davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
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. (PA)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Equifax failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

1. XXXX XXXXXXXX-Balance {$0.00} 2. XXXX  XXXX-Balance $ XXXX-Date Opened : XX/XX/2018 3. XXXXXXXX XXXX XXXXXXXX-Balance {$1100.00} 4. ( Original Creditor : Medical ) -XXXX-Balance {$110.00}
Consumer complaint received 2017-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc. (CA)

On correspondence dated XXXX XXXX, XXXX, I wrote to this company asking for Validation documents for account numbers : XXXX, XXXX, XXXX, and XXXX. More than 30 days had past and this company has not sent me any validation documents. For account # XXXX, there is an issue with the original creditor, " XXXX XXXX ''. My secondary insurance was never billed.My secondary insurance became my primary insurance for my XXXX/XXXX/XXXX and XXXX/XXXX/XXXX visits and again was not billed at all. This account has been sent to collections in error. Attached to this complaint is a copy of the bills on those dates. I know for a fact that XXXX XXXX is already out of business for more or less 2 years now, so I do not understand how this company was able to verify the information they are reporting. This is a violation of Both FCRA and FDCPA. For the other referenced accounts, I have never received any validation documents as well. Almost two months and nothing has been sent to me to prove the validity of those items.
Consumer complaint received 2017-11-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (CA)

XXXX is a tribal lender that is not a legal lender to date they have been paid XXXX on a XXXX dollar loan. And are demanding another XXXX which I do n't have. I am in chapter XXXX bankruptcy and this loan should be paid in full with the money I have paid.
Consumer complaint received 2020-10-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management (FL)

This collection was the result of unfair tactics by the hospital charging me for services I didn't ask for. I went to the emergency room due to XXXX XXXX because my fried was concerned. They inserted an XXXX  in me and refused to remove it when I wanted to leave and telling them I didn't want to be admitted or additional tests. They insisted that something bad or even death could happen to me and there was nothing I or they could do to help it unless they performed additional tests. I insisted multiple times that I was fine but they refused to remove the XXXX  until the doctor came to see me. After hours of waiting I finally got XXXX XXXX  enough to removed the XXXX myself and had to WALK home! This was all explained to the collection agency and they dropped the case. I disputed it on my report twice and it was removed both times from ALL agencies but they keep adding it to my reports ... Furthermore ; they don't notify me and I have to find out through XXXX XXXX! Then I have to dispute it AGAIN ... Also, see the attached showing that the amount is XXXX
Consumer complaint received 2017-11-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I contacted XXXX again as well as opened disputes with TransUnion and XXXXx ( been multiple times XXXX to inquire about a dispute with an item on my credit report. I have previously disputed this item, and multiple times it has come back as verified and accurate without a deep investigation or any explanation as to what was given as documentation to verify the debt listing is correct. On the call yesterday with a representative XXXX/XXXX/XXXX I asked the representative to reopen another dispute into a XXXX XXXX listing as it is not reporting a correct listing and I asked her what is the dispute process. She stated that agency will ask the creditor if the debt is accurate and as long as they say/certify that the listing is right then they will leave the listing. The creditor has to provide them with no documentation showing proof. FCRA states that lawfully XXXX XXXX and TransUnion must provide the method of verification as well as who the furnisher was who verified the information. Im having this issue not only with the XXXX XXXX account but also with some inquiries on my report. I 'm requesting a through investigation of these items and when complete I would like method of verification and who the furnishers were so that I can make direct contact. If these things can not be provided I request that they be removed from my credit report promptly.
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NC)

I had security monitoring at my home. We sold our home in XX/XX/XXXX. The company continued billing me, even after several calls to stop. I had to end up faxing them a copy of the sale papers. In XX/XX/XXXX, I reached out again by letter and asked them to remove from credit reports because I was never late, I gave them my email address and phone number to contact me and I have not heard from them.
Consumer complaint received 2018-03-26
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: ENCORE CAPITAL GROUP INC. (FL)

