credit Report.never had bank with this institution. I went to this Bank and they enter my information wich result i do not appear in their system at all.The bank told me tu dispute it with credit bureau due to the fact that is there error.
Consumer complaint received 2016-09-30
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (MA)

I had XXXX dollars on paypal account that was taken out of my account last XXXX. Can you please have the courtesy of resolving this issue by calling me directly and refunding the XXXX dollars I had in my account from a direct transfer service?
Consumer complaint received 2016-05-18
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Nationwide Debt Management Solutions, LLC (FL)

This company claimed to be Nationwide XXXX, and they have called my work and demanded rudely to speak to my boss after calling all around my organization. This is unacceptable. I have never received any sort of mail from them, and I am assuming they are some sort of zombie debt collection outfit/scammer. I do not deal with companies I have never heard of anyway, as I get numerous scam calls. I will not deal with them on the telephone, period. If they believe I owe them something, they need to contact me in writing, but calling my office is not tolerated. If they get me fired, then they can be assured they wo n't ever see a penny, even if by chance there is some legitimacy to this, which I doubt. The call came at approximately XXXX to my office secretary, and the rude caller claimed her name was XXXX XXXX with a number of XXXX. I believe the number XXXX is also associated with these people.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (CA)

The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I am not aware of this account in my consumer report. 

I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
Consumer complaint received 2015-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CT)

Bank : XXXX XXXX XXXX XXXX XXXX : OCWEN ISSUE : ASSIGNMENT OF NOTE MADE AFTER BANK WENT BANKRUPT ( XXXX XXXX XXXX bankruptcy XX/XX/XXXX XXXX, assignment to XXXX XXXX being used to foreclose dated XX/XX/XXXX was signed by " attorney-in-fact '' for XXXX XXXX XXXX, who works for old bankrupt bank and newly assigned bank ( XXXX XXXX ) loan servicing company OCWEN, who has been fined XXXX by the federal government as has XXXX for fraud, yet we are still in foreclosure!!!!!!!!!!! 
Issue : We have been in foreclosure since XX/XX/XXXX. It is XX/XX/XXXX. Back then my husband had lost his XXXX figure job and then took a $ XXXX/Hr job, now he is back to nearly XXXX figures, but we are still fighting foreclosure! The bank is using ROBOSIGNED FALSIFIED DOCUMENTS IN A COURT FORECLOSURE STATE, ( CT ), BUT OUR ATTORNEY WOULD NOT ARGUE THAT BECAUSE JUDGES DO NOT LIKE TO USE " FRAUD '' BY BANKS TO " GIVE HOUSES AWAY ''. The mortgage originated with XXXX XXXX XXXX XXXX XXXX XXXX went bankrupt XXXX XXXX, XXXX. HOW WAS AN ASSIGNMENT OF OUR MORTGAGE SIGNED BY AN " ATTORNEY-IN-FACT '' for the XXXX XXXX XXXX Mortgage by an OCWEN employee and notarized by an Ocwen employee with initials of reported robosignors in XXXX XXXX? FACT : THE ASSIGNMENT OF OUR MORTGAGE TOOK PLACE TWO YEARS AFTER THE MORTGAGE COMPANY WENT BANKRUPT AND THE ASSIGNMENT WAS SIGNED ON BEHALF OF THE BANKRUPT BANK TWO YEARS POST BANKRUPTCY. There is a " lost note affidavit on file. They had to have some " PROOF '' they had the right to the house, so why not falsify the assignment to XXXX XXXX who is actually the trustee!!!! acting on behalf of XXXX XXXX XXXX XXXX, XXXX XXXX to whom the mortgage was transferred purportedly?????
Consumer complaint received 2023-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I suffer from identity theft in 2013. 
XXXX XXXX XXXX disputed the charge off due to identify theft. 
Cach LLC is now suing me froze money from my bank and now has debited my account.
Consumer complaint received 2023-04-04
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. (TX)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2015-08-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP. (CA)

In process with short sale for property on XXXX XXXX XXXX, XXXX, CA. XXXX. Accepted offer of {$240000.00}. 1st and 2nd asked for new price of {$250000.00}. Buyer obliged to pay {$250000.00}. XXXX is the loan on the first, through XXXX XXXX. XXXX has accepted the offer, and from XXXX procedures, is offering the 2nd loan with 21st Mortgage the industry protocol of {$6000.00}. 21st is holding up the short sale and is insisting on {$44000.00} and that the first mortgage should pay them the difference of {$6000.00} and {$44000.00}. XXXX is saying no, due to industry standard. Short sale specialist and myself have contacted 21st. 21st is stating we should do a deed in lieu, which makes no sense, as 21st would have to buy out XXXX and come up with {$240000.00} to do that. 21st was not the original loan, they bought the loan from XXXX. 21st has an acceptable offer, and is industry standard, but would rather get nothing and ruin my credit when I have done everything they have asked of me to make this difficult situation better.
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

As a federally protected consumer, I am requesting proof of the alleged debt. Under the doctrine of estoppel by silence, Engelhardt v. Gravens, I may assume that no proof exists. In good faith, I demand evidence of the debt, specifically the alleged contract bearing my wet signature, and proof of your authority in this matter.

I have no account with you, nor have I entered into any contract, so I require the following information : Your authorization under 15 USC 1692 ( e ), ( f ), and ( g ).

Your legal authority to collect this information. 
Your legal authority to collect the alleged debt. 
Your authorization to operate in my state. 
Proof of the alleged debt, including any contract with my signature. 
You have 7 days to respond in writing. Failure to do so will waive any claims and lead me to presume your previous communication was sent in error, closing this matter. Your continued silence is unacceptable. Please provide proof or correct the erroneous reporting of this debt with the credit agencies. 

I am currently unable to secure housing or employment due to violations on my credit file, and if you do not respond, I will initiate a small claims action for {$5000.00} in damages for defamation, negligent enablement of identity fraud, and violations of the Fair Credit Reporting Act. 

This notice serves as a formal dispute regarding the validity of the alleged debt, and any information received will be used as evidence for further action. The FTC and CFPB will also be notified of this matter.