davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

Navient, formerly Sallie Mae, has called and threatened to break into my home and steal my college degree from me if I didn't pay this loan. I have a recording of the phone call. This loan is fraudulent. I have several police reports about it. The statute of limitations to collect on it is also up. I am telling Navient they need to stop contacting me about this loan and have no one else ever contact me about this loan again. The information of who took this loan out is not mine. It isn't even my name on the loan papers that Navient sent me. They are now evidence in my police records. The loans my dad XXXX XXXX took out with me as a cosigner are already paid in full. He did not take out a loan pretending to be me. This loan is fraudulent. The only loan with my father XXXX XXXX 's name on it was a loan he co-signed on with me and again it's paid in full. So sending me loan documents stating my father XXXX XXXX took this loan out is ridiculous. Remove this lian from my account and do not ever contact me again about these loans and do not have anyone else ever contact me again about these loans.
Consumer complaint received 2021-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION (TX)

For months I have been charged {$1.00} for balances under XXXX cents and I have been told this is the interest ( 11.24 % ) on my account balance of XXXX cents per month. It is not identified as interest, it shows on my statement a 'minimum charge '. XXXX charges my credit card {$1.00} every month regardless if there is a balance or not. Credit Card representatives explain this 'minimum charge ' as the INTEREST charge on my card. 
Can a credit card company charge me every month regardless of a balance? I have never heard this done with other creditors I have.
Consumer complaint received 2019-01-14
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: TIDEWATER FINANCE COMPANY, INC. (TN)

Identity Theft XX/XX/XXXX someone opened an auto loan in my name under XXXX   XXXX and now its in collection. closed XX/XX/XXXX XXXX XXXX hi balance of XXXX   closed XX/XX/XXXX is not mine XXXX XXXX opened XX/XX/XXXX someone used my ssn for this account. not mine. this account closed on XX/XX/XXXX XXXX XXXX XXXX this account went to collection. opened XX/XX/XXXX. not mine XXXX opened XX/XX/XXXX. not my account closed XX/XX/XXXX XXXX XXXX XXXX   opened XX/XX/XXXX balance XXXX  is not my account XXXX XXXX XXXX   showing as a charge off. this is not my account BankruptcyXX/XX/XXXX error. not mine XXXX XXXX XXXX closed account. this account does not belong to me
Consumer complaint received 2019-01-14
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: EQUIFAX, INC. (MA)

I hereby file this complaint as the servicer of my student loans is once again destroying my overall credit rating without provocation. As you can see from the several postings on all of my credit reports, the problem is very simple to understand. XXXX XXXX XXXX   has the worse history in dealing with the public. My payment history would show a perfect payment history, then suddenly in XXXX  of XX/XX/XXXXthey would report all four student loans as an immediate 90-days late, then 120-days late for two months, then back to paid on time. Then once again starting in XXXX  of XX/XX/XXXXthey would report all loans as 90-days late, all the way up to 180-days late, then a paid on time rating. Now starting in XXXX  XX/XX/XXXX they once again report all loans as 90-days late up to 120-days late, then back to paid on time. At no time is there ever a 30-days late or 60-days late. XXXX XXXX XXXX is destroying my credit history, even though I make my payments on time every month. XXXX XXXX XXXX has a contractual agreement with all three credit bureaus. That agreement, called a subscriber agreement, is very clear that the credit reporting entity must abide by the rules and report properly. This is not the case in this matter. XXXX XXXX XXXX is not only destroying my credit, but at the same time they are violating my rights under the Fair Credit Reporting Act. This practice is nationwide where XXXX XXXX XXXX has no concern for the general public. I need this to come to an end, and I need the late payment history deleted completely. I have once again filed a hard copy complaint to XXXX XXXX XXXX, but I anticipate that they will do nothing to clear my payment history. I will follow through with complaints with the Office of Attorney General, XXXX of Massachusetts next. I need my payment history fixed immediately!!!
Consumer complaint received 2020-06-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: DISCOVER BANK (NY)

