davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-22
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. (IL)

I have co-signed for my Son to attend School, XXXX, since he has graduated he has not secured work. Therefore he can not afford the monthly payments for both SallieMae and Navient. Because of this his student loans have grown substantially ... 

Navient -1st attempt to lower payments, I was told they could not do anything for me, even though I was told when I co-signed they would put him in a comfortable payment plan. Navient allowed a forbearance to bring loans up to date, however I mentioned to them that my Son will still not be able to afford the payments and he will be put back into the same position ... 3 months go by, receive several calls asking for payment, finally Navient works with me on lowering payment to a more affordable payment. However this now hit my credit report reflecting the 90 days past due. If they would just have put me into this program on my 1st attempt, this would not have affected my credit report. Additionally, the actual loan amount has increased substantially from when I actually co-signed to now ... because of interest. Highway robbery ... 

SallieMae-1st attempt to lower payments, I was told they could not do anything for me, even though I was told when I co-signed they would put him in a comfortable payment plan. Navient allowed a forbearance to bring loans up to date, however I mentioned to them that my Son will still not be able to afford the payments and he will be put back into the same position ... 3 months go by, receive several calls asking for payment, finally Navient works with me on lowering payment to a more affordable payment. However this now hit my credit report reflecting the 90 days past due. If they would just have put me into this program on my 1st attempt, this would not have affected my credit report. Additionally, the actual loan amount has increased substantially from when I actually co-signed to now ... because of interest. 

Please let me know what can be done about this ...
Consumer complaint received 2023-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (FL)

XX/XX/2023 Home Point Financial Corporation sent me a forced Placed flood insurance letter stating they wanted me to purchase flood insurance for my home in the amount of {$270000.00} which is more than the legal maximum amount possible for a residential home in Florida. After I purchased the maximum of {$250000.00} and both my insurance agent an I each sent then proof or coverage via fax and on the web site for {$250000.00}, the maximum, Home point is still refusing to admit I have the coverage and is forcing Lender placed coverage on me in the amount of {$13000.00}. Please assist in upholding the law and stopping them from fraudulently collecting money they are not entitled to.
Consumer complaint received 2018-08-22
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Your company has failed to respond to consumers request with in 30 days as Mandate by the fair credit reporting act, not answering consumers request within 30 days is a violation that could carry up to {$1000.00} penalty per item in a court of law. 
Please delete Requested items from my credit report I am litigious consumer and I fully intend to enforce my right as for the Fair Credit Reporting Act. 

Thank you for your quick response in this matter.
Consumer complaint received 2019-03-29
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. (NJ)

XXXX, XXXX XXXX XXXX, XXXX XXXX reported additional negative information on my report I want removed.!! I never received any responses from the credit bureau. Please help I need this false information removed from my credit.XXXX XXXX below is additional information I also attached more information. 
XXXX {$550.00} {$350.00} 158 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX XXXX   XXXX & XXXX XXXX XXXX XX/XX/XXXX {$6500.00} - XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4200.00} {$4200.00} XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX XXXX   XXXX XXXX/XXXX XXXX {$100000.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$27000.00} - - Installment Current XX/XX/XXXX You have 9 Closed Accounts Account Name XXXX XXXX Limit Usage Type Status Opened On XXXX   XXXX - {$100.00} - Revolving Paid XX/XX/XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX XXXX XXXX XXXX XXXX - - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Installment Paid XX/XX/XXXX XXXX   XXXX XXXX XXXX {$550.00} {$350.00} 158 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX   XXXX - - - Real Estate Unknown XX/XX/XXXX XXXX XXXX XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Real Estate Paid XX/XX/XXXX XXXX
Consumer complaint received 2018-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Commonwealth Financial Systems, Inc. (FL)

XXXX has been non-compliant with removing the unverified account COMMONWEALTH FINANCIAL SYSTEMS which has been deleted by XXXX  and XXXX. XXXX and XXXX   have both completed their research and determined that COMMONWEALTH FINANCIAL SYSTEMS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (FL)

Equifax has been non-compliant with removing the unverified account Bankruptcy Voluntary CH-XXXX which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that Bankruptcy Voluntary CH-XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-08-22
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: BARCLAYS BANK DELAWARE (CA)

My account has been restricted for well over a month and no person from the entire company can say what the problem is either in writing or by phone. I guess I am entitled to some kind of response from the company that I have been doing business with and making payments for a long time.
Consumer complaint received 2018-08-22
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. (OH)

I have written dispute letters to XXXX, XXXX and TransUnion in regards to derogatory and negative closed accounts that are on my credit report. 