I try to get few charges on my credit report that aren't true but. XXXX XXXX XXXX and XXXX XXXX bank. Keeps lying about this issues credit one bank claimed tha I have a contract with them but the don't bring the prove the haven not bring anything to provided it that why when I closed my account I was to finished pay what I used to owe them but the. They started to add more money late fees anual payments i have tried to resolve this issue bit they don't care they damage my credit becouse their fraudulent way to add money I would not pay money I don't owed them they are taking advantage of my situation the keep calling the house late night early in the morning non-stop I did a complaint with my credit report agencies but they side with them they didn't get any given any proved about the challenges but. They didn't remove it from my credit report non of them care
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am currently disputing a fraud item from XXXX which took place in XXXX, however recently XXXX placed a hard inquiry on my credit reports without reason.
Consumer complaint received 2017-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (TX)

I closed my loan with XXXX XXXX and prior to my first payment, it was sold to XXXX XXXX XXXX XXXX to service the loan. I received notice from XXXX that my loan was being sold to XXXX XXXX who would maintain the servicing of the loan. I did n't receive the welcome package from XXXX XXXX until a few days before my due date. I then went to their website to try and register so that I could pay my mortgage on XXXX/XXXX/XXXX. The website kept saying they could not find my mortgage loan so I could not register and make a payment. I called the number listed on their website multiple times on XXXX/XXXX/XXXX - XXXX/XXXX/XXXX with no luck in getting in touch with someone at the Company. On XXXX/XXXX/XXXX, I sent a email to someone listed as a region manager who then reached out to help. He stated that my loan number was listed wrong on the paperwork ( they left off the first 3 digits on the letter ) and gave me the correct loan number. I was then able to register and make my payment but at a charge of approx. {$8.00} given it was a " expedited '' payment due to it being late. RESPA protects me from late charges and reporting me being late on a payment given my loan was sold prior to the first payment. I told the Company that I had no other choice but to make the payment online with them and the site gives me no other option to pay so I was forced to pay the " expedite '' charge. I ask them to refund that charge given it was not ethical to charge me to make my first payment with you and not provide other options at this time. The company stated they would try but that they normally do n't refund this because it was my fault I was late ( which is not true ). I work in the mortgage industry and with the largest mortgage servicers and this is the worst practice of mortgage servicing that I have ever seen. Please respond immediately with corrective action.
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/XXXX, I filed a complaint against XXXX XXXX XXXX   with the Consumer Financial Protection Bureau ( Case Number : XXXX ). In the complaint, I expressed, in my opinion, XXXX XXXX XXXX violated Texas Finance Code 392.202. 
Shortly after the complaint was filed, I received a response from XXXX XXXX XXXX, via the CFPB, on XX/XX/XXXX. In the response, a representative acting on behalf of XXXX XXXX XXXX, states the following : In light of the forgoing, and in accordance with the consumers request, we have requested deletion of our tradeline from the consumers credit report. XXXX XXXX XXXX made good on that promise, as the negative reporting was removed from my credit report. 
Unfortunately, after reviewing my credit report in XX/XX/XXXX, XXXX XXXX XXXX, and or, Resurgent Capital Services, is once again, reporting negatively to the credit reporting agencies. In my opinion, XXXX XXXX XXXX, and or, Resurgent Capital Services, is playing Fast and Loose, with the FCRA.
Consumer complaint received 2018-03-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (LA)

Loan on mortgage in XXXX was supposed to be turned in as paid when mortgage was refinanced in XXXX but mortgage company failed to report that mortgage in XXXX is paid they still have a open mortgage from XXXX reporting on my property also mortgage company reported information in XXXX on property when that in which was reported is not true according to mortgage in XXXX
Consumer complaint received 2017-12-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I continue to receive repeated calls to my phone number XXXX from a revolving list of numbers associated with Portfolio Recovery. I returned their call to XXXX on XXXX/XXXX/XXXX and explicitly requested they stop contacting my phone number. I was told they would not stop calling until I identified myself, which I refused to do other than stating I was the owner of phone number XXXX. I have since continued to receive repeated calls from this company ( 12 additional calls that I can find in my phone ) from various numbers all over the country.
Consumer complaint received 2022-03-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation (TX)

