davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-28
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Navient Solutions, LLC. (AZ)

Initia lly Navient force d me into default by delaying the processing of my valid renewal application for income based repayment, which I had qualified for in previous years.   Overnight, my required payment ballooned from {$120.00} to {$800.00}, which I could not afford, as I was still unemployed, having been the victim of a fraudulent scho ol (   XXXX   XXXX   ). Onc e my student loans were in default, I was no longer able to negotiate an affordable payment, nor am I able to consolidate any of my loans or lower the interest rates. As a result, I now have multiple student loans in the amount of over {$100000.00}, which is more than double the amount I originally borrowed, with interest rates ranging fr om 11 to 6 pe rcent.     Recentl y, Navient notified me a fter the fact, that they had intercepted my state tax refund, without providing any information about how to recuperate the refund while the debt is being disp uted. Navient has kept my loans broken up into at least 14 different loans, each at a different interest rate, and I have no control over which loan the intercepted tax refund will go to pay, which means that Navient can put the intercepted funds to their advantage by applying it to whichever of the loans they prefer, to extend the term and amount of my debt. Navient has also sent letters to me indicating that any failure to reply in writing within 30 days constitutes a waiver of my opportunity to contest their claims, which violates the The Fair Debt Collection Practices Act prohibition against construing the failure of a consumer to dispute the validity of a debt as an admission of liability in section 809 c.      For the past few years,  XXXX   XXXX   XXXX   XXXX  acting as a debt collection agency for Navient, has repeatedly violated my rights under The Fair Debt Collection Practices Act. I have been harassed with daily phone calls from  XXXX   XXXX   XXXX  at all hours in the early morning and late at night which is a violation of secti on 805 a. 1. I ha ve been contacted by  XXXX   XXXX  from the same phone numbers with which  XXXX   XXXX  has contacted me legitimately, where the caller refuses to identify themselves and refuses to identify their employer, which is a violation of sectio n 804, part 1. These phone calls have involved the caller illegally communicating to the unidentified person receiving the call that I owe a debt, using my name, which is a violation of section 804, part 2. These phone calls also involve disclosing the existence of my debt with third parties, including my friends and family, a violation of section 805 b. These phone calls ha ve disclosed my personal information to the unidentified recipient of calls, including my full name, my home address, the name of my bank, my date of birth, and the school I attended, which could easily lead to the theft of my identity.
Consumer complaint received 2016-02-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Our buyer was countered to XXXX. We requested a copy of the BPO and found that the comps they were using were an average of XXXX miles away up to XXXX miles away. On XX/XX/XXXX we provided market comparables supporting the offer price of $ XXXX. 

We believe this is a manufactured value. On which planet are values from XXXX to XXXX miles away used to originate a loan or make any kind of credit decision? 

We are seeing this on most SPS files right now. They are directing their valuations team to come up with inflated values. Values that are not realistic in any sense of the word. On this particular file, it looks like the BPO agent was instructed to randomly pick properties around the county that would get them a full payoff. 

Attached is SPS 's BPO and the agents response. Note that SPS 's has purposely pulled values from up to XXXX miles away to justify their counter offer.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (OK)

I have repeatedly disputed false inquiries on my credit report with Experian while sending proof that the original creditors either have no record of my inquiry or that I have received no response from the original creditor. After numerous calls and escalations Experian has failed to remove these false inquires. Please uphold them to their jobs.
Consumer complaint received 2022-02-07
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: DISCOVER BANK (GA)

I am a victim of identity theft and I did not benefits from any goods or services of this fraudulent account opened in my name without my permission. I am requesting for Discover Financial Services to remove and delete this fraudulent account from my XXXX Credit report. 

I have never had any affiliations or accounts with Discover Financial Services. I have included a copy of my police report as well as the letter from Discover Financial Services for this fraudulent account to be removed and deleted from my Credit file. Why Does XXXX still have this fraudulent account on my Credit report when Discover Financial Services instructed them to remove it? I am requesting for Discover Financial Services to send another request to XXXX for this fraudulent account to be removed and deleted immediately. 

I talked to a Fraud SpecialisXXXX at XXXX who advise me to send a letter to Discover to remove and delete this account. 

Please remove and delete this fraudulent account immediately from my XXXX credit report : XXXX. Account name DISCOVER FINANCIAL SERVICES Account number : # XXXX Date opened : XX/XX/2019 Balance : {$8600.00}
Consumer complaint received 2019-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I made a final payment to Capital One to finish paying off my account. I contacted customer service in an attempt to see if it was possible ( since Ive never been late or missed a payment ) to waive the interest to be at {$0.00}. They denied my request and refused to provide assistance. After being transferred to a supervisor, she explained she cant do anything either and starts offering me other things. I asked for another # to call, HR or a manager, she declined and said thats it. Capital One needs to have somewhere where their customers can express their grievances ; not just a level 2 customer service representative.
Consumer complaint received 2016-05-03
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XXXX, debt collector, obtained mortgage after default, sold my property on XXXX XXXX, and denied my loan modification XXXX XXXX, both 2015 in the name of the trustee who could not receive transfer of the mortgage due to default of said mortgage, XXXX filed foreclosure complaint without any default judgment or judicial process.
Consumer complaint received 2017-02-16
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX, VA XXXX, Reports All XXXX credit reporting companies false starting dates for debt REAGING XXXX XXXX XXXX, requested that they not contact me until the issue was resolved still calls
Consumer complaint received 2015-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Mortgage transferred to another servicing company ( SLS ), and have been having issues sending payments via bank check through bill pay how I generally paid mortgage without issues. Since SLS took over mortgage, I have yet to receive a statement over 60 days ; which should provide info I need to sent up bank bill pay. I have managed to send payment still through their XXXX XXXX method, but charges a fee ; which I find unnecessary. The only contact info I have and use to contact SLS was provided by previous servicing company.
Consumer complaint received 2023-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Recovery Services, Inc. (WA)

