davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-28
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (TX)

Hello, My name is XXXX XXXX, my address is XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX Tx. XXXX.My phone number is XXXX. I currently am trying to release my co-signer XXXX XXXX XXXX. My co-signer is my brother who is currently in the process of requesting loans for his daughter to begin her 1st semester of college. I was denied the ability to re-lease him according to something appearing in my credit report. I have 11 years of diligently paying my loans on time and holding a full time job.I submitted all the pay stubs necessary and the application. I have thoroughly checked my credit score and it is a XXXX. I have no derogatory claims open. I have called people in the co-signer release dept and none of the representatives were able to resolve my questions as to why i 'm being denied. Nobody could even direct me to a dept administrator to  challenge the judgement within Navient. I need my brother XXXX XXXX XXXX released by XXXX XXXX, 2017. My brother needed his credit freed up to apply on behalf of his daughter 's future education. I 'm asking for fairness to be applied to this scenario. I do n't believe I 'm being treated ethically. I believe the way i 'm being treated is illegal. I have completed the mandatory requirements as outlined in the application process. I have read that Navient is encountering lawsuits specifically with regards to this issue of co-signers being denied release. They explained my brother would be on the loan for the lifetime of the loan. Despite me legally abiding by their requirements. I really want to this issue resolved in an expeditious manner. I do n't want to seek legal avenues. I want to believe Navient is capable of doing the morally right action and releasing my brother XXXX XXXX XXXX. Can you please advocate on my behalf to get my brother released? 
Best, XXXX XXXX
Consumer complaint received 2017-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BBVA FINANCIAL CORPORATION (AR)

BBVA Compass XXXX signature card statements from : @ XXXX, XXXX through XXXX XXXX, XXXX BBVA Compass XXXX signature card BBVA Compass XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX, XXXX BBVA Compass XXXX signature card BBVA Compass XXXX XXXX XXXX XXXX, AL XXXX XXXX BBVA Compass ( both listed locations ) send me statements and complementary checks. 

This is the letter that I have sent both locations : Stop sending me BBVA Compass checking/saving account notices. I do not have a BBVA Compass account.

Stop sending me BBVA Compass XXXX Signature statements. I do not have a BBVA Compass account or BBVA Compass XXXX Signature card. 

In writing, please respond to me and : 1. verify that I do not have a BBVA Compass account.

2. verify that I do not have a BBVA Compass XXXX Signature card. 
3. verify that BBVA Compass has notified its credit rating services that I neither have, nor have requested, a BBVA Compass XXXX Signature card and that my request to stop these correspondences from BBVA Compass does not, and should not, affect my credit rating. 

On XXXX XXXX, XXXX I received a BBVA Compass letter from BBVA Compass XXXX XXXX XXXXXXXX XXXX, AL XXXX. The letter " per your request, we have closed your XXXXBVA Compass credit account. '' XXXX XXXX, XXXX I received another XXXX Signature care statement. It seems that my information has been transferred to another branch and it starts again. This appears to be a XXXX XXXX scam with fictitious accounts. Additionally, neither of the statements has a complete account number - the last four digits differ from each location but the Customer Service phone number is the same and useless.
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

Currently I have listed on my Equifax credit an open collection item for {$92.00} from XXXX XXXX XXXX  with the original creditor being XXXX, which has been documented that it does n't belong to me. 

At the beginning of XXXX XXXX I received a collection notice from XXXX XXXX stating that I had an outstanding balance of {$92.00} due from XXXX. I disagreed with this collection notice and disputed this information with XXXX XXXX right away because I knew that it was incorrect and/or was n't mine. I received an email response from XXXX XXXX, Quality Assurance Auditor at XXXX XXXX on XXXX XXXX, XXXX that stated that the information had been removed from their system. It was also not on my credit report at that time. 

In XXXX XXXX I received an email alert that my credit score had changed and upon reviewing the change, noticed that the above mentioned collection account showed up on my Equifax credit report. I sent a dispute through the Equifax website on this information in XXXX XXXX, stating that it was incorrect and should not be on my credit report. I received a response from Equifax in XXXX XXXX and the " Results of their investigation '' stated that the information was correct and that I needed to correspond with the collection company for anything further. 