I opened a mortgage with SWBC in XX/XX/XXXX and sold the property in XX/XX/XXXX. I had to pay the outstanding property taxes at closing. I am still awaiting refund of the paid taxes. I initially filed a complaint with the TX Dept of Savings and Mortgage Lending in XXXX XXXX after four months of dealing with SWBC and them raising my escrow amount due to " predicted '' property taxes increasing without a valid assessment by the tax collector and for them not paying my prior year property taxes in full. I was told by numerous SWBC customer support reps that they would abide by their Truth in Lending statement and charge me the lower mortgage payment but it never happened. Had they done so, we would not be in this predicament of overpaid taxes in the amount of {$6000.00}. 
I submitted another complaint after being told three different scenarios for getting my tax refunded. They responded to the state agency with a lie stating they had confirmed receipt of my tax refund on XX/XX/XXXX and would send the refund in 5-10 business days. We are now at business day 23 and I called 4 times in the last week ( their message states they will call back the next business day, another lie ) and was told tonight that their tax department does not have the refund and it could tax another 4-6 weeks. As you can see with the letters they sent ( attached ) only 4 days apart, it's not even close to the truth. How can you confirm receipt by check number on one day and then 4 days later state you don't have the refund? The document on XX/XX/XXXX was uploaded to my Documents Center on their website but the one dated XX/XX/XXXX was what was sent to the state regulators. An obvious attempt to lie to the state regulators.
Consumer complaint received 2017-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

Navient is either completely incompetent or blatantly dishonest. 

I have two sets of loans with them : 1 ) an old spousal consolidation loan from early XXXX 's ( we divorced in XXXX ) ; 2 ) a personal ( i.e. NOT A SPOUSAL LOAN ) from a couple years ago that was taken out in its entirety when I was SINGLE almost 10 years after I had been divorced. I have an IBR plan on my personal loan ONLY that I am trying to re-certify.

Navient keeps sending me letters saying that they need my spouse 's proof of income to process re-certification of my personal loan. This is WRONG and they are either idiots or crooks, and I am  tired of going through this with them every year. This is not a new application for a repayment plan - I am only trying to re-certify an ALREADY APPROVED IBR PLAN!! My ex-wife from 10 years ago has nothing to do with it, and I am not going to give them her income information. They have my tax returns they just need to do their jobs and re-certify. 

I have called Navient customer support 4 times ( this year, last year when I was trying to get the application approved it took a dozen phone calls and threat of a lawsuit ). Each time the CSR gives me a completely different excuse about what went wrong and a completely different action I need to take to resolve it. So far XXXX on XXXX at XXXX PST, XXXX XXXX XXXX at XXXX PST, XXXX on XXXX at XXXX XXXX XXXX PST and XXXX on XXXX at XXXX PST have all told me different things, have all offered erroneous solutions, and have not a single one of them actually done anything to resolve the issue. 

So I 'll close as I began ... Navient is either completely incompetent or blatantly dishonest.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (PA)

On XX/XX/XXXX, XXXX I attempted to pay my bill for {$1200.00} with my other account and wanted to pay {$5000.00} towards my account and the company denied the payment and closed my account. I was already struggling to pay my bills due {$50000.00} to the economy and inflation and the federal crisis, war and so many other issues surrounding life. Since the company closed my account my quality of life has plummeted.
Consumer complaint received 2022-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (PA)

This is regarding My Fed Loan and my attempt to participate in the PSLF program and the failure of My Fed Loan 's Customer Service. 

I have been making payments on federal Stafford loans since before XX/XX/XXXX while in qualifying public interest employment. When the rules allowing those payments to be credited towards loan forgiveness changed temporarily in XX/XX/XXXX, I consolidated the loans to My Fed Loan and applied for PSLF in XX/XX/XXXX. I received confirmation that my application was received. 

