davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (OH)

The collection from National Credit Systems for {$5500.00} was requested to be validated on XX/XX/2018. The 30 day period to validate this debt has expired according to FDCPA. 

This is NOT a failure to pay rent scenario. 

They are trying to collect on renovations that occurred after I moved out. They have NOT been able to provide any receipts for the work that was completed to total the {$5500.00}. 

The rent dispute was handled in court and was dismissed. ( see attached )
Consumer complaint received 2017-12-09
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: Experian Information Solutions Inc. (MD)

I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX today at XXXX XXXX. Spoke to XXXX ; I asked if the they could remove an error from my credit report. I told her that under the FCRA section 604 ( a ) ( 3 ), this reporting does not fall under these terms use in this case : accessing my credit report was not for employment purposes, underwriting for insurance, eligibility for a license, investor, a credit transaction and so forth. 

I spoke to Experian and spoke to several representatives starting at XXXX XXXX today. The last person I spoke with was XXXX who advised me to contact XXXX XXXX. This error is preventing me from obtaining credit and to build towards getting a loan for a home.
Consumer complaint received 2021-02-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Spoke to a female representative at Bank of America, who explained to me that my check for {$260.00} would be taken care of to pay for my rent. The reason why I called is because I was checking to make sure that I still had overdraft. A week later, I receive a notice from the landlord that the funds were returned and to check with the bank. I called today and spoke with a supervisor named XXXX. XXXX explained that the previous person that I spoke with should have looked at the next screen and that I should have known that I did not have overdraft. He stated that my overdraft was taken away XXXX months ago.
Consumer complaint received 2021-02-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (WA)

I have attempted, via XXXX XXXX, to receive a Validation of Debt. Midland Credit Management has NOT provided the Validation Letter in which they are trying to collect. Now they have sent me a 1099C for a debt they refused to validate.
Consumer complaint received 2017-12-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Javitch, Block & Rathbone LLC (TX)

XXXX XXXX XXXX has sued me for a XXXX XXXXXXXX XXXX credit card. I have told them that this was identity theft, and written detailed letters to them, and to the court. Since they persist, I told them of debt owed to me, in the amount of {$5000.00}, by XXXX XXXX. Address : XXXX XXXX XXXX, # XXXX, XXXX, TX XXXX Business address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. After I was sued, I asked her for repayment. She came to XXXX and assaulted me, XXXX police report # XXXX. Then, she started paying me {$200.00} a month. I ask that Javitch have her pay them instead, and drop the lawsuit. If they insist on repayment of the full credit card amount, they should sue her on my behalf due to the assault. I am XXXX, and my primary source of income is Social Security XXXX payments. Javitch will not answer my calls or emails about this matter. Very strange that debt lawyers are the ones refusing calls.
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

Actually Im just trying to get information about my current loan. I need them to send me a mortgage note that Ive been requesting daily on their website and no response. Ive been on the phone for over 3 hours today trying to get a live person. Got one finally and hung up when I asked to speak to a supervisor since their delay in providing me with my documents are causing me to not be able to get a home equity loan from another bank.
Consumer complaint received 2017-12-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MT)

I submitted an income based repayment plan recertification with my new student loan borrower XXXX XXXX. I applied for pslf and they stated that They were going to send my loans to Pennsylvania higher education because they were the ones that handle the loan. I submitted my request within the 3 month window. And they responded stating that my idr request was denied because I submitted the request too early. Now I have to resubmit the request as the time is within 2 weeks of needing to have the certification before i am taken off my idr plan. This will increase my monthly payments to an amount I am unable to pay. They also said for the correspondence I would have to wait for the document to come in the mail before I could dispute their claim. It stated on studenloan.gov that when I filled out the request it could be used for the future date when my recertification was due. It appears the company is denying my request close to the time they will be able to remove me from my income driven repayment plan.
Consumer complaint received 2019-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capstone Credit & Collection, LLC. (FL)

This debt is not mine and it still continues to show up on my credit report. I have yet to receive any information regarding this debt and never was contacted by phone either. The amount owed is also incorrect due to damages done by tenants ( not me ). There were other tenants on lease and I am not responsible for this. Also, I have called and emailed and nobody will respond as well ( I can provide proof ). This needs to be taken off of my credit report asap.
Consumer complaint received 2018-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CT)

