davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (DC)

After, reviewing XXXX Universitys website, I'm concerned about the sourcing of rankings, outcomes and comparative data. I fear the information is either not correct or is misrepresented and therefore misleading prospective & current students. 

{$110000.00} in Student Loan Debt : For example, XXXX University markets itself as an affordable, first-generation student friendly institution. Yet, I left with an excess of {$110000.00} in student loan debt. My parents ( who did not attend college ) were willing to pay for {$20000.00} of it, leaving me with a monthly student loan payment of {$1100.00} from XXXX while living in Washington, DC making {$38000.00} a year ( a company XXXX XXXX, CFO directed me to ). The response from the finance office my senior year was Oh wow, thats a lot. Youre not going to be able to afford that in this area ( this area being XXXX Pennsylvania ). Unfortunately, Im not the only one.  XXXX XXXX, who is featured in the XXXX XXXX  segment below, shares a similar fate. 

Link to XXXX XXXX : XXXX : XXXX Strong Ties to Predatory Student Loan Lenders : Yet XXXX continues to promote affordable degrees that are friendly towards first-generation college students. XXXX Board of Trustees also share strong ties to Navient and Sallie Mae who issued me loans with interest rates from 8 % to 12 %. I find a conflict of interest between the Board of Trustees who are driving XXXX students to take out high-interest loans with private lenders. 

Link to XXXX XXXX XXXX : XXXX Board Member and Former Executive of Sallie Mae and President of the XXXX XXXX XXXX. XXXX : XXXX XXXX XXXX XXXX serves as chairman of the board of XXXX XXXX XXXX , formerly XXXX XXXX  XXXX and is a member of the Governance Committee. He is president and CEO of XXXX XXXX XXXX XXXX, based in XXXX XXXX.  He is a retired partner of the XXXX-based law firm XXXX, XXXX XXXX, a former executive vice president of Sallie Mae Inc., and the former executive vice president, general counsel and secretary of XXXX XXXX XXXX. 

My Goal : My ultimate goal is to provide a voice for those who have been financially disadvantaged by an institution of higher learning who markets themselves as affordable and accessible to first generation and minority students. I'm aware that this is a systemic issue among small, private liberal arts institution who are struggling to find " their niche '' in the competitive higher education market but issues such as transparent marketing tactics and the unwillingness to address student financial literacy need  to be confronted. There are better ways to handle this situation and I hope XXXX chooses to be on the right side of history.
Consumer complaint received 2019-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

there are too many dates to list but i have on multiple occasions contacted transunion reguarding information on my credit report. i have sent them this exact letter " letter below '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX | DOB : XX/XX/XXXX Trans Union XXXX XXXX XXXX XXXXXXXX XXXX, PA. XXXXXXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 



" END LETTER '' underneath that i included all accounts i wanted verified and on a second page of the letter photo copied my drivers license and social security card on it it and had it notarized and sent two copies. one regular and one certified.

i sent this letter more then 10 times to which they would reply later then 30 days and there reply would only be a copy of my credit report, when i would call on the phone i would get no support they would say all accounts were verified and provide me with no additional information, i requested to know verified by who, by what means, i asked for a copy of the contract, and asked to see validation setforth by the federal guidelines. 
i have sent requests to remove old personal information aswell to which this bureau is in no way shape or form in compliance to my demands or requests. now i have reviewed the fcra and the fdcpa and the laws are extremely clear, yet transunion seems to willfully non comply
Consumer complaint received 2018-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

received letter from XXXX XXXX XXXX XXXX XXXX DE XXXX on XX/XX/2018 letter dated XX/XX/2018 letter states that they have pulled a credit report from transunion consumer reporting agency and that the reporting agency with report they have lowered my credit limit and the reasons they give have nothing to do with being late nor information that they listed on the report. nothing has changed since i applied for credit card and also have had the credit card for years all ways paid on time no lates paid card off several times to zero 1.balance and they even showed the following : which i find isn't correct 2.deragatory public record or collection filed= which i have none 3.proportion of loan balances to loan amounts to high - which this card balance is higher now due to getting a cash advance to purchase home in florida 4.proportion of balances to credit limits too high on revolving accounts- this is very untrue 5.length of time accounts have been established- same amount of time on accounts with some new accounts and paid off items. 
in addition they lowered and pulled credit report which made score go down and they state its because of that as well. 
I am very concerned as to why this was done especially when i have never been late nor misused this credit card, ( my husband had XXXX XXXX as well and they sold off his account to XXXX ) so this is just really difficult to understand why after all these years and charging the card up and paying off and no lates they are lowering my credit line? and adversely affected my credit score by their decision when i haven't done anything to deserve the way they have handled this for " What Cause '' I find this is fraudulent and unfair as to their practices and card holders are ones that suffer the consequences of having a card with them.
Consumer complaint received 2021-06-23
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. (IL)

