davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio Recovery Associates XXXX has been leaving intimidating messages and has continued to mail treatening letters in an attempt to pursue a debt that is over, get this XXXX years old! 

The debt was jointly incurred in a marriage that no longer exists. The marriage was dissolved in the XXXX XXXX XXXX, State of New Jersey on XXXX XXXX, 2001. 

The statue of limitations on civil matters is two years. The statue of limotationa on bankruptcy is seven. Had I declared bankruptcy this debt would have formally been discharged. 

Yet Portfolio Recovery Associates is making a living out of these Zombie debts. What manner of human being would consider pursuimg a matter for this length of time. It is my contention that it constitutes harassment and since it was a debt incurred in a partnership that no longer exists, they have no legal standing. We will forget about the ethical standing of pursuimg a XXXX year old debt.
Consumer complaint received 2023-03-28
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope these disputed accounts are updated. XXXX XXXX Balance Owed : {$12000.00} this is my follow-up letter to fix the account
Consumer complaint received 2016-09-24
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Nelnet, Inc. (TX)

On XXXX XXXX, 2016, my attorney-counsel representing me, wrote a letter to Firstmark Services in response to the debt collection letter I received. The letter was a cease and desist and debt verification notice. Firstmark responded to my attorney 's request as invalid because the request was not signed by me directly. Firstmark completely disregarded my cease and desist letter my attorney had written on my behalf. Firstmark continued to send collection notices for 2 months and called my husband 's cell number. They also made 2 derogatory marks on my XXXX credit report for the same account for being 60 days late ( according to XXXX by XXXX XXXX ) on XXXX XXXX, XXXX Under my rights as a consumer, I have a right for this debt to be verified by Firstmark. They completely made excuses stating that my attorney 's letter is invalid. They continued to pursue the debt and report this debt negatively on my account, despite not having verified the debt initially with me.
Consumer complaint received 2023-03-28
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: World Acceptance Corporation (GA)

I have filed 3 separate disputes with XXXX, XXXX, and XXXX in order to have inaccurate information removed from my credit file. The first dispute was filed on XXXX XXXX. XXXX, but I have not received a response from the credit bureaus. I'm hoping that CFPB can help me with this issue.
Consumer complaint received 2021-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (VA)

This is the second time that this account has been turned over to the same debt collector. Initially this account was disputed via the CFPB website and it was at that time closed by the debt collector after the complaint. I received a letter from the debt collector advising that the account was closed and that all credit reporting agencies would be advised to delete the account. 

I received notification on XXXX2021 that the account was back on my credit report again. I am disputing this as I am making payments to the original creditor for this account and can provide a payment history to validate this. I have included the letter from the debt collector that advises the account is closed, along with a screenshot of my most recent payment to the original creditor, which actually occurred on XXXX.2021.
Consumer complaint received 2015-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

A package was submitted for a loan modification with XXXX XXXX Loans, XXXX XXXX, 2015. An modification offer was received from XXXX XXXX XXXX, 2015. The documents were signed and returned to XXXX as requested. The loan was transferred to Select Portfolio Services ( SPS ) XXXX 2015. Select Portfolio says that they will not honor the agreement because it was not signed. XXXX says they received the signed documents but did not have time to process and execute because the loan had to be turned over to SPS. Select Portfolio Services now has the loan in default and says it has to be cured by XXXX XXXX, 2015 or foreclosure proceedings will begin. We do not have {$4500.00} that they are requesting to stop the foreclosure action.. We have made on time monthly payments as per the agreement signed with XXXX. All we are asking is that SPS honor the agreement from XXXX XXXX Loans. Select Portfolio says they need to get a copy of the signed agreement from XXXX. We want to save our home. Please help!
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/24 I purchased air fryer basket on XXXX charging {$11.00} to bank debit card ending in XXXX. Seller never shipped, so on XX/XX/24 I filed bank dispute # XXXX with fax proving dispute should be closed in my favor with refund. Today XX/XX/24 phone rep, refused to transfer to supervisor to process any offer of hardship credit implying bias relationship with seller. An illusion of consumer protection is just that, an illusion.
Consumer complaint received 2017-01-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (WA)