After receiving that notification from Equifax, I then sent an email to the same person at XXXX XXXX, XXXX XXXX stating that the collection account was showing up on my credit report and requested that it be deleted. Her response, dated XXXX XXXX, XXXX stated that a deletion of the account was made on my behalf back in XXXX XXXX and that if I was still having issues with my credit report to reach out to the credit reporting agency. 

In response to XXXX XXXX 's email I sent her a screen shot of the collection account from her company that was still showing on my credit report and stated that I had already disputed the information with Equifax and that they had responded that the information was correct and that I had to correspond with the collection company. 

XXXX XXXX 's final email to me dated XXXX XXXX, XXXX stated that the file is no longer open in their office and I had to reach out to the credit reporting agency. 

In summary the collection company acknowledges that the account is deleted fromtheir system and yet it is on my Equifax credit report and I can not get anyone to delete this off my credit report.
Consumer complaint received 2017-11-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (CA)

XX/XX/XXXX - Received an alert from XXXX and XXXX regarding collections account added, XXXX XXXX for XXXX in the amount of {$370.00}. 

XX/XX/XXXX- At XXXX I called XXXX XXXX ( XXXX ) and  spoke with two representatives. The second representative stated that 5 notices of debt were sent to an address I have never lived at. 

Both of the representatives were extremely rude and misleading. I requested a Pay-for-Delete over the phone and both of them said " if you pay this it will be taken care  of '', which is nothing close to being deleted, but were phrased in a way to make you believe they would be deleted. I recognized their shady tactics and requested a verification of debt be sent to the correct address, however, the damage has already been done to my credit as the account was added without any knowledge of its existence.
Consumer complaint received 2017-11-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (FL)

In 2006 I refinance my home with OCWEN Loan Servicing phone # XXXX XXXX & XXXX XXXX XXXX XXXX. I was put in Differed Interest Loan which I later found out by my son. I tried to dispute my case on several occasion which fell on XXXX XXXX. I have never missed a payment since 2006 and I am now trying to refinance my home and I ca n't closed because of the predatory loan the subjected me in, I made a complaint to the Florida Attorney Generals Office ( XXXX XXXX ) regarding this faulty loan. I am XXXX years old & my wife is XXXX. I have my son as power of attorney to answer any questions you may need regarding this important matter. My wife and I worried at nights that we are going to loose our home that we work so hard keep. My son 's name is XXXX XXXX contact information is ( XXXX ) XXXX XXXX email : XXXX. 

Thank you kindly, XXXX XXXX
Consumer complaint received 2017-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (VA)

Good Morning, I contacted IQ Data International in XXXX this year in reference to a debt that does not belong to me. I requested debt validation and realized months letters that I never received any information that proved that the debt belongs to me. I have no contract with the company and again request proof of the debt in question in the form of a I sent another letter dated XX/XX/XXXX requesting validation once again. I received a letter from IQ Data stating they do not have to validate the debt and will not send the information requested. The letter was dated XX/XX/XXXX. 

This is not satisfactory as not only do I not the debt but there has no information satisfactorily sent to me proving that the debt is mine. 

I call in to question the validity of the debt considering that IQ Data was part of class action lawsuit for improper collection practices.
Consumer complaint received 2017-11-28
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MS)