All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018. 

The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I pulled my consumer report on XX/XX/XXXX of 2022 and saw there were some inaccuracies on my XXXX report. I sent in letters to this reporting agency a few times, only to not get a response nor remedy, my most recent letter sent 30 days ago which is the cut-off date and time that they have to respond or fix the inaccurate report. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I did not authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given XXXX permission to furnish this information. This is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Promptly delete all inaccurate information as listed in this letter. 

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. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 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.

Proof or evidence needs to be produced that supports your claim or shows that you were right in your decision to furnish this information, I am demanding the removal of the above-mentioned inaccuracies within 30 days of this letter. It is your duty to accurately report information and as of now, you are violating my rights as a consumer. I look forward to XXXX resolving this matter with this initial communication. Should you choose to be willful and neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.
Consumer complaint received 2023-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

my name XXXX XXXX i see i have a collection on my credit report from midland credit balance XXXX i dont owe this company any money and i been disputing it with XXXX  and XXXX  XXXX  i want midland to delete this account from my credit report asap delete delete
Consumer complaint received 2018-08-22
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. (OH)

I have written dispute letters to Equifax, XXXX and XXXX in regards to derogatory and negative closed accounts that are on my credit report. 

All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018. 

The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-25
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Scratch Services, Inc. (CA)

In XXXX I applied and was granted a PPP Loan with XXXX XXXXXXXX XXXX during lock down due to COVID. At that time I applied and was approved for forbearance. At no time did I receive a notice from XXXXXXXX XXXX XXXX  that my loan had been transferred to SCRATCH. 

On XXXX XXXX, XXXX I received a letter from SCRATCH LLC stating that I was delinquent in repayment of this loan. I called and left voice messages on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX I sent a certified letter to SCRATCH requesting documentation that I owed them for any late or finance fees in connection with the PPP loan from XXXX XXXXXXXX XXXX 

On XX/XX/XXXX I sent an email requesting documentation again for the so called late fees on the loan. On XX/XX/XXXX I was emailed an access link to an online account and advised to complete the forbearance application. I was advised that this application was approved. 

On XX/XX/XXXX I received an email stating that there were more " late fees '' due. I emailed requesting documentation. No documentation was received. 

On XX/XX/XXXX I called SCRATCH. I spoke with a representative who looked through my " file '' and said that I had to pay the late fees but she saw that the forbearance was approved on XX/XX/XXXX. I tried to log into the account and was denied access while speaking with the representative. XXXX minutes later we were disconnected. I called back and spoke with " XXXX '' who advised me that in the beginning of them taking over these loans their representatives were telling clients that if they got approved for the forbearance that they wouldn't owe any interest or late fees. She told me that if I agreed to pay {$150.00} that she would escalate the file to be written off and close the account. I paid this amount on XX/XX/XXXX. On XX/XX/XXXX I received an email stating that I had to complete a forbearance application. I tried to login into my online account and was denied access again.
Consumer complaint received 2018-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CT)

In 2015 I attended at XXXX XXXX college. I have two loans one through Sallie Mae ( wish they pushed me to go through ) and one through Navient. A few years ago I enrolled in auto pay through Navient. I called a customer representive and asked how much my balance was, I was told XXXX which is what I took my loan out for. What was really upsetting I was so so shocked I couldnt even talk, I was brought to tears, was the fact that I have been paying {$40.00} every month faithfully ( getting taken out of my bank account ) and I have not done anything to my total amount paid. I am so disappointed, I work full time and paying my Sallie mae loan every month is more expensive then a car payment. I really need to speak to someone that actually knows what they are talking about. I made the decision to go to college, and the representatives they have working for them do not take that under consideration, they want to take advantage of young people and not properly explain that I would be paying back XXXX for the rest of my life. Never have received a paper statement where I was for the month, like I do with Sallie Mae. I really need someone educatied and willing to help because I have a large debt and I need someone that is understanding and not looking to take advantage of me. I work very hard for the money I do have and hearing what I owe is the same I took the loan out for just seems very skeptical. Ive heard of Navient doing shady things, but I have never experienced it myself.
Consumer complaint received 2022-03-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Real Time Group, Inc. (MO)