My mother died XX/XX/XXXX and I am a XXXX % beneficiary of her IRA. I wish to transfer this account from Wilmington Trust to XXXX XXXX. I initiated this transfer XX/XX/XXXX and six weeks later the assets have still not been released by Wilmington Trust.
Consumer complaint received 2015-04-13
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: McCalla Raymer Leibert Pierce, LLC (GA)

Homeowner received letter of collection from MCCALLA RAYMER LLC. The letter advised unless there is dispute the validity of the debt or any portion, there was thirty days to respond which HOMEOWNER requested validation of debt with cease / desist response. MCCALLA RAYMER LLC XXXX XXXX XXXX XXXX statedMcCalla Raymer LLC does n't have to respond and will not respond. Then XXXX XXXX stated the information was sent to XXXX XXXX Bank, you can ask them for the papers. 
XXXX XXXX Bank XXXX XXXX XXXX preservation XXXX stated XXXX XXXX Bank had not received any information from attorney McCALLA Raymer LLC. XXXX XXXX Bank informed XXXX XXXX informed HOMEOWNER, he needed to call McCalla Raymer LLC. 
The XXXX Georgia Community Organization OCCUPY OUR HOMES XXXX reported McCalla Raymer, LLC XXXX XXXX Bank Mortgage/Attorney McCalla Raymer XXXX XXXX XXXX XXXX XXXX Georgia XXXX contact : XXXXMcCalla Raymer has been instrumental in assisting banks in their effort to steal wealth from hard working Georgia residents. McCalla Raymer has excelled at putting people out of their homes and into the street. 
McCalla Raymer for going the extra mile to swiftly remove people from their homes so that banks can claim massive inventories of vacant homes, collect insurance, and then sell homes to private equity firms at record rates.McCalla Raymer also played a key role in the robo-signing scandal. In fact many fraudulent robo-signed signatures were signed by McCalla Raymer personnel. Robo signing may not have been possible without the tenacity of McCalla Raymer. McCalla Raymer has, and they certainly have profited greatly. HOMEOWNER asked MCCALLA RAYMER LLC Assistant Attorney XXXX XXXX XXXX XXXX about verification and XXXX stated what XXXX XXXX tell them is good enough for them. 
HOMEOWNER never did receive any verification from cease and desist letter submitted to Mccalla Raymer LLC attorney firm. 
On XXXX XXXX, 2013, XXXX XXXX XXXX XXXX/Attorney McCalla Raymer XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX REPORTED XXXX WAS HOLDER OF DEED AND PROMISSORY NOTE ON LISTED PROPERTY. XXXX XXXX XXXX MORTGAGE WAS SERVICER FOR XXXX XXXX XXXX. When HOMEOWNER reported that XXXX XXXX XXXX had reported not to be lender of deed. MCCALLA Raymer LLC RESPONDED WE JUST GO BY XXXX XXXX XXXX Bank tells us. which IS FORECLOSURING ON FOLKS ON HERESAY AND NOT INVESTIGATING FOR LEAGALITY .... 
MCCALLA RAYMER LLC XXXX XXXX XXXX XXXX statedMcCalla Raymer LLC does n't have to respond and will not respond. Then XXXX XXXX stated the information was sent to XXXX XXXX Bank, you can ask them for the papers. 
XXXX XXXX Bank XXXX XXXX XXXX preservation XXXX stated XXXX XXXX Bank had not received any information from attorney McCALLA Raymer LLC. XXXX XXXX informed XXXX XXXX XXXX, he needed to call McCalla Raymer LLC.
Consumer complaint received 2016-05-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A. (VA)

I continuously tried to explain to the representative that this was NOT my debt!! I also explained to them that I am in the process of getting a home loan and it is creating a problem for me to get my loan.. Due to the fact that it was stopping me from qualifying for my home loan I just decided to pay them.. But still acknowledging it was NOT my debt! But I needed to get this house for my family I just paid them to get this off of my report.
Consumer complaint received 2015-08-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Diversified Consultants, Inc. (NJ)