After graduating in XX/XX/XXXX I was told by the bursar 's office that my grace period on my student loans lasted until XX/XX/XXXX. It wasn't until just recently ( XX/XX/XXXX ) that I started receiving phone calls that I was supposed to start paying my loans back in XX/XX/XXXX. I immediately paid what was owed but it had already had a drastic impact on my credit. I called them and explained the mistake and they said that there was nothing they could do.
Consumer complaint received 2019-05-08
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: TD BANK US HOLDING COMPANY (NJ)

I received information that fraudulent accounts were opened in my name. I contacted XXXX and XXXX agreed and removed this account. I have four separate bank accounts listed on this report all from TD bank. 
All TD checking accounts opened XX/XX/XXXX showing {$310.00} charged off, XX/XX/XXXX showing {$420.00} charged off, XX/XX/XXXX showing {$270.00} charged off and XX/XX/XXXX showing {$460.00} charged off. 
I disputed this with XXXX, sent police report and the copy of FTC complaint but TD refuses to not only remove it but even speak to me about it. When I call I get sent to many different departments all of which transfer me - no one knows who I should speak to. If I go to the branch they say they can not help me and to call. 
I need these removed, and an explanation as to how four accounts can be opened!!
Consumer complaint received 2021-02-09
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)

There is an account that was opened fraudulently and I have already spoken with XXXX, XXXX and Experian about certain things pertaining to the account such as the address and phone number attached to this fraud account as well as the account. I have filed a police report and should have the report this week to be able to forward this information to the company involved. Experian however is not working with me on this issue. I called them yesterday and was on the phone almost 2 hours being transferred to several different departments only to have them make things even worse. While on the phone with one of the may representatives they placed a fraud alert on my account. I did not request the fraud alert and told them to remove it that I have the ability to lock and unlock my account. The person assured me they removed it only to see they did delete it and then added it again. They put it on I DID NOT AUTHORIZE IT and now they want me sending personal information to them. I just told them I was a victim of fraud I will not submit my personal information to them for something they did without authorization. Also in the process they changed the date of my birth. WHAT IS WRONG WITH THESE PEOPLE?
Consumer complaint received 2020-04-08
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

As a result of the CARES Act, I have contacted my loan servicer, Mr. Cooper, about deferment for 3 or 6 months of my VA loan. I am unemployed and my wife 's income alone can not pay the mortgage for now until I am able to get a job. Mr. Cooper is only allowing forbearance and they are informing customers via their website that will not extend the mortgage the amount of missed payments but will seek full payment of the amount in forbearance. I also called and confirmed this with their customer service. This is not, as I understand, the spirit of the CARES act. Our credit is impeccable and have never missed a payment or been late.
Consumer complaint received 2017-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA applied payment to a 0 % promotional balance instead of an interest bearing balance. I contacted them to attempt to correct the issue and they refused citing their cardholder agreement. I cited the XXXX Credit Card Act and attempted to explain the excess payment rule, however they refused to correct the balance change. 

I did not attach statements from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as they contain PII.
Consumer complaint received 2017-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (OH)

I applied for a CITI mastercard after they bragged about offering a 21 month 0 % interest rate to roll other cards to. I have a XXXX FICO credit score that was just reported to me by a creditor, I have a card I wanted to roll to them with XXXX limit. They did not approve I called their number and it said because I filed bankruptucy, I have an old discharged bankruptucy that is not on my credit report and I have not been turned down for credit by anyone for this reason since it has been discharged for quite a few years now. The old bankruptucy was for medical bills and debts, not my home or car. I have even refinanced my mortgage without problems and leased 3 cars. I was told the bankruptucy was off my record after the discharge, which has been some years removed. I do not think this is fair if Citi Bank was able to get these records and I want to get an attorney. I applied for this card on XX/XX/XXXX and just found out XX/XX/XXXX when I called their XXXX XXXX and entered my SS #. I feel I was treated unfairly, I pay all my bills and have a XXXX FICO score and was just told that by a company this month who said I have excellent credit. I feel very frustrated and do not think CITI has the right to deny me for this old history. I do want to seek legal action against them.
Consumer complaint received 2015-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (OK)

Well I have a loan with chase bank that I have had for at least XXXX years it is 9.25 percent interest and the loan they gave me was more than the house is worth. I have made all my payments and as you no i ca n't get the loan paid down cause I 'm paying all in interest.I have tried numerous times to refinance the loan thru chase but they wo n't budge and no one else will work with me cause I owe to much on my house. Can you please help me.
Consumer complaint received 2018-06-11
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc. (GA)

Per FTC Regulations, I am officially requesting for Santander or any of its ' affiliates to contact me via phone ( especially XXXX ) at any number nor my references. Please feel free to communicate via writing per US Mail. Best regards, XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX Dear Customer, Thank you for your recent web submission. For a better assistance, Santander Consumer USA offers you two options : You can contact us at our relay number at XXXX or you can contact us through our Live Chat feature. Thank you.
Consumer complaint received 2017-12-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

Bayview Home Loans LLC is trying to collect on a purported debt. Various sevicers, lawyers, and agents for purported lender/beneficiaries XXXX XXXX XXXX, XXXX. 
No valid transactions can be documented since the original purchase loan and the purported transfers and or sales of the disputed loan that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have not verified or dealt with in good faith. While contesting the foreclosure initiated by XXXX for XXXX under the deceptive and possibly fraudulent identity of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as trustee for the benefit of the certificateholders of the alternative loan trust XXXX mortgage pass through certificate, XXXX XXXX and their lawyers from XXXX XXXX XXXX XXXX, including atty XXXX XXXX, Esq, XXXX who may have misled the court as to the claims of XXXX and XXXX in a quiet title action and the current foreclosure action and counterclaim the purported loan was again transferred to Bayview Loan Servicing LLC. XXXX XXXX, Bayview and their agents and lawyers continue to commit unfair, abusive and deceptive practices such as robosigning and probable fraud on me and the courts. On XXXX/XXXX/XXXX I received a DEBT VALIDATION LETTER from Bayview that states that XXXX and XXXX XXXX are the owner of the debt, This XXXX XXXX differs from the previous claims since XXXX referring to XXXX XXXX or similar, erroneously named trusts. On XXXX/XXXX/XXXX I sent a response to the Debt Validation letter that I dispute the debt. Neither XXXX nor XXXX have validated the purported debt since a title search prevented me from selling my property in XXXX. While neither XXXX nor XXXX have validated their claims the figure of {$250000.00} does not correspond to the purported amount of debt. On XXXX/XXXX/XXXX I sent a Qualified Written Request by certified mail to Bayview Home Loans LLC I have not recieved a response to either letter in violation of my rights by operation of law as to the validation of debt letter and the Dodd Frank Act as to the QWR. These recent violations and abuses continue a pattern of harm, fraud and denial of basic rights where the court and Judge are ignoring the facts and policy to address the harm done to homeowners and consumers. The accounting and escrow that they keep issuing forced insurance, fees, on my property. This needs to be addressed asap as they are causing me great harm and stress. Bayview Home Loans LLC has no right to my property and they need to STOP HARRASSING me with this purported debt, Thank you
Consumer complaint received 2017-12-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Diversified Recovery Services Inc. (TX)

On XXXX XXXX, 2017 Diversified Reecovery took XXXX out of my account. This is because of a conversation that I had with a representative two weeks before that wouldnt take no for an answer with arranging payment arrangements for a bill three years ago that i never receive a letter from I tried to talk to them to see if I can arrange payments lower than that but that started to argue with me. I asked to speak with the manager and he also started to argue with me to the point to the point they hung up on me. Now I 'm getting phone calls threatened me to pay or they will be consequences if I do n't get back to them at a certain time frame but I still have received a letter and I really do not want them calling me if they are going to be bullying me to pay.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (LA)

