davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (PA)

I h ad 2 o riginal loans totaling {$43000.00}. I have paid {$55000.00} to date and my current balance for these loans is {$50000.00}. I know that there is interest associated with any loan, but I believe something is not right here. At my current repayment rate of {$460.00} per month, these loans will be paid off in  XXXX  of  XXXX , which is in 15 years. If my current repayment rate continues, I will have paid an additional  XXXX  for a total of {$130000.00}, or over 3 times the amount of my original loans. In addition, I will be  XXXX   XXXX   XXXX  at that point and finally paying off my student loans!
Consumer complaint received 2022-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021. Transunion, XXXX, and XXXX failed to produce an investigative report on XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Consumer complaint received 2018-03-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

After checking my credit report on XX/XX/2018, I noticed that there was an open collection wilth XXXX XXXX. This account was originally with XXXX  XXXX XXXX which I was a victim of Identity theft and it was removed from my credit report. I have not had any communication with this company and there has not been any communication notices made to me from this company to notify me that they were attempting to collect money from me. They have violated my consumer rights under the Fair Credit Reporting Act. Withholding Notices You are entitled to notices concerning the reporting, handling and use of your credit information. Notice violations under FCRA might occur when : a creditor fails to notify you when it supplies negative credit information to a CRA a creditor fails to notify you of your right to dispute inaccurate credit information or the validity of the debt. This account was disputed with XXXX XXXX XXXX and as soon as it was deleted from my credit report, XXXX XXXX purchased this debt, did not notify me in writing but simply placed this account on my credit without notification. I would like to file a complaint to have this incorrect reporting deleted from my credit report and have this company blocked from future reporting of this account. XXXX XXXX has performed unethical business practices.
Consumer complaint received 2017-04-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

My student loans are managed b y Navient. A year or two ago, I spoke with customer service representatives and I was informed that I would receive at least 30 days notice from Navient should the interest rates on my student loans change. I did not receive any notification, not an email, a letter or any flag on my account when I checked my account online. One loan changed from 5 % to 6.875 %. I believe this is not a transparent way to conduct business. It feels as though Navient hopes consumers would not  notice because the student loan balance is so high. I expect some type of notification whenever my account is changing.
Consumer complaint received 2019-02-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Law Office of Harris & Zide (CA)

Harris and Zide should have their law license revoked!!! first of all I was  never served I wsas not aware of this judgment from XX/XX/XXXX when I started getting called and letters from them threatening to garnish my XXXX wages calling threatening to arrest me ... I later found out that they left papers with my neighbors kid how is it a good service? .. I called XXXX  XXXX XXXX willing to settle this past due account who agreed to accept XXXX but to pay harris and zide. when I called harris and zide and spoke with with XXXX XXXX he laughed at my " XXXX '' accent and said this is XXXX   and he will not accept less than XXXX I even put XXXX XXXX XXXX on the line to conference but he hang up ... then I called to ask to speak with someone XXXX  speaking was connected to XXXX XXXX who was worse - he ask about my income and asked to send in my XXXX checks so he can garnish my income .... isn't this illegal to go ... i'm trying to do the right thing but seem like i'm being taking advantage of. I have on hand a letter from XXXX XXXX XXXX stating I owe then XXXX but harris and zide said it is now XXXX isn't this a usuary? ... against ca interest rate laws ... i'm very confused, threatened, harassed and insulted at this point. I was never treated this way as a vet and disadvantaged citizen this is outrageous. I'm going to the district attorney 's office next to see if they will help. I want to resolve this 9 year old debt but don't wish to work with harriz and zide, I wish to settle this with the original creditor XXXX  XXXX XXXX and get satisfaction of this judgement once and for all and stop all harassment calls from harris and zide. please help, I was also given contact for ftc and cal bar to file my complaints with. I have nothing but time and will see justice and release
Consumer complaint received 2018-03-21
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc. (NJ)

ON XX/XX/XXXX I received a letter from the collection company saying i owe on a loan from XX/XX/XXXX in the amount of {$34000.00} this loan does not belong to me, I never cosign for this loan I spoke to my daughter she said she never took out this loan. 