I reached out to the company after the unexpected and XXXX XXXX of my daughter. I initially reached out to Bayview Loan Servicing to discuss my mortgage options. My home was was free and clear until I entered this relationship with Bayview. This was a cashout refinance but I did n't receive any proceeds. No money was ever disburse to me and according to my Settlement Statement I should have received monies. The loan type initially was suppose to be a fixed rate and $ XXXX. After, later discovering that the actually term was a ARM with an initial rate of 14 % and now the balance as of today is $ XXXX. I strongly believe I have been a victim of equity scheme and taken advantage of due to my age. When I questioned this and explain my inability to maintain this arrangement and to provide documentation on why the interest was high as it is. I feel like they are trying to force me out of my home without trying to assist me in understanding the terms of an agreement that I did n't authorize. They have refused to provide copies of the paperwork. I am in an active bankruptcy and they have ignore the letters as well as calls from my attorney. He has provided evidence that the sale of my property is in fact illegal according to him the proper publication duration has n't accord. But the representative from Bayview stated that the publication did occur for the duration as applicable by law. Despite several request for this documentation it has n't been supplied. I am an elderly lady with health issues this is the last thing I want to be going through at my age in my small community. I have ask desperately for help in saving my home. Calls have been unreturned, representatives have been far less than helpful this is the text book case of stealing, the companies practices is barbaric and sociopathic and no one seems to be concerned.
Consumer complaint received 2017-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Tried to link my account to use the funds in it on today XX/XX/2017, and the bank Capital One is blocking my access to my money in the bank, I sent a message to the bank today, I tried to call them today, but the call did not go through to the telephone number provided.
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021 I was able to access XX/XX/XXXX, and XX/XX/XXXXcredit companies for my credit report. But Transunion said I did not answer the proper security questions and denied me my report. This is not the first time Transunion has denied me access to my credit information. Also when I log in to there website I gain access and it states I do not have a active credit freeze, but my report does. I call to talk to an agent and they confirm I have a credit freeze, then they try to sell me there protection services. I firmly believe Transunion is intentionally making it harder for consumers to access their credit report intentionally so you have to call in and they can pitch their sales products. The issue I mentioned with the credit freeze has been going on for more than an year, and still exist. If there is a true issue with security questions a consumer should be able to talk to a person and have the right to have security questions checked so there is no further delay to access to ones credit report.
Consumer complaint received 2017-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Not long ago this company placed a charge off on my credit reports. I disputed the debt with the credit bureaus and it came back " verified ''. I then sent this company a letter on XXXX/XXXX/XXXX requesting validation ( please see attached ) and they responded in a letter stating that they did n't have enough information to investigate my dispute ( please see attached ). My 3 page letter to them was very, very clear. They are just stalling. It 's as if they did n't read my letter. The fact is, I have never had an account with this company. Do they think because I am XXXX that they can do this? Do they think I 'm XXXX or something. Here are the other facts ; 1 ) I am a XXXX citizen, 2 ) I am a veteran of our military, 3 ) I am a lXXXX XXXX XXXX and lastly XXXX ) They will NOT get away with this. They have chosen the wrong one to play games with.
Consumer complaint received 2022-11-14
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: Experian Information Solutions Inc. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$640.00} ; XXXX  XXXX Balance : {$1600.00} ; XXXX  XXXX Balance : {$190.00}
Consumer complaint received 2016-07-14
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (CA)

I have a credit account through Sears. It has been open since XXXX. Approximately XXXX XXXX, while paying, Sears retail clerk prompted me of an opportunity to enhance my Sears credit through the addition of a Master Card. at the point of that register, through the process of applying to the added credit account that I discovered the store had my incorrect address. I updated the address at the register, and agreed to new account and made a purchase that day. 

In XXXX XXXX, I was forwarded mail sent to my incorrect address, my former address. I paid that bill and opened an online service account so as to stay on top of the tracking- I then updated my address. In XXXX XXXX, I received a notice from credit bureau ( XXXX ) survey account stating that there was a change in my credit report. It pointed out the Sears card. I then promptly attempted to sign in to investigate the account. 
As I attempted to sign in, the Sears online system did not recognize my email stating that my email was not registered. After multiple attempts with multiple user names and passwords, I promptly called Sears to investigate on XXXX/XXXX/XXXX. The Sears clerk told me that he saw that I was registered through the Sears online system, but not through the Sears Credit card online system. In essence, the online banking system for the Sears card that I have held since XXXX, and the new Sears Credit opened in XXXX XXXX are not linked, correlated, or connected in anyway. XXXX, therefore, must have made XXXX separate online accounts. This added step and process was no where disclosed anywhere by the company nor its affiliates. 

The multi step online registrations requiring XXXX user names and such are not disclosed and creates ambiguity and confusion on behalf of the consumer that can have serious ramifications. I think that this is capricious and not fair to the consumers, and now my credit score has been dropped by these discrepancies. 

