davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CT)

This is the 2nd complaint I submitted on your website against Navient. There are so many different entities that call me and so easy to lose track or even know who to talk to or trust. I call Navient and get sent to Student Loans then to FSA back to Navient, so frustrating. Today I receive a call from someone claiming to be with FSA-Center by the name of XXXX XXXX @ XXXX. He stated he was with FSA but by the end of the call it did not appear that was true. After he asked me to verify info on my loan such as address and name somehow he had an email sent to me with FSA ID # once I gave to him I received another email saying my ID was changed and I did not request that. He tells me Navient is being sued for doing unethical things to consumers. One of the links he forwarded me said Navient deceived student borrowes about requirement to release loan advising student they could made a certain number of consecutive payments ( 3 ) on time they entire loan would be forgiven. By the end of the call this is exactly what he said he was offering. I am afraid this person is a fraud and not sure what to do but he has all my Navient info somehow. The email that came through for him is XXXX. I was already against paying my loan because I feel I was mislead and now I deferred so much because that is what they recommended and I am in such a whole for schooling that was so unethical where they gave students the answers to the test so they could pass. I am so upset and want to know how to join the lawsuit " CFPB Sues Nation 's Largest Student Loan Company Navient for Failing Borrowers at Every Stage of Repayment '' if I qualify. My maiden name is XXXX last four of my social is XXXX.
Consumer complaint received 2024-02-28
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX Last reported XX/XX/XXXX {$3900.00} Open balance XXXX XXXX  Original creditor Opened XX/XX/XXXX ( XXXX mos ) Account status Open This was on my credit report 4 years ago. But with a different collection agency. This company is reporting this as a brand new account. Opened XXXX. The statute of limitations are up on this account. The last collection agency couldnt prove this account belongs to me and it was deleted years ago. Now the account has been sold to a new collection agency and the have failed to prove me with a debt validation letter. This must be removed immediately. They can not prove this belongs to me. This is not my account
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I opened a credit card with XXXX  XXXX XXXX  on XX/XX/2019 with a {$300.00} credit limit, I closed the account 4 months later on XX/XX/2019 I have proof I closed this account from XXXX  XXXX XXXX. For a year and a half they have charged late fees and other fraudulent charges to this account totaling XXXX $ and it has now popped up as a derogatory mark on my credit from midland credit XXXX. I have never received a letter or phone call from XXXX  XXXX stating I owe money other than the account was finalized on closing. I have contacted midland credit XXXX  and they have cussed me out telling me lets make this easy on you, you owe us XXXX money I have sent proof over to XXXX XXXX XXXX  XXXX  XXXX  including midland and can not get this disputed due to midland stating all is accurate and disregarding the proof I have sent over. This has now impacted my credit score and any other credit cards/loans I may need in the future. I have followed all the steps and am now at a loss on what to do. Midland will not help and when I call XXXX XXXX  they say if another creditor is on the case they have nothing they can do. I closed the account in good standing.
Consumer complaint received 2017-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is reporting false information to my credit file. A collection agency : XXXX XXXX XXXX agreed in writing on this data base to remove all Collections from my credit reports and they have done so except for Transunion. When I asked them about it they said to contact Transunion but I have and have gotten nowhere. I want this Collection removed XXXX. Also I am a victim of the XXXX breach and wanted to extend my freeze and you denied me.
Consumer complaint received 2016-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (VA)

You are showing my account with XXXX in collections this is not the case the house has been sold. 

See sale docs and the letter from XXXX that satisfied the loan in it 's entirely. PER YOUR LETTER!!! 

I am failing a complaint with the CFBP because I have asked that this be corrected more than ten times and I have been ignored. 

The loan should be displayed as paid as agreed per contract and the release send to me per your letter!!!!!!! 
Equifax has not deleted my bankruptcy per the court Oder per the settlement for the state of VA and Equifax. They have ignored my letters. 