I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. The following information is outdated. I would like it removed from my credit history report. Amount reported by your Bureau is wrong, date opened on account is wrong, you have been violated the LAW. 
I was never late on this account. Balance is wrong, date of opening account is wrong. 
XXXX XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report incorrect information.
Consumer complaint received 2019-03-14
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. (MO)

I'm disputing the following accounts for the 3rd and final time. It is up to the credit reporting agencies to verify information inwhich they are reporting. Verifiable by physical and certified documentation. If my attempt shall fail this time by the credit agencies not accurately doing their job / due diligences then imma file a complaint with the FTC. I'm requesting that XXXX, XXXX and Experian to investigate this matter and to comply with providing me with all Method Of Verification that was done in this instant matter. I need to know whom spoke with whom, I need to know the date, time and method of communication used while investigating these accounts. What certified documentation did you see and whom all seen it. If I'm not priviledge to this information by request then by the laws written within the FCRA states that these accounts shall be removed/ blocked/ deleted immediately. 

Account # 1, XXXX XXXX XXXX XXXX Account # 2, XXXX XXXX Account # 3 XXXX XXXX XXXX XXXX {$950.00}  Account # 4 XXXX XXXX XXXX XXXX Account # 5 XXXX XXXX XXXX {$180.00}
Consumer complaint received 2020-12-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (CA)

On Tuesday, XX/XX/2020, I received a notification from XXXX XXXX that a negative entry had been put on my credit files with the various Credit Bureaus. When I logged into look at the filing, I was able to determine that Waypoint had filed the notification for the amount of {$260.00} on behalf of XXXX XXXX. To this point, I had never been called, emailed, or received a written notice of the alleged debt. I then looked up Waypoint, XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX and sent an email to them at XXXX on XX/XX/2020 @ XXXX. I provided my name, SS #, and current mailing address. I requested ( 1 ) Validation Notice. ( 2 ) removal of the negative Credit report, & stated that all monthly bills with XXXX had been paid on time through auto debit directly from XXXX. Waypoint promptly responded via email on XXXX/XXXX/2020 that they will mail out the requested documents. 

As of XXXX/XXXX/2020, I have not received any documents, validation of the debt, or further communication from them. I then sent an reply email XXXX/XXXX/2020 @ XXXX stating they have failed to provide the documentation and that they need to invalidate the alleged debt and remove the negative information from all of the credit bureaus. I also let them know I would be filing a complaint.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Since XX/XX/XXXX XXXX  XXXX  in XXXX XXXX Texas main branch and in conjunction with a prior complaint with you on same evolve has miss reported my credit status on my account not held long along with my father account who has recently passes XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX . Through out the years evolve has reported a auto loan that is repossessed with balance owed then balance at XXXX then months later the same amounts on my fathers account lusted as certificates of deposits left to mother XXXX XXXX the executor of estate in probate court XXXX XXXX of XXXX XXXX Texas. Recent closure request XX/XX/XXXX with check in amount if XXXX. And in XXXX for record keeping and tax purposed I requested a print out of my fathers closed account ( what should have been closed completely ) for XXXX and discovered transactions ranging from XXXX  transfers in and out act. XXXX after XX/XX/XXXX and up to XX/XX/XXXX which is odd as XXXX XXXX XXXX was notified of passing XX/XX/XXXX and act was frozen until death cert was received and delayed due to XXXX XXXX. Over or about XXXX. Unaccounted for and also important recent discovery of main branch -XXXX branch manager XXXX XXXX XXXX mother of an individual XXXX XXXX who has pending charges from the state of Texas , XXXX XXXX XXXX for felony assault with major bodily harm XX/XX/XXXX and victim is me XXXX XXXX XXXX XXXX To note I have discovered that Mrs. XXXX has made several false credit inquiries on my and fathers credit report and what seems to me as XXXX  or XXXX XXXX XXXX or bank issued instruments via and through my and fathers account. To date we have received no response from evolve and after several attempts to contact am concerned that one same individual " XXXX '' answered the line and refuses to transfer my call to executive management even after severity of complaint with no resolution to date or correspondence.
Consumer complaint received 2021-06-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TSALTA FINANCIAL COMPANY, LLC (MD)

I was a victim of identity theft. This account is not mine nor it was authorized by me. I don't know who did this to me. 
I'm trying to get control of my credit so please investigate this.
Consumer complaint received 2018-10-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Home Point Financial Corporation (IL)

My mortgage was transferred to HomePoint Financial ( which identifies as a debt collection agency ) in XX/XX/2018. I called them and was told that they would reconcile my last payment with my previous lender, and there would be no issues for 90 days. In XX/XX/XXXX, I began receiving daily calls identifying a missed payment. I have provided evidence of all my timely payments to them, via email, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX after lengthy calls with their representatives. I have evidence that a monthly payment that was received and deposited, and have provided evidence of checks that have cleared. I have also provided a spreadsheet of my payments. 

Their response to my evidence is to provide a listing of payments that match neither the actual amount paid nor the timing of the payment. Please see the attachments below for detailed evidence. 