In the meantime, I have paid all bills in full, but seek remedy for the XXXX notes added to credit score affiliated with the Sears credit card online system.
Consumer complaint received 2016-01-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (NY)

I paid off in full and closed my credit card with Macy 's in XXXX this past summer in their stores. Since then, I have continued to receive statements from Macy 's reflecting unpaid interest charges for my account being open. I have called repeatedly to have the charges removed and to have my account closed. Each time I call, the representative claims to have cleared all charges and to have closed the account. I am very concerned of how this impacts my credit rating.and find Macy 's actions to be harassment.
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

CAPITAL ONE IS TRYING TO COLLECT MONEY DUE ON TWO ACCOUNTS XXXX AND XXXX WHILE UNDER AUTOMATIC STAY WITH THE BANKRUPTCY COURT. ALSO, FAILING TO RE-INSERT THESE TWO ACCOUNTS INTO XXXX DATA BASE AND XXXX  OWNED BY XXXX. 

PLEASE SENA LETTER FOR THE BANKRUPTCY TRUSTEE FROM YOU AND XXXX  BEHAVIOR. 

THESE ARE CLEAR VIOLATIONS OF THE DODD-FRANK ACT.
Consumer complaint received 2017-11-28
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 — Investigation took more than 30 days
Company: Westlake Services, LLC (CA)

I surrendered my vehicle back to the bank last year. Eventually the vehicle was picked up. The vehicle has been resold at a higher price than what I owed left on the vehicle. But my credit reports shows that I still owe them. I have tried to dispute my credit reports. One of the credit report deleted the information. But the others remain.
Consumer complaint received 2017-12-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NC)

Not long ago this collection agency placed a collection on my credit report. I disputed the debt with the credit bureaus and it came back " verified ''. I then sent this company a letter on XX/X/2017 requesting validation ( please see attached ) and they responded in a letter stating that they had researched and the debt is valid. What kind of response is that? The fact is, I have never had an account with a company called XXXX. Do they think because I am XXXX that they can do this? Do they think I 'm XXXX or something. Here are the other facts ; 1 ) I am a US citizen, 2 ) I am a veteran of our military, 3 ) I am a XXXX XXXX XXXX and lastly 4 ) They will NOT get away with this. They have chosen the wrong one to play games with.
Consumer complaint received 2017-11-30
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: Experian Information Solutions Inc. (FL)

XXXX and Experian have not provided me information on how they verified my credit information on a bankruptcy that does not exist or belong to me on my credit profile. I sent certified letters to them on XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. I have copies that they received my request, but no results or verification has been provided to me on how they got there information.
Consumer complaint received 2017-11-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Money ( {$3500.00} ) was transferred from my BOA account into my daughters account without my authorization. I was an overseer of her account and she had no access to my account or permission use my account in any manner.The money was then taken out of 5 different ATMS in AZ. I filed a fraud claim with BOA and it was denied. I called them back and they since have reopened this case but will not give me a time frame to get my money back. This is wire fraud. They told me the device used was her phone.
Consumer complaint received 2017-11-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commercial Trade, Inc. (CA)

I am reviewing my Credit report dated XXXX/XXXX/2017 only to discover that a debt collection of {$15.00} appeared on my report. I did n't know about the debt, neither was I contacted by phone nor by writing or otherwise.
Consumer complaint received 2017-11-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been charged overdraft or returned item fess when the balance is low, even though money comes in the next business day, often before the check or transaction clears. 

XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00}
Consumer complaint received 2017-11-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Account Services Group, LLC. (CO)

For the past several weeks XXXX XXXX with the NAS Group has repeatedly called not only myself but my entire family in regards to " file number XXXX ''. When they initially reached out to me in XXXX I returned the call on XXXX XXXX but was not passed on to XXXX XXXX. The representative I spoke with ( XXXX XXXX ) was pushy and rude and I told him not to call me or my family anymore. The phone calls ceased briefly, but have since resumed as of XXXX XXXX. After the treatment their employee subjected me to, and this repetitive harassment of not only myself but my parents and my siblings, and even their wives, I am resolute to my previous statements that they can email me directly but they must stop harassing me and my family.
Consumer complaint received 2017-11-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation (FL)

My main concern is that I 've been told that this loan is actually illegal in my state. I still plan on paying it off, but if these loans are illegal in my state they should n't be able to offer them. I 'm struggling to pay it off but I 'll figure it out I guess.