davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

My annual income recertification date for Income Based Repayment was upcoming in late XX/XX/XXXX. There was a notice on my FedLoan account website stating as much, and I knew that a missed recertification would mean payments would increase substantially to the " standard '' payment amount. I followed the account notice 's direction and submitted my recertification paperwork on XX/XX/XXXX with the understanding it was required. 

My joint income had increase in XXXX so I was notified on XX/XX/XXXX that my recertified student loan payment amount increased by roughly {$120.00}, with payments beginning in XX/XX/XXXX after CARES Act expires. 

It was later brought to my attention that embedded within FedLoan CARES Act FAQs, that income recertification is NOT required and can wait until the following year, which in my case would be XX/XX/XXXX, and a new payment amount XX/XX/XXXX. 

I contacted FedLoans via phone on XX/XX/XXXX about the issue and requested that my payment amount be reverted back to XXXX levels per CARES Act. That representative sent a note to another unit. I followed up via e-mail on XX/XX/XXXX but did not yet get a response. I followed up today via phone, XX/XX/XXXX, and was told that they rejected my request and my new recertification amount will stand despite the CARES Act not making it necessary, and despite their mixed messaging on their website.
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing to dispute a series of billing errors on my Capital One credit card account. 
Unfortunately, I did not become aware of these recurring charges until XXXX of this year, at which point I immediately called Capital One to dispute the charges, which were $ XXXX/month since XXXX, increasing to XXXX/month in XXXX, amounting to a total of {$390.00}. These charges are for a service to which I have never subscribed. It is listed as XXXX. 

As soon as I became aware of these charges, I called Capital One on XX/XX/XXXX ( XXXX ). I told them that I had never had this service with XXXX and the card was deactivated. I was no longer able to use it. I checked on line for my expected credits and was shocked to see another charge, posted on XX/XX/25 for {$64.00}. I called Capital One again on XX/XX/XXXX ( XXXX ). I was told that the vendor had disputed my dispute and despite the fact that the ONLY reason the card had been deactivated was to prevent THIS CHARGE. They would provide me with no information as to how this could happen, other than to tell me that the vendor had the right to continue charging my deactivated card, although I could not. I had previously attempted to reach XXXX on two different occasions and was on hold for almost an hour each time without reaching anyone who could help me.I also attempted to contact XXXX via their on-line dispute process but my XXXX account ( which I have via my email account with XXXX ) indicates no subscriptions, so that also was a dead end. The fact remains that I did not subscribe to ANY tv service and have been paying for one ( unused ) since XXXX. 

I called Capital One on two other occasions. I complained on their website and received a response that they were looking into it and that someone would get back to me. No one has. All XXXX can confirm is that I have no XXXX subscriptions to anything, and without a subscription to contest, they can not assist me. 

I am retired. There is no TV service on the planet for which I would pay $ XXXX/month. 

I hope that you can help me. Please let me know if you need additional information. 
I am attaching my transaction sheets from my XXXX and XXXX statements, where it seems that the credits were applied, and then rescinded. I am angry and confused and do not know where else to turn. 

Thank you. 
XXXX XXXX
Consumer complaint received 2021-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CO)

To whom it may concerned : I have tried to work with my lender but every time that I submit for a loan modification they don't open a new review because they advise that I was already denied once. That they could not create an affordable payment. I have never had a loan modification in the life of my loan and I am just trying to save my home! The last correspondence that I received from them was that they reached out but they never did. No additional documents were requested and they just denied the application as soon as it was submitted.
Consumer complaint received 2021-10-19
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: Experian Information Solutions Inc. (NJ)

on XX/XX/2019, my XXXX  credit card XXXX, was placed in collection with XXXX XXXX XXXX. XXXX made me a settlement offer that was unacceptable. I offered a settlement of {$750.00}. ( check # XXXX for {$500.00} and check # XXXX for {$250.00} ) in the memo field of both checks, a notation, " PAID IN FULL " was written. 
this debt is still reflected as open on my credit report.
Consumer complaint received 2020-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (TX)

I received an email from XXXX stating that my student loans have been transferred to XXXX, and I would have to set up online access with them. I created the profile, however my loans are not showing. It is showing I have no loans or ability to pay on them. I then tried to contact customer service and could not get through. I then emailed them directly, and did not get a response. I was told for sure by XXXX the account will be ready XX/XX/XXXX, but now here it is XX/XX/XXXX, and I am unable to make a payment or even have access to my student loans. Payments are going to be due, and I can not pay on them because I have no access. I am now getting loan error messages on the website, but it is not giving me access to the loan, ability to pay on the loan, and they are not willing to communicate with me. I just want to get this resolved. This can not effect my credit. This would have an impact on me getting a mortgage if these are not resolved. Please assist.
Consumer complaint received 2020-12-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (FL)

After Filing multiple Covid Hardship wavers. I had to surrender the XXXX XXXX XXXX to XXXX XXXX in XXXX. XX/XX/XXXX. Chrysler Capital refused to honor both the warranty, repair, and shotty workmanship on a car held together with plastic. 