On XX/XX/XXXX i sent a dept validation letter to the collection company requesting information on the loan. 
the collection company sent me back incomplete information on the loan they sent a application promissory note. 
once i received this information from the collection company. I call the collection company on Friday XX/XX/XXXX trying to explain to the company that this was not my loan i never cosign for this loan. the lady i spoke to was very nasty to me on the phone and told me to file charges against my daughter for signing my name to the loan. 
i try to tell her my daughter know nothing about loan. but the lady was just nasty on the phone and hung up on me. 

on Monday XX/XX/XXXX i receive a call from the collection company after i told them in writing to only contact me through mail or email. 
i told the guy from the collection company to follow my request he ignore me and kept talking i told him im at work and to only contact me through mail or email he said no he and kept talking i told him its not my loan and stop calling me so i hung up on him. 

in my dept validation letter i told the collection company to remove the remarks they put on my credit report. which to this date they have me in collections for {$34000.00} dollars and have not remove the collection off my report.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (MD)

Contacted XXXX  in XX/XX/XXXX to inquire as to why Car Max Auto Finance was reporting my account as late, when I have documentation from Car Max Auto Finance that my car was paid off in XX/XX/XXXX.  Now, report from XXXX  shows account as " charged off '' as of XX/XX/XXXX. How can you " charge off '' an account 120 days after you sent correspondence to your customer that the account was paid in full. Account show paid in full with XXXX balance on XXXX  and XXXX.
Consumer complaint received 2015-05-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (VT)

I visited the XXXX XXXX, VT Peoples branch to update my information and remove the custodian on a securities account along with the custodian of the account and all necessary paperwork. Both the teller and XXXX XXXX, the woman who updated the account, said the custodian 's authorization to make the changes and remove the custodian was not needed and that the account had been updated. 

The following day, I received a phone call from XXXX XXXX to visit the branch again as there had been a problem with the paperwork and the custodian 's authorization was needed. During a phone conversation with XXXX XXXX XXXX ' customer service, XXXX XXXX, the customer service representative, informed me that XXXX XXXX was not listed in the securities employee database. 

In a follow-up phone call from XXXX XXXX, she accused me of suspicious activity by changing my name, address, and removing the custodian in XXXX visit and pushed for a reason as to why it would be so difficult for the custodian to authorize the change.
Consumer complaint received 2022-09-07
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. (LA)

In accordance with the Fair Credit act XXXX XXXX XXXX Reference ID # XXXX, has violated my rights. 

XXXX XXXX XXXX Reference Number XXXX XXXX XXXX XXXX Reference Number XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.C.S 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Stellantis Financial Services US Corp. (MS)

We brought a XXXX XXXX XXXX on XX/XX/XXXX we had the truck 3 days and started having engine problems and it Started derating and only going XXXX miles a hour. So we shut the truck down for 3 days cause they were closed until we could bring it back to them. They keep it Two days and told us they needed the truck to show a code so they would know what to fix. This Model of XXXX XXXX stores all the codes for the life of the vehicle in it everytime it has one, so the codes are always present. The Mechanic. XXXX XXXX XXXX XXXX Told us he don't see any codes in it and need it to show him what codes to fix. So we came back and took it to a Master mechanic in Florida and retrieved the codes for the life of the vehicle because it keeps every code everytime the check engine light comes on so we took pictures of the codes and took it back to the dealership it's 45 days later they still have the truck it's not fixed but the want us to take it we paid for and extended warranty to make sure we would have no issues with repair and being told by the mechanic XXXX XXXX XXXX XXXX XXXX that he would only fix one thing instead of honoring the extended warranty and fixing the truck they was pose to order the pieces and they where pose to be in by XX/XX/XXXX we where told yesterday XX/XX/XXXX that the wrong pieces where ordered and the truck was still not fixed but service tried to give it to use telling us it was fixed we refused to take it we are now being told it has to wait for the right part again and the be sent to XXXX to be fixed again over there leaving us with out a truck but still needing payment we are asking to trade in the non working truck for one that works. Or Cancel this Contract altogether. The vehicle has All the issue of A lemon and fall under the lemon law for Mississippi. It has. Multiple issues. We really need your assistance.
Consumer complaint received 2017-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MA)

I received a response in regard to complaint ID # XXXX, thank you. However, I noticed it claims I currently have a balance. The account was closed, please refer to attached and forward. Thank you ... When will this nightmare finally end???
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (NH)

My mortgage was transferred to Shellpoint mortgage services back in  XXXX . My property taxes were supposed to be paid in  XXXX  but never did. I then received a letter from my city that taxes were n't paid and I had till  XXXX   XXXX  to pay them or I would have a tax lien placed. I immediately called Shellpoint mortgage in  XXXX  when this letter came and they said yes the taxes will be paid. I called city on  XXXX   XXXX ,   XXXX   taxes still had not been paid. I called Shellpoint again and they said they will escalate and to call back in a week. I waited and called the city on  XXXX   XXXX ,   XXXX   taxes still not paid. Called Shellpoint and they stated a check was mailed out  XXXX   XXXX ,   XXXX  . Waited a week and called City still nothing. Called mortgage company again all I get is check was mailed on  XXXX   XXXX . Called City on  XXXX   XXXX  taxes still not paid and as of  XXXX  Tax lien will be placed. Called Shellpoint again very upset and they finally got in touch with tax department in their company and states " Check is being overnighted as of today. '' So  Shellpoint lied about a tax payment being sent and now the City will do nothing to stop the lien from being placed. I feel this is very unbusiness like and now  I will have a tax lien placed on my credit.
Consumer complaint received 2022-09-07
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. (IN)

I am a lawful consumer and my information and report was misused and I have false not 100 % accurate accounts and info on my credit report. 

I asked them to do a verification of everything on my credit report and they did and sent a generic response saying it was accurate. I did research myself and found inaccuracies on my report even after they said they did a full research. 

According to FCRA all have 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 says consumer reporting agency can not furnish an account without my instructions and consent. I was not given the opportunity for my information to not be shared and am now demanding that these items be removed including the following items : XXXX  XXXX XXXX XXXX  XXXX XXXX USDA XXXX USDA XXXX USDA XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (IN)

On XX/XX/2022, I opened a Truist checking account. The account number is XXXX. 

On XX/XX/2022, Truist sent me a mail saying that all of my accounts have been closed for fraud prevention. I received the mail only on XX/XX/2022 when my paycheck had been scheduled to deposit into my account. 

I don't have any fraudulent activity in any of my accounts. Moreover, because they close my account, I can not withdrawl the money {$550.00} in my account. And They refused to mail me a check.
Consumer complaint received 2018-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BBVA FINANCIAL CORPORATION (TX)

I was contacted by XXXX XXXX, a debt collection agency on XX/XX/XXXX advising that they were attempting to collect a debt of over {$7000.00} on behalf of BBVA Compass, used on a credit card issued in my name for a business I formerly owned. I informed them I had no knowledge of any such debt as I had never requested or received a credit card for this business. They indicated the card had been sent to an address that I have never lived at in a city I have never lived in. Furthermore, any accounts associated with the business were closed by me in XXXX, I requested validation of this date. On XX/XX/XXXX, I sent a certified letter again disavowing any knowledge of this debt and asking for verification, to date it has never been received or acknowledged. I contacted the originator of this debt in person at a branch in XXXX TX on XX/XX/XXXX, I spoke with XXXX XXXX who advised he would contact the fraud department and have documentation sent to my address, this never happened. I contacted BBVA Compass by phone on XX/XX/XXXX and spoke with XXXX XXXX, the manager for the XXXX branch, who advised he had submitted the complaint to the fraud department and they would contact me within 3 business days, I have not heard from anyone. On the same date I spoke with a representative over the phone named XXXX, who advised she was unable to assist because the system would not allow her to do anything. I sent a certified letter to BBVA Compass on XX/XX/XXXX, disavowing any knowledge of the debt and requesting validation, to date I have not received anything. I have notified all 3 credit bureaus of this theft identity, and made completed a identity theft report with the FTC. To date there has been nothing reported on my credit, however, on XX/XX/XXXX I was contacted by a second collection agency.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (OK)

I had a {$5000.00} limit on my credit card on XX/XX/XXXX with out notice they brogth it down to {$2000.00} XXXX call spoke with XXXX difrent people, ask as to why my limit was decrese they could not tell me they keep saying i was getiting a letter as of today XX/XX/XXXX i havent recived a letter. fyi I have XXXX ot more cards and none of them lower my limit only sams credit card. kkep in mind i have never been late or going over the limit.
Consumer complaint received 2022-03-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (MT)

Mr. Copper Mortgage underwriting practice caused me a financial hardship and damage to my quality of life. My FHA mortgage protection insurance included death of spouse, my husband passed away of XX/XX/2020. 
I'm XXXX  and have a XXXX, I tried numerous to contact Mr. Cooper regarding without acknowledgment
Consumer complaint received 2018-03-21
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. (WI)

I submitted a request from XXXX XXXX XXXX for debt validation and the company was unable to furnish evidence that the balance or the account itself was a valid entry.
Consumer complaint received 2019-02-28
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. (CA)

I sent 3 letters so 1 letter for each bureaus XXXX XXXX and transunion in the letter I sent it states that I want proof that the debt supposedly I owe is mine so I'm asking a signed contract with my name on it i want proof if they dont provide the proof witch they are suppose to have then they have to delete it right? I sent my letters back in XX/XX/2018 and havent heard any response or updates to my credit report.
Consumer complaint received 2017-07-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OR)

My ex-wife was awarded the home in a divorce. She was ordered to sell the home or refinance it and remove my name from the mortgage with in 4 years. She did not do so. She is behind on the mortgage several months. in XXXX of 2017 she entered into an agreement with the bank that she would make 6 months of payments on time. I got control of the house in XXXX 2017 through the contempt order from the court. I have tried to remedy this situation by getting a real estate agency as well as finding an investor for this property. I am not in financial position to be able to carry this loan and am willing to work with the lender to settle this issue with a short sale. The problem that I am having is that Select Portfolio Servicing INC. is the mortgage servicer on the referenced account. I have submitted my proposal for a short sale to Select Portfolio Servicing INC and was told that the investor would not accept a short sale due to the fact that My Ex-wife was in default of her agreement with them. I have spoken to Select Portfolio Servicing INC and requested to speak to the investor and explain my unique situation. They refuse to give me information on the investor and tell me that they do not have that information. My question to them is if you do not have the information then how can you tell me that they will not accept a short sale. I requested information on who they spoke to as well as a phone number and an address of the investor for this account.Select Portfolio Servicing INC will not give me this information so that I can settle this issue with the bank. I feel that this is bad business practice and that they are interfering in a good faith attempt to settle a debt that my Ex-Wife failed to do. I am doing all I can to take care of this and have spent a lot of money in legal fees just to get to this point. Select Portfolio Servicing INC has many complaint filed against them and they need to be looked into!
Consumer complaint received 2022-08-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have contacted all bureaus asking for validation on the accounts listed in the document provided below. I contacted the bureaus on XX/XX/2022. The bureaus have yet to provide me with any documentation, and it is over the 30 day mark. The incorrect information is rapidly lowering my credit score. Please help me fix this problem!
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX is reporting a debt on my credit file that I do not owe. This debt has been paid a long time now. They are affecting my credit by violating the FCRA ACT LAW by reporting incorrect information. This debt needs to be removed.