HomePoint Financial has been terrible to work with. You can never speak with the same representative, no one can tell you if your issue is resolved, and it is now three months of frustration. They are asking for late fees when none are due. I am worried about my credit.
Consumer complaint received 2020-12-03
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: EQUIFAX, INC. (CA)

I am a victim of identity theft and i was trying to refinance my car on XX/XX/XXXX at XXXX XXXX XXXX, but I was declined because there is two ( U.S. DEPARTMENT OF EDUCATION XXXX XXXX accounts reporting badly on my credit report that do not belong to me. I was unaware of these accounts until XX/XX/XXXX because I never applied for these loans. My personal information Driver 's license and Social security card among other personal belongings was stolen from my home on XX/XX/XXXX, which a police report was made from that incident. Someone opened these accounts under my name and personal information without my consent or authorization. I filed a police report for this identity theft with XXXX XXXX XXXX XXXX as its an ongoing investigation, no arrest have been made yet. I never received any money, goods, or services from these accounts and I need these accounts blocked from my credit as they are a direct result of identity theft. All my statements are true and correct to the best of my knowledge.
Consumer complaint received 2020-12-03
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft and i was trying to refinance my car on XX/XX/XXXX at XXXX XXXX XXXX, but I was declined because there is two ( XXXX XXXX XXXX XXXX XXXX ) accounts reporting badly on my credit report that do not belong to me. I was unaware of these accounts until XX/XX/XXXX because I never applied for these loans. My personal information Driver 's license and Social security card among other personal belongings was stolen from my home on XX/XX/XXXX, which a police report was made from that incident. Someone opened these accounts under my name and personal information without my consent or authorization. I filed a police report for this identity theft with XXXX XXXX XXXX XXXX as its an ongoing investigation, no arrest have been made yet. I never received any money, goods, or services from these accounts and I need these accounts blocked from my credit as they are a direct result of identity theft. All my statements are true and correct to the best of my knowledge.
Consumer complaint received 2021-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2021, an electronic payment in the amount {$1000.00} was made from my Capital One Business Checking Account in the amount of {$1000.00} to my Spark Capital One Business Credit Card, which was received and noted. On XX/XX/2021, Capital One Bank decided to appartently mail a check in the amount of {$1000.00} to the Spark Credit Card again. There wasn't enought funds in the account to cover, which in turn I was charged a {$35.00} bank fee. A few hour later I had direct deposits of {$600.00}, {$240.00}, {$100.00} and {$80.00}, which Capital One took immediately to cover the funds that weren't there when they put the payment through for the second time. I have contacted the credit card company for the past three days and have been advised that they never received any second payment of {$1000.00}, which the attached statement shows. I have called Capital One Bank for the past three days and received three different answers. I spoke to XXXX today at Capital One Bank who advised me that he has no idea where my money went and can't explain what happened. Not a good enough answer.
Consumer complaint received 2023-03-21
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: Grant & Weber (NC)

I sent a debt validation letter on the following date XX/XX/22 In relation to an {$850.00} account and this company has failed to validate my debt within the allotted time frame of 30 day from receipt of this Letter. Or remove this invalidated debt from collections.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONS DIRECT MORTGAGE, LLC (CA)

I have been disputing the lates on my mortgage account with Nations Direct since XX/XX/XXXX which was when I noticed the negative credit reporting. 

I was marked 30 days late on XXXX, XXXX and XX/XX/XXXX when I was in an active, approved Forbearance plan which they have clear records of. I have notified them of this and they stated XX/XX/XXXX that they would be requesting the removal of these lates and nothing has been done. 

On XXXX and XX/XX/XXXX I was also marked 30 days late for both months and both payments were NOT 30 days. 
XXXX was received on XX/XX/XXXX and XXXX was received XX/XX/XXXX. My due date is the XXXX of the month and I have up to the XXXX of the month to make the payment without negative credit reporting. 

Because of the numerous FCRA and FDCPA violations I would like this account completely removed from my credit or for these lates to be removed before I pursue legal actions.
Consumer complaint received 2021-10-12
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: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (TX)

Company called EOS CCA XXXX XXXX XXXX XXXX, MA attempting to collect debt that is not mine. They reported to XXXX  and dispute was denied by XXXX. I have never lived near the address recorded for service for the XXXX XXXX account. I have an excellent credit history. Common sense would prove that this debt is not mine. 
Turned over to collection on XX/XX/21 and I have never received one notice from XXXX XXXX  or XXXX  or this collection company. Was found on XXXX  credit check. They refuse to remove my responsibility for this identity theft. It appears that EOC is simply attempting to force consumers to pay fraudulent bills to retain credit scores. Thank you for your assistance.
Consumer complaint received 2021-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

XXXX XXXX Specialized Loan Servicing loan # XXXX I pay the Homeowners Insurance ( XXXX XXXX  ) myself. I have supplied proof of policy and payment. The mortgage servicer refuses to refund amount impounded to escrow for insurance. 

All the Best, XXXX