Every month since XXXX had threatened to repo the car. Dealing with XXXX XXXX and XXXX corporate. Whom both laughed when I called from the side of the road broken down with my XX/XX/XXXX XX/XX/XXXX from the accident. 

a year and a half recovery on my arm, trying to save up over {$1500.00} in repair costs that were covered under warranty. and trying to pay the ridiculous car note XXXX refused to work with. as well as threatening and Defrauding XXXX Vets during a pandemic is a serious deal.
Consumer complaint received 2020-12-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITYWIDE HOME LOANS (UT)

We apply for the loan with city wide home loan It was a home loan. 
Loan Officer name XXXX XXXX under writer : XXXX XXXX PHONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXUT XXXX We put XXXX XXXX dollar down as agreed earnest money deposit. We were told that we were approved for the loan. We paid {$450.00}, the home inspections fees, when it time to close on the house. We were waiting for das and they keep extended on time but we agree that we will be close on XX/XX/2020 as we done all of our due diligence meet all deadline provide so much document as requested, as the day to closed to no fault of us we were told that we will not be closing on the home no reason given we lost the House a swell as earnest money deposit.
Consumer complaint received 2021-04-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

i submitted a identity theft affidavit to XXXX XXXX and XXXX  on XX/XX/XXXX and XX/XX/XXXX that these 3 accounts that were showing on my credit did not belong to me an that i had never applied for these loans or cell phone services. im attached the follow documents i sent them so they can block these accounts which is requested by the federal goverment law. Please see attached affidavit.
Consumer complaint received 2024-02-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnion 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$0.00}. Please remove.
Consumer complaint received 2022-03-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maury Cobb, Attorney at Law, LLC (MO)

In XXXX of 2021 I canceled service to XXXX ( XXXX XXXX ). While canceling, we paid our balance, and was told that the account was paid off, and that we would not owe anything further. We then received a bill a few months later, and spoke with XXXX at XXXX. We explained the situation to him, and he said he would look into it, listen to the recording of the conversation, and we never heard back. 

We have now had three separate debt collection agencies contact us attempting to collect a debt that we have repeatedly been told does not exist. Each company has, in turn, researched the debt, and ceased to attempt collecting after we wrote a letter to them explaining the issue, however, we have now been contacted by a third collection agency attempting to collect on a non-existent debt, and this is beginning to feel like harassments Letters were sent to each agency through certified mail, and are attached below..
Consumer complaint received 2023-03-10
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: Maximus Federal Services, Inc. (CT)

In accordance with the fair credit reporting act XXXX account number XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2020-12-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (NJ)

National Credit Adjusters ( NCA ) sent an email to advise that I have a debt with them of a principal amount of {$400.00} which is now {$1200.00} and if I don't contact them in two days the debt is going to go up to {$8400.00} ( attached email ). They did not provide any phone number to call and believe the company is engaging in unfair and deceptive acts and practices in the collection. They have also reported this to the credit bureau. 
NCA is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and is engaging in the unfair and deceptive acts and practices in violation of sections 807, 807 ( 2 ) ( A ), 807 ( 4-5 ), 807 ( 7 ), 807 ( 10 ), and 808 ( 1 ) of the Fair Debt Collection Practices Act, 15 U.S.C. 1692e, 1692f. NCA has misrepresented by inflating the amount actually owed on the account they say I owe. I do not have an account number of the debt they are alleging I owe nor have they provided any call back number. NCA has threatened me with legal actions including lawsuits, visits from process servers, and arrest when NCA does not have the legal authority to take those actions.. NCA 's claims are false and misleading, and thus NCA is committing deceptive acts and practices in violation of section 807 of the FDCPA, 15 U.S.C. 1692e, ( 2 ) ( A ), ( 4-5 ), ( 7 ), and ( 10 ) Unfair Acts and Practices in Violation of the FDCPA Inflation of Account Amount! NCA is engaging in unfair or unconscionable means to collect on debt in violation of section 808 ( 1 ) of the FDCPA, 15 U.S.C. 1692f ( 1 ).