I am now being told my recent payments ( not the ones prior to applying ) don't count because of my repayment plan. NOBODY said I had to have a certain type of repayment plan within My Fed Loan. Now it sounds like those payments won't count towards qualifying payments. 

Moreover, I have heard nothing about crediting my past payments which, if they were credited, should result in full forgiveness. 

Finally, I attempted to contact PSLF about this on XX/XX/XXXX at approximately XXXX XXXX. I went through the prompts to be able to speak with an agent and selected the prompt to speak about PSLF. After 38 minutes a woman named XXXX answered and when I said I was calling about PSLF she said she would transfer me to someone in " public service '' despite the fact that she should have been able to answer my question if she was in the phone tree for PSLF. She transferred me and the recording said I had to wait more than 20 minutes. All in all, I was on hold for an hour and twenty minutes and had to hang up so I never was able to speak to someone.
Consumer complaint received 2017-12-28
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: CITIBANK, N.A. (VA)

I traveled to XXXX inXX/XX/XXXXand used my Citibank Mastercard on XX/XX/XXXX for 1 transaction at a restaurant ( XXXX XXXX ) for {$59.00}. When I returned to the US, I found a second transaction on my account from the same restaurant for {$350.00}. I immediately contacted Citibank to report a fraudulent charge on XXXX/XXXX/XXXX and was issued a credit and a new card. 
Since then, Citibank has re-added the {$350.00} charge to my account twice ( on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) with the following explanation ( from a Citibank letter dated XXXX/XXXX/XXXX ) : Our investigation found that the disputed charges ( s ) is not related to a fraud disputes ( s ). You provided your credit card number to XXXX  XXXX XXXX XXXX XXXX XXXX, therefore, this charge ( s ) is not unauthorized. 

In other words, I used my card for a legitimate transaction, so they think any fraudulent transactions that occur after that are still authorized, which is clearly against my card holder agreement. 

I have submitted documentation to Citibank contesting the charge as fraud with my legitimate receipt 3 times. I have spent several hours on the phone ( on XXXX, XXXX, XXXX, and XXXX/XXXX/XXXX ) with Citibank representatives and supervisors, being passed back and forth between the Billing Dispute Group and Security Services Group, with each group saying that I needed to speak to someone in the other group. As of today ( XXXX/XXXX/XXXX ), Citibank has added the fraudulent charge back on my account. They sent a copy of the charge from the merchant and it 's very clear that the signature was badly faked ( it is not even close to looking like my signature on the legitimate transaction ) and was processed hours after I left XXXX XXXX and was back at my hotel. 

This is not only terrible customer service, but it is clearly in violation of my cardholder agreement which states " {$0.00} Liability on Unauthorized Charges You wo n't pay for any unauthorized charges made on your consumer Citibank Debit Card and consumer credit cards. ''
Consumer complaint received 2019-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/XXXX I wrote a letter to XXXX XXXX XXXXXXXX XXXX, advising them that I was disputing an account # XXXX in which they claimed I owed {$650.00} to them. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local and state laws. The letter was mailed Certified Mail signature required Return Receipt. As of this date I have still not received any such validation : that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. On XXXX XXXX I pulled a copy of my credit report from XXXX with showed that the account had not been marked disputed by Midland Credit Management. On XXXX XXXX, XXXX I wrote another letter to Midland Credit Management advising them that I have retained new copies of my credit reports and noticed that they did not furnish the credit bureau ( XXXX ) with the required disclosure, within the period required by law. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I further reminded them that they may be liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As they have violated federal law and state law, by not properly providing the credit bureaus with proper notice within the required time frame, and I have evidence of such, via certified mail receipts, they must now remove the item. On XX/XX/XXXX I once again pulled my XXXX  credit report and noted that they have not removed the invalidated file. See attached documents verifying the above statement.