Consent to publish the description of what happened? Consent provided
Consumer complaint received 2021-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My Bank of America closed account Attention : XXXX XXXX Bank of America General Global Counsel. 
XXXX This horrible bank will not take my calls, ignores my request and when I log in states of you having problems making payments we are here for you and the statements which are complete banking violations and false! This is the one of many complaints Ive made. I was threatened if I went into a bank I would be arrested! I am not allowed to call Bank of America and no one will take my calls. Do I XXXX to go to an Attorney who took Bank of America to court or arbitration and take my case Pro bono. This is illegal to threaten me and not assist! This account t was closed by BOA and still charging me excessive fees and interest and asked to have zero interest and make smaller payments. I paid and kept the payments on time and have the nerve to charge {$36.00} late fee for one day late. Have another persons bank account on my profile. I reported as fraud to the State Attorney General and OCC since its a broker account that is not mine! I have asked so many time with proof in emails and ignored. I am dealing with incompetence and they simply keep closing out my complaints stating duplicate. This and my other complaints will go to an Attorney after this and this behavior and banking violations will not be tolerated. I am not an animal and will not be treated as such as this seems to be a personal vendetta against me. If you want to take this to legal please have XXXX XXXX reach out to me to proceed. If you think you can ignore and I am going away. I am not and will go every high official because I have done nothing wrong XXXX The worst kind of people at BOA and tired of being threatened! Not to contact your bank. Will not speak to me on the phone for assistance Law suit! For damages and mental stress, intimidation along with violating my rights a day banking laws. I have an unpaid balance which I am trying to pay properly and asking for assistance and stop violating my rights! When I called in prior my account was blocked and the games customer service played. All my calls were recorded with many emails to show my complaints. Horrible bank and very abusive.
Consumer complaint received 2018-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX Bank of America - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX My XXXX, XXXX, sent me a paper check in the mail. I attempted to deposit the funds via the mobile app. After I pushed submit, I noticed that my funds will not be available until XX/XX/XXXX ( today isXX/XX/XXXX ). I called BOA ask why there is a hold of 8 days. I told them that : It is not over 5K ( the check is for 2.2K ) My account has been open for over 30 days I have not bounced any checks The employer is XXXX banking through XXXX XXXX They stated that it will take 8 days. Maybe 200 - 300 will be available in a couple days, but the funds will be in my account onXX/XX/XXXX. I explained the urgency for the funds ( mortgage, medicine for my kids, food ) and while that may not expedite the process, I need to cancel the hold and cash the check so I can take care of my family. They refused to stop processing the check stating it will take 8 days. I asked for a supervisor. They stated the same thing. The refused to stop processing the check or expedite it. 

A few minutes later I tried to cancel my account in which they refused to do so. I reviewed the documentation on the federal reserves website and it seems that 8 days is well over the limit for a hold. 

I will call BOA to state I submitted this complaint. I know these compliant could take 15 days, but any help would be appreciated. My children need the basics and I can't provide that without the proper funds.
Consumer complaint received 2017-10-02
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. (IN)

On XX/XX/XXXX I received an alert that on my Equifax report that stated I had a collection added to my report from a company by the name of XXXX XXXX XXXX for XXXX I have never heard of this company, so I researched them and found they had pages and pages of fraudulent claims against them for this sort of thing. 
I was struck by a XXXX driver in XX/XX/XXXX and nearly killed and I have been fighting ever since then with this woman 's ins. I finally reached a very very nice settlement and I have made aware that so called companies like the named above will try to make fraudulent claims thinking I will pay. I WILL NOT!! 
I want Equifax to remove this immediately. 

XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX Regards, XXXX XXXX
Consumer complaint received 2020-03-22
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. (FL)

XXXX XXXX  is reporting late payment into my credit reports falsely, we have made an arrangements to have the account paid into this promotion for XX/XX/2020 for {$220.00} XX/XX/2020 and XX/XX/2020. each month as special deal. but the corporation fail to update that into the system reflecting my account late and with overdue payment as default on their system. 

I have made payments as arranged, XXXX Paid, as well XXXX, XXXX payment coming soon, I see all-ready late fees applied to the account for all this month and as well reported late on the credit reports.
Consumer complaint received 2022-03-31
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

Due to my wife 's illness we paused our mortgaged payments from XX/XX/XXXX to XX/XX/XXXX under COVID relief. We were told in pausing our mortgage that we would not incur any interest or penalties in doing so. We were so thankful for this blessing as my wife was ill for over a year, and I transitioned from XXXX XXXX XXXX of 30 years with XXXX XXXX XXXX XXXXXXXX in XX/XX/XXXX. 

Once we were financially stable enough to continue our payments we contacted Freedom Mortgage and were told that it would be no problem at all. We would just need to make XXXX payments on time, and then we would be able to skip a payment and then our loan would be modified without any extra charges. Meaning that the late payments would just be rolled back into the loan and the loan would become another 30 year loan without any other changes and it would not be considered a new loan. 

This is not what happened. When we paused making mortgage payments we owed XXXX when we signed the new loan modification papers we signed a loan for XXXX. We were charged XXXX for modifying this loan and no one from Freedom Mortgage can tell me what this charge is for. They just say you signed the paperwork so that this is what it now is. 

No one went over the papers we signed. We went by what we were told and were unaware that we would be receiving any charges. I asked several times if we would be charged and were told no. I asked if there were be a va funding fee and I was told no. I am XXXX XXXX XXXX XXXXXXXX from his 30 years of military service and from all of the medical conditions that were a direct result of my service we are now exempt from a VA funding fee. I was told that there is no reason given that the mortgage amount was increased. 