It started with XXXX XXXX XXXX, XXXX XXXX. XXXX. Now Real Time Resolutions is involved. They have tried to deceive me to sell my home and money. In XXXX XXXX XXXX and XXXXXXXX XXXX really mess up my loan. By putting mortgage in a Securitized Trust. I applied for a Loan Modification with XXXX XXXX and was approved XX/XX/XXXX. Right after that XXXX XXXX Transfer Servicing to XXXXXXXX XXXX My first statement said I had to pay {$9500.00} when it should have been {$390.00}. From that point it has been downhill. Within four months after my Modification XXXXXXXX XXXXe said I was in default {$11000.00}. They never prove to me how I owe that amount. I was forced to file Bankruptcy. It was very hard at time trying to keep up with arrears payments and regular payments. Then they forced insurance on my in their name. I would send payments and they were not applied. Then again, I was forced to file Bankruptcy it has ruined my credit. Less than a year after my loan Modification. I received a letter XXXX XXXX stated I was in default of a loan on behalf of XXXX XXXX in the amount of {$16000.00}. XXXX put in a claim that was Denied. They had presented so many different documents some was XXXX Mortgage as creditor and then XXXX XXXX as Trustee as creditor. Also, not providing a completed escrow statement and what was actually paid from escrow balance. Next XXXX made up an Assignment from XXXX XXXX to whom they supposedly were Servicing Loan for XXXXXXXX XXXX as Trustee. I contacted XXXXXXXX XXXX and they confirmed they had No affiliation with my property. Now just a month Ago another Assignment of Deed of Trust was filed Stated XXXX XXXXas Trustee has Transferred Deed of Trust To Real Time Resolutions INC XXXX XXXX. In XX/XX/XXXX XXXX XXXX  as Trustee stated No affiliation with mortage. Real time Resolutions has sent me over One Hundred Collection notices the month after my XXXX XXXX Discharge XX/XX/XXXX I didn't know who they were. No Assignments filed until XXXX XXXX on XX/XX/XXXX I received a Letter from XXXX XXXX XXXX that they have been appointed Trustee of the Deed of Trust to Foreclose on my home. It is so much more they have cause me so much Distress
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Synovus Bank (LA)

I noticed a purchase on my transactions that I did not make. I am in Louisiana and it says Arizona. I have tried to report this to the credit card company. I called the number on the back of the card ( the number can not be found online ) and it is and endless loop of a recorded message, a brief hold, and the phone ringing. I went online to get help. I clicked the link to consumer center and it logs me out. I have also tried to pay my bill online and it takes me to a screen that says I must use my banks bill pay feature.
Consumer complaint received 2018-08-21
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. (MO)

The following inquiries are not mines, and my request are for them to be removed, I understand what inquiries are, and understand me when I say I did not apply for neither, .. XXXX/ XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX - XXXX XXXX, XXXX ( XX/XX/XXXX )
Consumer complaint received 2018-08-21
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. (MO)

The following inquiries are not mines, and my request are for them to be removed, I understand what inquiries are, and understand me when I say I did not apply for neither, .. XXXX/ XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX - XXXX XXXX, XXXX ( XX/XX/XXXX )
Consumer complaint received 2018-08-21
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. (MO)

The following inquiries are not mines, and my request are for them to be removed, I understand what inquiries are, and understand me when I say I did not apply for neither, .. XXXX/ XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX - XXXX XXXX, XXXX ( XX/XX/XXXX )
Consumer complaint received 2018-08-21
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. (LA)

On Today, I received a response from Equifax stating that I should send a copy of my social security card so that they can update my information. I also attached a copy of an utility bill so that they can add the correct address to my credit report. I filed an identity theft report with FTC. I ask that Equifax remove anything on my credit report that isnt supposed to be on there. If the items cant be verified and send me proof of verification then I ask that they permanently remove these items from my credit report.