davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

Payments made since XX/XX/XXXXshow inconsistencies with how they are applied to the principle versus the interest. Periodically payments are made where more is going towards interest and the incorrect amount is going towards principle. There are adjustments made over the years. Some say adjustments ; some are interest adjustments. Since XX/XX/XXXX, interest adjustments have been made, but no adjustments to the principle have been made. This means that the amount that was incorrectly applied to the interest is being taken off, but not applied to the principle. My questions are why is this happening consistently? Why hasn't the right corrections been made since XX/XX/XXXX? Why can I not speak to someone about this issue? I was told that a response would come to me via US post office mail. I'm unsure how this issue will be resolved by mail or why there is no one for me to talk with to handle my account?
Consumer complaint received 2016-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Adjustment Service, Inc. (MN)

I am receiving threatening and harassing telephone calls and death threats from representatives from Diversified Adjustment Service , Inc., for a debt of {$260.00}. The account is an unauthorized and fraudulent account. I have never applied for an account with XXXX XXXX. I am a victim of identity theft. Someone stole my identity and used my personal information to apply and open an account with XXXX XXXX. I filed a police report with the XXXX XXXX Police Department. The police report case number is : XXXX
Consumer complaint received 2015-05-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

Enclosed is all the information in reference to my private student loan. I have contacted them multiple times in reference to defeerment or lowering my payments. As per the student loan company they can not do that. I have explained that I have financial hardship and I can not pay what I am paying and can not further my future as I cant even get a place on my own and still struggle to pay.
Consumer complaint received 2016-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

XXXX 2016 our house payment jumped over XXXX $ due to raised house taxes.My understanding is a mortgage may not charge more then 31 % of a families gross income, a payment of XXXX is over that limit.I filed a loan modification with bank of America denied, appeal denied.I am XXXX my spouse is retired we have a very set income.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identify theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERISAVE MORTGAGE CORPORATION (CO)

XXXX XXXX Loan Originator NMLS ID # XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AZ XXXX This company ran a hard inquiry on my credit without my consent. This company contacted me through my current home loan servicer. After I called them to ask them about the refinance offers they had available, they on a recorded line told me that that this was not a hard pull on my credit and asked to do a soft pull in order to give me rates. They lied to my face on a recorded line.
Consumer complaint received 2020-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I immediately identified fraud on my account, specifically that someone had spent XXXX at XXXX 's in XXXX. I mistakenly thought I had my card with me, but I did not and had lost it. I marked on the form that I had my card with me. They denied my claim as a result. I also realized later that a charge from XXXX, a grocery store, for XXXX, was also a fraudulent charge. My claim was denied and they are charging me for both even though this was a crime.
Consumer complaint received 2021-03-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I want to file a complaint with the company XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, Phone : ( XXXX ) XXXX. Creditor : Bank of America. 
Account number ending in : XXXX. Balance due as of XX/XX/XXXX : {$6900.00}. 

On XX/XX/XXXX, I sent a letter stating that the information sent to me to validate the credit card debt was unverifiable and incorrect. I stated the debt was invalidated. I asked to cease all reporting and cease all collection of debts immediately. 

On XX/XX/XXXX, a letter was sent to me with a NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COSTS. 

The company states to file suit on " BEHALF OUR CLIENT BANK OF AMERICA ''. 

However, Bank of America already charged off this debt to another company called XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX in XX/XX/XXXX. 

Then, I guess XXXX, eventually sold off this debt to XXXX XXXX XXXX in XX/XX/XXXX. 

The resolution I want is for XXXX XXXX XXXX to cease all reporting, cease all collection of debts immediately, and not file suit for this debt because the debt was invalidated, unverifiable, and incorrect.
Consumer complaint received 2020-02-23
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: Innovis (TX)

XX/XX/2020 Source XXXX  Company XXXX XXXX XXXX XXXX Address XXXX XXXX   XXXX XXXX XXXX, GA XXXX Activity UNPAID ( D ) Balance {$1600.00} Alert Details Alert Date XX/XX/2020 Source XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX g.f address remove it XX/XX/2020 Source XXXX  Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Activity XXXX XXXX XXXX ( Collections ) hippa violations Alert Date XX/XX/2020 Source XXXX  Date Submitted XX/XX/2020 Estimated Resolution Date XX/XX/2020 Report Number XXXX Inquiry Date XX/XX/2020 Account Number XXXX Company XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX hippa and ftc XX/XX/2020 Source XXXX  Date Submitted XX/XX/2020 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX   XXXX Address XXXX XXXX  XXXX XXXX, TX XXXX ftc and hippa violations XX/XX/2020 Source XXXX   Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX hippa violationsXX/XX/2020 Source XXXX  Date Submitted XX/XX/2020 Estimated Resolution Date XX/XX/2020 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX hippa
Consumer complaint received 2020-02-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates collection company bought and own a debt they claim I owe. The account number is XXXX. I do not have a contract with Portfolio Recovery Associates nor have I ever had a contract with Portfolio Recovery Associates collection company, therefore I do not owe them any money.
Consumer complaint received 2021-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-02-23
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. (TX)