when I was moving to New York, I had to use my Suntrust/Truist checking account to pay my deposit. This was XX/XX/2021. They refused to release my money. I could not even use money orders from the account. I almost lost my apartment. I kept calling their customer service and being put on hold for hours, hung up on all while at the post office in XXXX. 
Then, after I finally got through and they released my money, I tried transferring more money into the account. I was confirmed that I had in fact deposited an additional XXXX dollars. They then hit me with XXXX dollars in overdraft fees, because when I hit 'transfer ' their system was down and the money was not in the checking account. But on my end the money showed as transferred. 
I have called repeatedly and begged with them to credit my account the XXXX dollars they stole from me, and they told me they can not help me! That's my money! That is stealing! 
I even went in person twice to a Truist bank in Florida, both times the wait times were horrific and they said it would take two hours because they were short staffed. I asked to speak the supervisor, and he was busy too. This is completely unacceptable!
Consumer complaint received 2017-12-08
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: Experian Information Solutions Inc. (CA)

This is XXXX XXXX XXXX and I am writing a complaint to Experian. Located at XXXX XXXX XXXX XXXX, TX XXXX. 

On XX/XX/XXXX I sent out a certified complaint to Experian regarding old information with incorrect dates on it and I asked them to remove it and they have refused. The item in question is old and must be removed because it is violating the FCRA law. I sent the same concern to XXXX  in Georgia, and to XXXX in Pennsylvania and they deleted the information immediately. 

XXXX XXXX XXXX XXXX XXXX # XXXX is passed the statue of limitation and is no not verifiable by any party, current or third. 

I strongly feel as though the are lying and have violated my rights in providing me with EXACTLY what descriptions and procedures were used to verify this. I called and requested the items and they had no answer for me post dispute, so I am very concerned and can not leave my financial life to a third party to verify whom has no proof of this sort of information in the first place. 

My dispute # is XXXX. They claim that the item should remain on file till XX/XX/XXXX but that is false. It should have been deleted on XX/XX/XXXX and it still remains. 
They proved me with no reason, explanation or proof and I am very concerned. What sort of investigation was this exactly? Why am I not able to find this expunged item and they are? Because it no longer exists. 

Is Experian 's system up to date? is there anyways of knowing how current their third party vendors source of resource is? I feel as though it is NOT up to date and it is verifying old items inaccurately. 

I truly want to save my self a day of losing work and going to downtown to print my accurate public information. SO please can this agency have them do a proper investigation and delete this Public Record item.It is genuinely overdue for deletion. Thank you
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (TX)

Concerned parties XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  moved out of XXXX XXXX XXXX  My lease ended XX/XX/XXXX. I paid the lease through XX/XX/XXXX as required. 

XX/XX/XXXX they sent me a moveout bill {$400.00} which included a charge that I disputed over resurfacing a bathtub that had already been in disrepair before I moved in. After exchanging emails, they agreed to drop the tub resurface charge and changed the amount due to {$200.00} XX/XX/XXXX I paid {$200.00} as requested ( attached ) and considered the issue done. 
XX/XX/XXXX I received a collections letter from IQ Data ( attached ) dated XX/XX/XXXX saying that I owed XXXX the original amount {$400.00}. 

This is becoming a nightmare that I can not get rid of. I contacted the office and exchanged emails with XXXX XXXX who wrote : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Good Afternoon, The collections account has been on hold. We have sent your ledger to show good standing, the agency will cancel the charges once reviewed. 

Please let us know if you have further questions. 
Cheers, XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/XXXX I contacted IQ-Data ( XXXX ) XXXX about my account and they said they have had no contact from XXXX ( XXXX XXXX XXXX XXXX and still show me as a deadbeat. 

I don't know who to complain about or what to do. I can not get a call back from XXXX and IQ-Data will not work with me.
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (GA)

I XXXX XXXX  XXXX, I am owner of property financed by Shellpoint Mortage servicing. I am in Bankruptcy an have court order the property can be sold, the property is under contract an was supposed to close XXXX XXXX, since then the contract has been extended 3 times due to Shellpoints unwillingness to corporate with closing attorneys an buyers financial institution This has been exhausting for everyone involved!!! closing attorney XXXX XXXX The attorney representing Shellpoint is XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX. XXXX # for loan is- XXXX shellpointmtg.com/ XXXX