Due to loss of job from Covid-19 I spoke with a representative at Discover Home Loan and he said I could sign up for a forebearance plan due to Covid-19. He said he put me in for the forebearance plan and to expect a form in the mail to sign. I spoke with the Representative over a month ago and I still have not received a letter nor have they placed me on forebearance and I keep getting late fees each month and am being reported to the credit agencies as delinquent. I am trying to get caught up, but due to not being placed on forebearance I have racked up late charges since XXXX 's scheduled payment.I wish to be placed on forebearance and the late fees for XXXX, XXXX, and XXXX to be refunded. ( although XXXX has not been charged yet, within another week there will be a charge added to my account ).
Consumer complaint received 2024-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Stellantis Financial Services US Corp. (GA)

First Investors Servicing Corporation INC, has used my consumer right and over charging me on my money out my XXXX XXXX and violating my rights with such criminal act of smooth words and deception. I am requesting clarification and stop any unauthorized activities immediately on my cesta qui account! 

First Investors Servicing Corporation INC acct # XXXX XXXX Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (NH)

This was an account with XXXX that I closed. I returned the phones to a private XXXX store and apparently the owner sold or did not return them. He is no longer in business. XXXX was notified and sent my account to collection knowing this owner did this to many customers. They sent my account to collection and I disputed it. It was closed and removed from my credit report. Two months later the collection was sold to another creditor for the same amount of money. I have disputed that months ago but no reply and its still sitting on my credit report. Im an identity theft victim and these accounts keep showing up.
Consumer complaint received 2016-05-28
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (VA)

This is a transfer of servicing issue. My mortgage was transferred from XXXX XXXX to RoundPoint Mortgage effective XX/XX/XXXX. First, the notification was sent by XXXX on XX/XX/XXXX which seems short notice. It is my understanding that under the New regs of CFPB, it is required that the consumer receive at least 30 days notice of transfer. Second, to date, I have NOT received ANY information from RoundPoint Mortgage regarding the transfer. There has been NO notification or documents stating where to send XX/XX/XXXX payments other the information in XXXX 's initially sent in their letter on XX/XX/XXXX. Again, it is my understanding, under the new CFPB regs the retaining servicer must notify the consumer with in 15 days of the transfer of corrected payment locations. Third, and most important is my escrow account. I have attached monthly statements from XXXX XXXX since the loan closing XX/XX/XXXX that indicate an initial escrow payment at closing of {$1400.00} however these funds were pulled out of escrow on XX/XX/XXXX then reinstated in the account on XX/XX/XXXX with no explanation why. Again however, my escrow balance does not reflect the funds in my escrow balance. My calculations show that my escrow balance should be currently, after my XX/XX/XXXX payment {$3000.00}. This calculation is based on the following : ( {$1400.00} Initial escrow+ {$400.00} XX/XX/XXXX+ {$400.00} XX/XX/XXXX+ {$400.00} XX/XX/XXXX+ {$400.00} XX/XX/XXXX ) However, when I called the new servicer ( RoundPoint Mortgage ) today XX/XX/XXXX, their customer service rep stated that my escrow balance only reflected {$680.00}. I asked if there were any payouts showing on the account and the customer service rep stated NO. This is scary because, though the balance on my monthly statements are incorrect from XXXX XXXX the last state at least showed a balance of {$1200.00}. 
I have filed a compliant with CFPB on this issue but you are only reviewing the initial servicer response however the current server has also paid my real estate taxes that has caused a shortage in my escrow now ( XX/XX/XXXX ) over {$900.00} and the current server is using my payment to pay their advancement. Please take of this ASAP. Do I need to have the VA involved in this issue of how a veteran is being treated through transfer of serving?
Consumer complaint received 2022-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The last XXXX of my social security number are XXXX. Portfolio Recovery has not provided adequate debt validation. Account opened fraudulently. Not mine. Not authorized. The company is in violation of the FDCPA, will be filing a lawsuit, if not deleted from credit reports.
Consumer complaint received 2022-07-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

First off, their customer service is abhorrent! I have been trying to dispute this debt since I learned from other means that I had already been taken to court. I never received notification from these guys that they were serving me. I have checked with the courthouse and the physical description they have of me on file doesn't even match my actual physical description. I don't know who the blonde with perfect eye sight is but, it definitely isn't me. I was never notified of the debt to start because these accounts they list are a result of identity theft and after I have dealt with their customer service I understand why identity theft is so rampant in our country. I had over 5 different reps just provide me with the address on the account and ask that I confirm that it was my address. 1. Not my address. 2. How did you obtain the address since I never provided it to you. 3. How does your skip-tracing work? I only ever called or chatted from the address you have on file. I've never lived there. 