Deceptive and Unfair Collection Activities under the CFPA. 
NCA has previously engaged in unfair and deceptive acts and practices as shown in Administrative proceedings File # XXXX, Consent Order on violations, and is in complete disregard of Consent Order stipulations signed XXXX of XXXX 2018, which is still in effect ( 5 years ) and enforceable.
Consumer complaint received 2020-12-01
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: National Credit Systems,Inc. (TX)

I sent in letters to the credit bureaus stating that i had invalid and unverified information on my credit report and I have not heard anything back from the credit bureaus. Please remove the accounts from my credit report.
Consumer complaint received 2020-12-01
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: Nelnet, Inc. (TX)

I sent in letters to the credit bureaus stating that i had invalid and unverified information on my credit report and I have not heard anything back from the credit bureaus. Please remove the accounts from my credit report.
Consumer complaint received 2017-11-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (VA)

To Whom it may concern : I previously had a lease with XXXX XXXX from XX/XX/XXXX to approximately XX/XX/XXXX for a XXXX XXXX XXXX XXXX, which is now free and clear of my name. During the period of the lease I received numerous billing inconsistencies from XXXX XXXX, stating time-and-time again that I owe them additional money for fees associated with personal property tax that the county bills the leasing company, and they in return pass the fees on to me for payment. After receiving the personal property tax bills from XXXX XXXX, I remitted payment for the specific amounts in question for each bill I received ( attached ). However, after paying the tax bills to XXXX XXXX I continue to get letters from them stating that I owe money for the tax bills. I have tried several times to resolve the dispute for well over a year now with no success. The latest letter ( attached ) states that I owe them {$4000.00} for taxes, with no itemization as to what the actual money is for, other than it 's for personal property tax. Earlier in the year when this came up I went to the county to pull the personal property tax records for the vehicle, and then compared those amounts to the electronic payments that I made to XXXX XXXX for those amounts ( also attached ). Moreover, the money they are seeking now does n't add up to the total amount of tax owed for the vehicle which makes the case even more perplexing. 

I 've attached the latest letter from XXXX XXXX along with the county tax records for the vehicle with the corresponding tax payments I made to XXXX XXXX during the period in question. I would appreciate the CFPB intervene to help resolve the matter. 

XXXX XXXX XXXX
Consumer complaint received 2020-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TN)

I recently obtained a copy of my credit report ( CCS ) continues to violates my rights and my privacy asa consumer according to Fair Debt Collection Practices ACt. Also this company is in vioaltion according to 15 USC 1692. I have attached a copy of my FTC report and License.
Consumer complaint received 2020-12-01
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

I filed a dispute with Experian about removing an account from XXXX and asking them to explain how they came to the conclusion that this invalid account is accurate. Their response to me was that this account was updated. The response which came to me on XX/XX/2020 did not state the method of verification they used to verify this account. I have the right to know this information and it is illegal for them to withhold this information from me.
Consumer complaint received 2021-10-11
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: NAVY FEDERAL CREDIT UNION (MD)

Hello, So I spoke to my bank Navy Federal Credit Union, and XXXX about an issue with a credit account that was removed from my credit report without my consent. 

I spoke to XXXX on XX/XX/2021 via phone and online about a remark on my account that dropped my credit score by 88 points. I asked transunion over the phone and online about the drop, saying there might be an issue with my NFCU credit card. XXXX spoke to me and said over the phone they removed the remark. 

About a month later I noticed how my account for XXXX was back to my usual credit score, but my XXXX account had not returned to normal. I noticed that my credit card account was removed for some reason. I have been speaking to both XXXX and NFCU about this, and have messages from NFCU on their app. Navy has stated they reached out to XXXX and were told I needed to provide some type of reinsertion letter with my signature and other information on it, I am not doing that and making myself liable if there is some fault on one of these parties here. I spoke to XXXX about this, and they stated that navy never reached out to them and started whatever reinsertion process. 

I have never told any of these parties to remove any account in my name, I still have my credit card and the account is open. I want a 3rd party to mediate communication amongst these two and please get this handled, that is it. I am not doing another round XXXX involved with this, because someone probably just made an error somewhere because I was concerned about a sudden credit drop. 

XXXX XXXX
Consumer complaint received 2021-04-10
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: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously