davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-04
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: Experian Information Solutions Inc. (PA)

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2017-12-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Service Center, Inc. (PA)

The XXXX XXXX XXXX XXXX sent my bill to a collection agency while the bill was still in dispute. The XXXX billing office sent me a bill charging me for services, which was more than twice the amount I owed ( the amount based on the contracted rate from my insurance provider is much lower ). They have sent me this bill 3 times and then sent it to collections, even though I have informed them that I should get a contracted rate for these services, based on information from my health insurance provider XXXX. I am in discussions with my insurance provider to have the bill reprocessed and I have called the XXXX XXXX XXXXXXXX XXXX billing office twice so far disputing the bill and informing them that the bill is being reprocessed to reflect the contracted rate from my insurance provider. They ignored this piece of information and went ahead and sent it to a collection agency anyway instead of waiting for the reprocessed bill for the lower amount from my insurance provider. Moreover my insurance provider has since paid a portion of this bill to the XXXX XXXX XXXXXXXX XXXX as the attached claim details ( from XXXX ) show. 

At least 3 bills were sent to me from the City of XXXX XXXX, the latest one being from their collections department on XXXX XXXX. I have called and explained to them that the bill is being reprocessed and I need to wait before I can get the reprocessed to pay the exact amount I owe - my last call was on XXXX/XXXX/XXXX. 

My insurance provider has since paid a portion of the bill, so it also needs to be adjusted to reflect the amount already paid. 

In addition to this causing me unnecessary stress and anxiety over the financial matter, it could potentially affect my credit history at a very sensitive time for me when I am trying to buy a home and my credit standing is extremely important.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX  reported on my credit that i missed a payment, my loan has been paid off and i pay every month, i did not miss a payment in XXXX as stated by this company. I called but they were unwilling to help. They can check there records.
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (GA)

XX/XX/2020 my property had a sewer flood. I reported an insurance claim for collection on homeowners policy. The insurer issued payment for repairs to be made to property from my homeowners policy in the amount {$62000.00}. The Mortgage company SNService was informed the Contractor hired for repairs estimate was signifacantly higher at {$73000.00}. The insurance company did not cover the repairs to be made by the c ontractor that was hired due the insurance company failure to provide the additional {$10000.00} that was not enough to hire my preferred contractor. As the property owner I was responsible to provide due diligence and make repairs. I used personal funds to finance the mitigation while waiting for the mortgage company to reimburse me for personal funds to be dispersed by the mortgage company that had received {$62000.00}. SNService Mortgage denies disbursement for payments for mitigation and repairs that were completed. To obtain disbursement I submitted receipts, pictures for before and after mitigation along with reports from the structual engineers, and even allowed a home inspection to provide evidence I had indeed spent substantial funds for mitigation and home repairs. The mortgage still denies disbursement of the insurance funds provided to them to be disbursed for the purpose of mitigation and repairs to my property. When I demanded the funds be made available to me and even to me and the contractor I was denied. The mortgage company tells me that they will have their legal department contact me, which has never happened. This has been going on for months and delays my repairs to the property. The mortgage company provides no reason, and has NO LEGAL reason to refuse to reimburse me for the funds needed for the property. SNService mortgage only continously denies my funds they hold from my insurance claim which they were provided for repairs to be made which they deny providing for those repairs. I can not repair my property which will go into foreclosure due to the illegal withholding for these funds which I was to access and repair the property. I am XXXX and this is my primary only property, foreclosure will make me homeless. Snservice is forcin the situation into a foreclosure by denial for disbursement for the repairs needed and to prevent immenent forced foreclosure. They are illegally with holding my funds, I need assistance.
Consumer complaint received 2017-12-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

On XXXX XXXX, XXXX a major flood occurred in Louisiana involving my home. I got behind on my Mortgage, but was able to get caught up by XXXX of XXXX through a repayment plan. After hurricane Harvey in Texas, business slowed and I got behind on payments again. I asked again for a repayment plan, but I could not afford such large payments with the additional late fees imposed. I sent a full payment for XXXX XXXX on XXXX XXXX through XXXX XXXX, but the payment was declined by the Mortgage company. I received the notice on XXXX XXXX of the payment being declined, so I contacted the mortgage company. The representative on the phone kept insisting that I was 4 months behind and refused to work out anything except a deed-in-lieu or a cash sale. A letter sent in XXXX of XXXX states they would accept partial payments by placing the monies in a pending account until there was an entire payment accumulated, yet they would not accept a full payment for XXXX on XXXX XXXX.
Consumer complaint received 2021-05-03
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. (MI)

My identity was been stolen, I have contacted TransUnion regrading this issue a ton of times and they refuse to help me. I have mailed paperwork after paperwork and they have done nothing for me. I need some help
Consumer complaint received 2018-07-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

XXXX XXXX Services out of XXXX XXXX continues to contact me for debt collection. I received a letter on XX/XX/2018, a phone call on XX/XX/2018, and another phone call on XX/XX/2018. Amount owed is {$17000.00}. I explained for the third time that in XXXX, the Statute of Limitations on the collection of a non-collateralized debt is 36 months from the date of my late payment. I explained they were illegally attempting to collect a debt because 1 ) I asked them to stop calling, and 2 ) my last payment to their client, Bank of America was over 60 months ago, and the Statute for collection has expired. 

They continue to contact me attempting to collect this debt.
Consumer complaint received 2018-04-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TCF NATIONAL BANK (GA)

On XX/XX/XXXX I submitted a payoff to XXXX XXXX XXXX XXXX XXXX. This payoff was evidenced by a filing via a UCC 1 Financing statement recording File no. XXXX. I submitted payoff via mail and sent copies of payoff via fax, email and certified mail. To this date XX/XX/2018 XXXX XXXX XXXX XXXX  XXXX has fail to credit my account and continuesbto bill me.
Consumer complaint received 2019-06-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

While investigating if I was eligible for a loan discharge on a XXXX private loan, I noticed the school listed as my college was not a school I attended. I requested a copy of the promissory note and once received, it was obvious the loan is fraudulent. The signature for myself and my co-applicant are blatantly forged. Basic, easily verifiable information was wrong, and overall the document wasn't even filled out in its entirety. No copy of ID, no record of an ID for the co-signer was even recorded. I alerted XXXX right away, and supplied all requested documentation in a timely way. This inlcluded an affidavit, identity theft report, replaced drivers license from the same time the loan was applied for, social security card, signed lease from 6 months after the identity theft, and a statement regarding the loan. The first issue was the amount of time taken to investigate, then they requested the same document which was already provided multiple times. 

They continue to harass both myself and my co-signer. They found " no identity theft '' even though the paperwork very clearly confirms my claim. At this point, the credit reporting agencies have removed the loan from my reports but XXXX continues to add interest to the account and call incessantly.
Consumer complaint received 2021-05-03
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: EQUIFAX, INC. (PA)

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2018-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I received a pre authorized credit from Capitol One in the mail. To boost my credit score I decided that I would apply XX/XX/18. However, I received an email on XX/XX/18 requesting for me to SEND a COPY of my SS CARD via email, fax, or mail. I do not feel these are safe methods to protect the consumer. Anyone can make a simple error in an email or fax and it goes to the wrong person. Anyone can open someone's mail as this has happened before. I have been a victim of FRAUD in the past and this process scares me. 

The supervisor stated Federal Law requires this. However, were does Federal Law protect us when applications are online and that there is NO safe way to provide the information they are requesting us to send. 

I have no problem providing proof of address through these methods, but effeminately NOT my SS CARD. 

I have spoken to a supervisor XXXX at Capitol One and said that the Federal Government requires that they get this information. I do understand regulations but then there needs to be options to go to a local Capitol One Bank and Present for Visual Verification of the information and that person from the bank can then mark on the application that they verified the information. NO copies should be made to be faxed. 

Not once did say they a had any secured way to provide this information. 

This has lowered my credit score by XXXX points!!!! I am trying to improve it not destroy it.!!! 

Thank You for your time. 

XXXX XXXX VERY CONCERNED CONSUMER
Consumer complaint received 2018-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (AR)

credit Karma will not remove a false name from my ssn, it has been used since I was XXXX, now that I'm XXXX and married and I want to buy a house I found this out. I finally got the false information ( collection debt ) removed, but my CK report calls me " XXXX ''
Consumer complaint received 2021-01-31
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 (NY)

On my credit reports there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA Opened XXXX. XXXX, 2015 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2017-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VALLEY CREDIT SERVICES, INC. (WI) (VA)

On XXXX XXXX, XXXX, I received a letter from XXXX XXXX claiming I owed a debt in the amount of {$3000.00}. On XXXX XXXX I sent a certified letter acknowledging the letter but disputing the validity. Using the USPS tracking system for certified letters, the letter I sent has been repeatedly delayed due to bad address. An attempt to deliver the letter was conducted on three occasions. When I contacted XXXX XXXX over the phone the mailing address is in XXXX, MD. Furthermore, no followup letter, phone call, or additional notification was sent stating that this change in address had occurred. My complaint is that this business is expecting me to dispute the validity of debt within a thirty day window but knew any returning mail would and could not be collected by there office. Furthermore, there was no forwarding information to the address provided when you contact XXXX XXXX by phone. This company is using practices not conducive to good business and furthermore does not practice due diligence when trying to receive debt disputes, which leaves people vulnerable to having inaccurate and false information placed on their credit report. As a victim of identity theft, I take the validity process seriously and XXXX is allowed to continue their misleading practices others will be affected as well. 

Please see below for certified mail details Tracking Number : XXXX XXXX XXXX, XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, VA XXXX The package is delayed and will not be delivered by the expected delivery date. An updated delivery date will be provided when available. The item is currently in transit to the destination as of XXXX XXXX, XXXX at XXXX XXXX. It is on its way to XXXX, VA XXXX. 
XXXX XXXX, XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, VA XXXX XXXX XXXX, XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, VA XXXX XXXX XXXX, XXXX, XXXX XXXX Departed USPS Regional Destination Facility XXXX VA DISTRIBUTION CENTER XXXX XXXX, XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, VA XXXX XXXX XXXX, XXXX, XXXX XXXX Arrived at USPS Regional Destination Facility XXXX VA DISTRIBUTION CENTER XXXX XXXX, XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, VA XXXX XXXX XXXX, XXXX, XXXX XXXX Departed USPS Regional Facility XXXX AZ DISTRIBUTION CENTER XXXX XXXX, XXXX, XXXX XXXX Arrived at USPS Regional Origin Facility XXXX AZ DISTRIBUTION CENTER XXXX XXXX, XXXX, XXXX XXXX  Accepted at USPS Regional Origin Facility XXXX AZ DISTRIBUTION CENTER XXXX XXXX, XXXX Pre-Shipment Info Sent to USPS, USPS Awaiting Item
Consumer complaint received 2021-09-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Braviant Holdings, LLC (UT)

I noticed an email stating I had applied for a loan and that it was funding the next day to a bank account that I have never had before. The customer service rep said I had to file a police report first before she would just close out the account. I was bothered by that and asked why she can't just close the account out and she wouldn't answer the question.
Consumer complaint received 2021-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I have been trying for years to get an explanation of how the original loan with a principal amount of approximately XXXX XXXX was REHABILITATED into a principal amount of almost XXXX XXXX dollars. And how there can be such an excessive collection amount of almost XXXX XXXX dollars! All I ever receive are the ledgers with no explanation of what Rehabilitated constitutes. 

Furthermore, there appears to be a loan on the account that I never borrowed for {$19000.00}. I was also on a XXXX  Scholarship as my dad was an XXXX XXXX XXXX  in XXXX. 

After not getting a complete explanation from the lenders, the case was turned over to a collection agency, Pioneer, which also has been unresponsive to my communication. I hired an attorney and he has also been unable to get the requested information. Causing me to incur legal fees. 

Furthermore, they have violated the fair billing act and held the position that I had to pay the fraudulent amount without a complete explanation or suffer the complete suppression of my credit score. 

Lastly, for over a decade I was unable to purchase a house or get a credit card. Accordingly, I should be compensated for my loss of opportunity.
Consumer complaint received 2018-07-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (TX)

On XX/XX/XXXX I received notification from XXXX, and XXXX  that a new collection was placed on my credit report. I have reviewed the information the collection account does not belong to me. They have damaged my credit with this incorrect information and I have yet to receive a response from them validating the account. What Methods of validation did XXXX and XXXX  use? I'm seeking this account gets removed from my credit report and cease all credit bureau reporting until they are able to " validate '' the account by me.
Consumer complaint received 2021-05-04
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: Experian Information Solutions Inc. (PA)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$330.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2018-07-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NJ)

I opened my bank account in XXXX, I do remember. Back to XX/XX/2005 I guess. 
I recommend citi always. I do believe that your service is excellent so far. 
I still think you are the best till I received notice of account closing. 
Did not see that coming. Some warnings that caused I deposit and withdraw too many times with cash. I explained I earned and played XXXX. 
I also got money from my home town, XXXX XXXX. They wired money since I was a student in XX/XX/2005. Anyway citi closed both my checking and saving account. I accept that. But citi force to close my credit cards too. Did not even get a cashback 2 % for this month. No one explains clearly. 
Caller told me that I need to write down a letter. So I decided to write a letter. 
No one told me that I cant do lots of transactions because of I do have personal account. One of Branch managers told me that citi think that I do business with my personal account but I did not. Without warning or reasonable explain they just closed now. Now they tried to close my credit cards too. They never recommend me to open business banking account or explain I cant have many transactions with personal account. This is ridiculous and absurd. More disappointed than angry. I did not even hear answer for that whether I can open my account for the future. No one can explain anything. I did not anything wrong.