To Whom It May Concern, I received a notice from Financial Recovery Services , Inc. ( FRS ) maybe a month ago about a debt from a XXXX card I had not used in a long time. I had previously stopped using this card and aggressively paid the debt off. I do not think I've purchased anything on the card in years. The debt was paid and I pretty much put the card out of my mind. I called the collector and explained this but they said I owed {$6300.00} on the card. I attempted to log into my XXXX XXXX app but could not. I couldn't log in online either, I called XXXX and was told in so many words that the account had been closed and sent to collections and they couldn't do anything with the account anymore. I asked what the charges had been for but they couldn't tell me. They told me that I would have to make a request through the collection agency. So I had FRS request copies of the statements from XXXX who then mailed them to me and I received them this week. The statements start with a XX/XX/XXXX - XX/XX/XXXX period and is filled with charges made all in Ohio. The charges range from restaurants in XXXX to gas stations to movie theatres. I live in Washington State and haven't spent any time in Ohio. This continues to the end of a period that ends on XX/XX/XXXX. Then there are some more statements where late fees are applied and interest but I don't see anymore charges. It seems like this fraud predates these statements though since the first statement has a previous balance of {$1900.00}. I requested earlier statements from FRS yesterday ( XX/XX/XXXX ) but was told that whatever was sent to me was more than they had and it wouldn't be possible to get more. I was told I had to file a police report on the identity theft and add that to my dispute claim with them. When I contacted my local police here they got back to me and said that I should file a claim with the FBI since it happened out of WA state the likelihood of them catching anyone was XXXX. The FBI site then redirected me here. Please let me know of anything else I can do to help resolve this matter. Thank you for your time and help.
Consumer complaint received 2022-02-07
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. (NY)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2024-04-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CA)

I've disputed the item multiple times through the consumer reporting agencies and the debt collector. No one has provided an organic contract between me and the debt collector. According to the original company they don't have any records of me owning a balance. Please explain how the original company has no record, but the debt collector does. This item has injured my estate. The item is preventing me from obtaining housing.
Consumer complaint received 2022-02-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (OH)

I have been in a COVID-related unemployment forbearance since summer 2020. I am returning to work and would like to reinstate my mortgage. I have requested my reinstatement options in writing and US Bank refuses to send them. They claim they can not send a written copy, and they want to describe the available options verbally so I can make a decision over the phone. I have an auditory processing disorder. They suggested that I get a trusted adult to help me conduct this financial business. 

My call has been disconnected twice ; representatives have refused to escalate the call ; there is no accessibility hotline on their website. They also can not tell me whether accepting the reinstatement offer would affect my OHFA down payment assistance. I would really like to have this information in writing so I can consult my OHFA rep, but US Bank refuses to provide it. 

When I asked the bank to reconnect my mortgage to my online banking account so I could see the options online, they accidentally locked me out of online banking for the week between XXXX and XXXX XXXX 's.
Consumer complaint received 2016-04-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

They call and ask me all kinds of personal information. When I ask what it is about they say they wo n't tell me until I verify personal information. I wo n't do it. They wo n't stop calling.
Consumer complaint received 2023-03-16
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. (AZ)

I disputed the ownership of an account with Experian XX/XX/2023. They said it was verified as accurate but when I asked for the original paper work to prove it. They have provided me with nothing. I have also disputed the account in the past 2 other times and still no paperwork.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

Equifax lowered my FICO score and they won't tell me why they lowered it and won't put it back to XXXX. I have done nothing wrong and nothing has changed in my credit history to require a lower score.
Consumer complaint received 2023-03-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings (OK)

This company continuously called me on my job several days a week trying to collect debt. When I finally paid the requested amount I realized I overpaid and now they are giving me the run around to get a refund for the overpayment. The reps are very rude and can care less to help.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (NE)

In XXXX 2021, I was refinancing with XXXX XXXX XXXX XXXX ], & they were trying to rush things along in order to meet their monthly 'quota, ' so several weeks before the scheduled closing, I started asking questions to ensure I was receiving the best refi option for me, which is my right. However, XXXX/my mortgage XXXX [ MO ] didn't like this, so they followed up with various delay tactics. During the refi process, the MO had told me that there would be no payment due for the closing month, as the loan would close before the end of the month, but it didnt [ close ], even though I was approved and had all of my paperwork and requirements submitted. The XXXX to last day of the month, I received a call from the XXXX MO who told me that half of my payment was still due for that month and it had to be paid in order to close the loan on the refi [ also, throughout the refi process, I had lost all online access to my CURRENT mort, I only had access to the NEW refi loan #, & could not make/change payments to my account ; the MO knew this, as I had reported it to him NUMEROUS times, but he did nothing ]. After the call, I immediately made a telephone payment, because I couldnt access my account online, completely unaware that at the same time XXXX was trying to debit my checking account, and had done so MULTIPLE times, for the same payment ; it was the perfect storm. Needless to say, my bank declined each transaction because I didnt have $ XXXX funds available in my account [ heck, who does ]. Upon realizing this [ and remember, its the end of the month ] it was too late to do anything, XXXX considered the payment late, reported it to the credit bureaus, & my credit standing has been completely DESTROYED ever since! I've tried to work with XXXX on a resolution, I've called and spoken to multiple employees, but its been no use, they claim its 'against the law ' to reverse a late payment, even though XXXX incompetency & shady practices perpetuated this debacle. And to make matters worse, because of the late, XXXX will not refi a loan with me for XXXX year.. I even filed a dispute witXXXX XXXX, but they refused to accept responsibility & found no fault in themselves. I've tried to get another loan with other companies, but either the interest rate is 20 % + or they decline me because of the late report and my low credit score. Some of my credit cards have even closed my accounts because of this, which lowers my score even more. This has been financially devastating, and my hands are tied, I cant move forward in any direction because of this, I'm entirely unable to improve my financial situation, I'm stuck, and I just want this reversed so I can move on!
Consumer complaint received 2015-03-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XXXX XXXX, 2015, I had made a deposit of {$55.00} at the Capital One Bank in XXXX, Md to my credit card ending in XXXX. When I returned home to check my account, my online account was restricted. I had called Capital One and they requested for me to go to the branch Capital One bank to verify my identity. I went to the bank XXXX mins after the call and done what was requested. Prior before leaving I was told that my account will be back up and running and to not worry about anything. I have repeatedly call for XXXX weeks asking what has happened to my account for them to close it. I have talked to the Capital One Fraud Supervisor who could not tell me why they close my account. They have sent me no notice of intent to close, fraud or anything of that nature. Nobody can give me an answer of why my account is restricted. It is fishy to me that my account went closed after I made a cash deposit in the bank. I am applying for mortgage next month and due to my account being restricted or closed, I can not pay down my balance to lower my utilization rate. The Fraud Supervisor told me I could still make payments but when I went to pay down on it the branch tellers told me I could n't because the account was closed due to Fraud. I am worried about my credit score and can not get any answers from no Supervisors of Capital One. All they keep saying is my account is under investigation for Fraud but they have found no Fraud on my end. So I keep asking why do my credit score has to suffer because of something they are messing up on. They can not give me a clear answer.
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

I had collections that I paid with this debt collector. They then said that I was responsible for my husbands accounts with them. I told them no because they were not mine. They reported to the credit bureau that they were mine and that I had created the debts. I called the credit bureau/equifax and asked and they said absolutely not, they ca n't do that. I disputed the debt twice and the agency is still reporting that the debt is mine. The accounts # and dates for this is the same as the collections on my husbands. They were not joint accounts and we both do n't go to the emergency room on the same dates. The credit reporting agency still keeps saying I have to pay it and keeps reporting this as bad credit. Equifax did not do enough to prove that this was not my debt and it was done maliciously.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

attempted to chat with transunion about my credit score drastically different that XXXX, XXXX XXXX they allowed less than 60 sec for me to reply. they ended my chat before allowing me to ask questions Dispute Temporarily Unavailable. 
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SUBMIT Chat started at XXXXXXXX XXXX We care about your privacy. Please do not include SSN, account numbers or any other personal information, or submit disputes or complaints about your credit report. 
Hi XXXX, thank you for contacting Transunion. My name is XXXX. How can I assist you today? 
Transunion Support i recently applied for a medical loan through my doctors office and it was denied .. my credit score XXXXXXXX XXXX transunnion report showed a different crediti score than XXXX and XXXX XXXX XXXX I do apologize about any inconvenience and I appreciate your time contacting us today, I'll be more than happy to help you with your score XXXX PM It is important to know that there are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore model and may not be the credit score model used by your lender. 
Transunion Support credit report said my credit score was 500 something .. XXXX  shows XXXX XXXX XXXX PM Have you already tried to get a copy of your report or purchase your score with us? 
Transunion Support i hav a copy in my hands As a reminder you can get your report by visiting Transunion.com at any time and you can get your report each 7 days due to covid-19 until XX/XX/2022 through XXXX You can also purchase your score by {$0.00} by visiting those websites Transunion Support XXXXXXXX XXXX you cant purchase your score from transunion for XXXX cents .. the only options charge XXXX recurring monthly .. regardless that is not my reason for chatting XXXX XXXX Understood XXXXXXXX XXXX In this case based on what I mentioned before you will find different scores from us, XXXX XXXX or your bank because we do not share information or same credit score model each other Transunion Support XXXXXXXX XXXX Chat ended due to timeout