hippa and ftc violations they have been sent police reports and ftc will not fix them Equifax and Experian XXXX XXXX XXXX XX/XX/2020 Source Experian Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX-XXXX  Phone XXXX XXXX XXXX XXXX XXXX ( Collections ) Balance Date XX/XX/2020 Balance {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Source Experian Date Submitted XX/XX/2020 Estimated Resolution Date XX/XX/2020 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2020 Source XXXX  XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX, GA XXXX Activity UNPAID ( D ) Balance {$1600.00}
Consumer complaint received 2020-02-23
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: EQUIFAX, INC. (FL)

I have several inaccurate statements on my credit report including several accounts that do not belong to me. Am I a victim of identity theft or is this a mistake? 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX - Opened XX/XX/XXXX - Original Creditor = XXXX XXXX XXXX XXXX - {$200.00} XXXX XXXX XXXX - Opened XX/XX/XXXX - Original Creditor Name = XXXX XXXX  XXXX XXXX - {$160.00} XXXX XXXX XXXX - Opened XX/XX/XXXX - Original Creditor = XXXX XXXX XXXX - {$430.00} XXXX  XXXX XXXX XXXX - Opened XX/XX/XXXX - {$220.00}
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (PA)

On ( XX/XX/2024 ) I sent an Identity theft letter to ( XXXX XXXX XXXX XXXX XXXX XXXX, NAVY FCU ). I have not received a response nor has ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NAVY FCU ) complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that was mailed on ( XX/XX/2024 ) and an updated FTC identity theft report. To my understanding, according to FCRA, debt XXXX have 30 days to respond to disputes and request made by the consumer. ( XXXX XXXX XXXX XXXX XXXX XXXX, NAVY FCU ) have not made XXXXne call, or sent one letter in regards to disputes I've mailed to them. This is a direct violation of FCRA Section 611 ( A ) ( 1 ). Which is punishable by up to {$1000.00} in fines per violation. If any disputes per the consumer request are not met with proof or verification within the requested and lawful amount of time, this account is to be deleted from the the consumer 's report, as by lack of response and documentation requested it signifies that this account is unable to be validated or verified. This Lack of validation per the consumer request is in direct violation of FDCPA Section 809 ( b ). Attached are the letters I sent plus my updated identity theft FTC report.
Consumer complaint received 2020-02-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Ad Astra Recovery Services Inc (OH)

I was taken a look at my XXXX and I see I have a collection debt account for {$480.00} from AD ASTRA RECOVERY SERVICES for XXXX I have no knowledge of this company account with AD ASTRA RECOVERY SERVICES for XXXX  XXXX taken in XX/XX/2017 This collection on my credit report is hurting my credit score and I would like it removed permanently
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP (MN)

US BANK responding to what they indicate about the delays, I was under the deferment and the extra charges created the whole problem, never claim that this is not my account but that the reports are incorrect because there can be no delay and less charge off if I I am an essential worker and that is why I asked for it
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (FL)

I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please forward me any documentation providing proof I applied for credit with this creditor. This includes any and all signed consents for running my credit by myself ( XXXX XXXX ) If you can not provide such documentation, then please remove this inquiry from my credit file immediately. i am again launching this dispute due to an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for credit with your company I am also asking that they remove the inquiry from my credit profile. Please launch an investigation into inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

In 2019, several attempts were made to request that XXXX XXXX/XXXX accurately report the status of my former account as " paid ''. Disputes were submitted to credit bureaus and requests were made to XXXX XXXX. 