We signed those papers in good faith that what we were told by Freedom mortgage that due to COVID relief that there would be no interest or penalities accrued during this time. No one from Freedom Mortgage can tell me why we gained an additional XXXX onto our mortgage, but because we signed the papers that no one reviewed with us that is what it is. 

We need this XXXX, XXXX removed from our mortgage principal as a verbal promise was made that we would have no penalities or interest accrued while our mortgage was paused. This also was not discussed with us when we signed the new mortgage papers. No one reviewed the paperwork with us we were just told to initial and sign to get back on track after our XXXX consecutive payment was made. 

This is a travesty and is unjust that we are being penalized and additional charges were added, but no one at Freedom Mortgage can tell me why these charges were added, what they are for or anything else. 

Please help to resolve this immediately.
Consumer complaint received 2021-09-10
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dobberstein Law Firm, LLC (WI)

I moved from my residence back in XX/XX/2020, I had no knowledge of the debt because it was not on my credit report. I checked my records because I tried to purchase A home and there was information on Wisconsin 's circuit court access that I was not aware of. I was already paying XXXX XXXX XXXX monthly and did not get notified of another debt. I would have taken care of it as I did the other one but now this is on my records and I would like it removed. I talked to the attorney Dobberstein Law firms at XXXX because they refused to talk to me about this. This is unfair they did not attempt to contact me any other way although my email never changed and my new phone number is listed on the internet.
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (OK)

I was contacted by XXXX 's collection company " CREDIT MANAGEMENT LP '' in XXXX about this supposed debt " on my name ''. I've never been a XXXX client. I informed them there was no possible way the debt was mine, but they insisted it was my account ( it's not ). They've somehow provided my full social security number, but incorrect date of birth, when I asked to verify the account info. I informed them again that the debt was not mine, I have never been a XXXX client, and that the debt was from someone else. I've had a similar situation before where they tried to collect my father 's debt, who has the same name as mine, from me. The situation was escalated all the way to XXXX, who eventually removed the debt collection from my name. But this time, they somehow had my social security number attached to this debt, despite the fact I've never been XXXX 's client. I have a feeling CREDIT MANAGEMENT LP is commiting identity fraud against me to try to make me pay a debt I do not owe. I disputed the account with XXXX, but they have refused to remove it from my credit report.
Consumer complaint received 2021-07-05
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: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2021-09-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

My name is XXXX XXXX. I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX in XXXX. I paid cash for this car. For some reason, the car was registered as being financed thru Hyundai Motor Finance Company. THE CAR WAS NEVER FINANCED. I tried dealing with Hyundai Motor Finance Company, but the customer service agent was of no help to me. I reached out to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX then contacted Hyundai. But again, nothing has been accomplished and the vehicle still shows Hyundai Motor Finance Company as the lien holder. Needless to say, this has been very frustrating! 

VIN : XXXX I'm attaching an email exchange between XXXX XXXX XXXX XXXX XXXX and Hyundai Motor. Neither XXXX nor I have heard anything after this. Please help! 

Thank You!
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (RI)

I reviewed my Consumer Reports and noticed that I have one late payment on an account that I was never late for. In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights under 15 USC 1681 Section 602 which states I have the right to privacy. 

Consumer Reporting Agencies have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy, however, they are violating 15 USC 1681 Section 604A section 2 which states a consumer reporting agency can not furnish an account without my written instruction. I have never been late on payments for the account that i have included screenshot inside this complain in on dates of XX/XX/22. 

Please investigate and provide Proof with statements showing that these payments were late and the proof of my written consent to consumer reporting agency to furnish negative items on my XXXX XXXX account. 
If proof can't be provided, I demand these payments be updated to Paid on Time as they should be. In accordance with 15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-04-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Alliant Capital Management LLC (MI)

Hi my name is XXXX XXXX and I was scammed by this guy named XXXX XXXX and he used my name to sign me up for a loan for Alliant capital management but the name of the loan is XXXX XXXX loan and I have never ever signed up for it and Alliant capital management said that they will sue me too
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I noticed on my check that only {$170.00} is being taken out of my check for Child support, this is not the full amount that is to be deducted. The actual amount is {$340.00}. When I transferred to XXXX from The XXXX, I switched from getting paid twice a month to once. This has caused me to receive a lot of late payments to XXXX County Department of Child Support Services. My credit score has dropped more than XXXX points because of this. Is this something that can be corrected? 
I worked very hard to improve my credit score just to have some computer error and negligence of filing paperwork on time dramatically drop my score. I never had a late payment. 
In my documents you will see copies of check stubs from when I worked for XXXX and some from when I transferred to DGS in XXXX/XXXX/2014. I worked for XXXX since XXXX/XXXX/2005. You will also see a copy of my credit score before it dropped, and emails to Human Resources Dept. In the emails you will see that I was trying to correct this error.