These guys grossly violate compliance with their skip-tracing program. I have to assume the reason why they have the address that they do is because they are violating my privacy rights by using cellphone location. It's the only way that address could've shown up because I have never lived there. 

These guys seem to have an awful lot of information about me without any documentation showing I've consented to any of what they've done. I believe these guys stole my identity at this point since they haven't been able to provide a single signature for any of the accounts they are collecting. 

These debts are invalid. They've not only stolen my identity ( hey, they have the information and nothing indicating consent from me ) but, now they're trying to steal from me further. They never notified me of these accounts properly or else they would have mail confirmation receipts. Anyone can type or copy and paste a letter then change the date so that it makes it look like they're compliant but, I know these guys never sent anything out since they're the ones that stole my identity.
Consumer complaint received 2021-07-15
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 — Their investigation did not fix an error on your report
Company: AES/PHEAA (NC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NOVAD Management Consulting, LLC (NY)

I called on XX/XX/15 to ask why my reverse mortgage balance of {$97000.00}, on a house appraised for {$170000.00}, has a XXXX from XXXX  XXXX XXXX and HUD for {$250000.00} each? 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Consumer complaint received 2023-03-29
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. (TX)

I'm resubmitting this CFPB complaint to express my fury and profound disappointment over the bogus things that were reported on my credit report. The fact that there are multiple items that I did not open or know about and that it is obvious my identity has been stolen is unacceptable. The aforementioned items include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX are a blatant violation of my rights and have severely impacted my financial standing. I insist that you launch an investigation right now and erase these false entries from my credit record right away. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to get a written response from you describing the results of your inquiry and the efforts you have taken to correct this situation.
Consumer complaint received 2018-12-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo has failed to send settlement check for previous clams. Wells Fargo has caused Financial Deformation by not opening up an account under XXXX XXXX XXXX. I have submitted 24 karat Gold, under the Mines and Minerals Act of 2009, at the Time of Opening up XXXX XXXX XXXX. XXXX XXXX XXXX, account number ending in XXXX ; XXXX ; XXXX. I have submitted XXXX XXXX and XXXX XXXX to Wells Fargo representative who open my account on record. XXXX submitted to Wells Fargo is supposed to be Transferred to the Department of Treasury.
Consumer complaint received 2017-02-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (IL)

The mortgage company caused multiple delays in the closing process. These delays caused much stress for both me the buyer, as well as the seller who almost cancelled their contract. This issue resulted in XXXX closing dates not achieved, as well as several thousands of dollars of extension fee 's that were levied onto my loan even though I had nothing to do these delays, XXXX % of the time I returned any requests, or documents requested before the next day. I feel this was a form of extortion, for that regard, it would be next to impossible to restart the process with another institution this far into the process. Furthermore upon reflecting back to those issues, I feel that maybe those issues were intentionally caused, maybe to create a stream of revenue for the bank, which if that is the case I think it maybe fraudulent.
Consumer complaint received 2020-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (SC)

Procollect collection agency refuses to remove or put into a closed category a previously paid collection. It remains in an open status on all my credit bureaus. I previously asked the CFPB to assist and Procollect provided a response which they never followed through with. I'm a XXXX XXXX XXXX Veteran and this open collection is impacting my benefits.
Consumer complaint received 2020-02-05
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. (PA)

Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent accounts. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when reporting information to credit bureaus. When you receive a request like this with an Identity Theft Report, you must stop reporting fraudulent debts to credit bureaus.

The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please send me a letter explaining your findings and actions.
Consumer complaint received 2019-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NJ)

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-12-21
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CT)

Made numerous calls to Care Credit involving my account. They didnt honor a special interest free promotion and expect be to pay the interest that wasnt supposed to be charged in the first place. Not only have they refused to credit the interest, Ive received late fees on top of the balance and they have since closed my card and reported negatively on my report.
Consumer complaint received 2019-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2023-03-29
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items 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
Consumer complaint received 2023-03-29
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate 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 XXXX XXXX Balance : {$4200.00}, XXXX XXXX XXXX Balance : {$29000.00}