XXXX XXXX has continue to inaccurately report the status of this account, even though it was sold to another entity, and subsequently paid. The account is not in a current " charge off status ''. I was given assurances that this status would be removed, and updated to " paid ''.
Consumer complaint received 2016-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

There are repeated calls from XXXX to myself and family members ( mother grandmother father step mother ) threatening to issue a bench warrant for my arrest. They say they are a law firm called XXXX legal group but when they begin talking they demand payment and threaten to issue bench warrant for my arrest. They call repeatedly to all my family members and are extremely rude to them. They call me private and from unknown numbers. They leave case or docket numbers XXXX XXXX./
Consumer complaint received 2016-12-27
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (MD)

the reply from freedom mortgage makes no sense to me, the loan modifical would put me in a better position, with a lower payment and a fixed rate. the payment would not grow bigger than my XXXX check. i am a XXXX veteran. just looking for a tiny bit of help
Consumer complaint received 2018-05-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (AL)

I have been attempting to get my payments to a manageable amount for loan sequence three. I have been reaching out to servicer AES who said they have contacted XXXX but have not heard anything back. This has been going on since XX/XX/2017. XXXX has acknowledged they have received the request in a previous complaint but have yet to respond. In the meantime my credit is being hurt due to them not responding. I am attempting to pay the debt I just can not afford the current payments.
Consumer complaint received 2021-06-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4th dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2020-02-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (IL)

I received a Vanilla Gift Card for {$300.00}. I did not use the card until on vacation in XXXX. I used very little of the balance and still have the card in my possession. 

In XXXX, I checked the balance of the card to determine the remaining balance prior to using it again. 

I found that 3 unauthorized transactions occurred on XX/XX/XXXX. All three were paypal transactions. 

I called the 800 # on the back of the card and notified the company of the unauthorized transactions. They emailed me a claim form on XX/XX/XXXX, which I completed and returned by mail. 

I called around 30 days later and they claimed to have not received my forms. I received another email and returned via email on XX/XX/XXXX 

Vanilla Card declined my claim stating it was outside the 60 days allowed. As a gift card, I do not receive periodic statements alerting me to activity on the account. 

I responded several times since then, quoting their own terms and conditions, which state that if a claim is filed outside of the 60 days, they can deny the claim if I was negligent. 

Since I am in possession of the Card. I am not negligent. I did not authorize or perform those transactions.

Vanilla Card is bound by not only their own terms and conditions, but VISA 's Zero Liability rule. 

I would like your assistance in obtaining the refund due to me on the claim. 

Thank you.
Consumer complaint received 2020-02-23
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: CREDIT WORLD SERVICES, INC. (OK)

CREDIT WORLD SERVICE Last reported XX/XX/2020 {$1000.00} Open balance XXXX UNIVERSITY XXXX XXXX Original creditor Report info Take a look at some options to help your score
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern I have been monitoring my 3 main credit reports with the intention of trying to improve my credit and maintaining a fair to good score from all three bureaus. There are 2 accounts that have been disputed and taken off my XXXX score/report, however they still appear on my Transunion and XXXX reports XXXX I believe my privilege of challenging/disputing said accounts are being ignored from the two agencies, which are resulting in inaccuracies in all 3 reports/my FICO score. 

I don't believe Transunion or XXXX are making any solid efforts to resolve this, as I have disputed both accounts with both agencies recently and yet they are still on my reports. Under 15 U.S.C. Sec 1681i ( a )?, they discrepancies must be proven to be accurate, or they must be deleted. 

The said accounts are XXXX XXXX XXXXXXXX XXXX in the amount of {$62.00}, which was disputed and removed from XXXX in XX/XX/22. The other account is XXXX XXXX XXXX which was disputed and removed from XXXX back in XX/XX/22. I have provided snapshots of all 3 credit reports for review. 

I have talked with an attorney friend of mine of this, and she believes my Fair Credit Reporting Act right are being violated, specifically Sec 15 1681 section 602. A ( which states a right to privacy ) and also section 604.A, section 2 ( which states a consumer reporting agency can not furnish an account without my written consent. ) I have filed a previous complaint to your agency about Transunion, your complaint ID # XXXX. I'm writing this as a new complaint and supplement to that complaint.
Consumer complaint received 2016-11-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA (OH)

I was in the process of submitting paperwork for loan modification with XXXX Mortgage XXXX, after submitting documentation with Making Home Affordable to them with XXXX number XXXX, and received and signed by " XXXX, '' on XXXX/XXXX/16, XXXX mailed on XXXX/XXXX/16 ), when I received a foreclosure complaint from XXXX XXXX XXXX XXXX listed as plaintiff, by their attorney XXXX XXXX of Reimer Arnovitz Chernick & Jeffrey CO LPA in XXXX, XXXX, Summoned by XXXX XXXX with Case Number XXXX.