Unvalidated debt reported to credit bureausAfter reviewing my credit report I saw DIVERSIFIED reported an alleged debt without ever making contact with me. They illegally reported unvalidated debt on my credit report. This is a violation of FCRA and FDCPA regulations. If this illegal entry is not removed from all three reports I will take legal action. I do not have an account number as I have had no contact with trident. I do know the balance of the alleged debt is listed on my report as {$40.00} with a date of XXXX 2015 as the date placed for collection. - XXXX
Consumer complaint received 2022-09-05
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have repeatedly tried to have inaccurate information removed from my credit file. XXXX XXXX XXXX has repeatedly ignored my dispute of information being furnished to XXXX, XXXX, and Transunion. The three credit reporting agencies have all continued to report information that is inaccurate. The first dispute of inaccurate information was filled on XX/XX/2022. I received no response. I resubmitted in XXXX of XXXX, but still got no response. I don't know what else to do besides ask for CFPB to help resolve this matter.
Consumer complaint received 2016-03-04
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (CA)

Hi! I called Quicken Loans to get some rates for a home mortgage refinance. They quoted me some rates for the 20 year loan that I was looking for. I have been very clear that I was shopping around for rates. The rates they gave me were worse than what I was getting from another lender. Then I decide to proceed with another lender who run my credit report and I see in that report that Quicken Loans has run my credit without my authorization or giving them any documents. 

This has adversely impacted my credit score and increased the cost of my refinance mortgage by {$3000.00}. 

Two days later I get documents in mail from Quicken Loans asking me to sign on the documents to proceed. This is when I have not agreed to proceed with them on the loan even. 

Pls help. 

Thanks XXXX XXXX
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (CA)

In Accordance with The Fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 
I told the XXXX XXXX XXXX to reinvestigate these accounts : Account name : NAVY FEDERAL CREDIT UNION : Account # XXXX : Account name : NAVY FEDERAL CREDIT UNION : Account # XXXX : Account name : NAVY FEDERAL CREDIT UNION : Account # XXXX : Account name : NAVY FEDERAL CREDIT UNION : Account # XXXX : Account name : XXXX XXXX : Account # XXXX.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

To whom it may concern, I have been dealing with Navient since XX/XX/XXXX-XX/XX/XXXX. Since payments started after I was finished school, I have been in a constant battle with options of repayment. My father is my co-signer and has helped me as much as he could. With his income always fluctuating, repayments have been hard for us. Since XXXX years ago I have managed to find a financially stable job, but with {$36000.00} in student loan with Navient and XXXX it totals around $ XXXX monthly. XXXX has thankfully helped my father and I by letting us sent up an income based payment plan, but Navient has basically told us we have no option. In the last year my father and myself have made countless amounts of phone calls to Navient asking for help or trying to correct payment issues that the previous Navient representative did n't handle correctly. I called in XXXX day to Navient to beg if there is a way they can look into an option for my payments even if they helped me with {$20.00} a month. I was advised that due to my father being my co-signer we can make the full payments, I cant take him off as co-signer to go off of only my income, I have no other options unless I do not make at least XXXX months of to prove I can not afford full payment, or I can look into suspending payments for a month or XXXX and just add the interest into my payments. With no help for my payments I was finally able to have Navient set me up with breaking my full payment up into XXXX separate monthly payments, but also finding when I looked into my account I was being charged late fees. I tried to address with a representative about these late fees since I had set up a auto debit payment plan and they told me someone would have to check into my account to see if it could be taken off. On top of all the miscommunication of what my father would be advised of when calling in and what I would be told, this process has caused major strain in our lives. I am XXXX years old and I am not looking for my fathers help with any of my bills. That is not fair to him or my mother to be responsible for my student loans until I am in my XXXX 's. I noticed there is a potential lawsuit for Navient and I read what problems are causing this lawsuit to come about and my family and I are going through the same situation. If I did n't have the help of my fiancee there is no way I could ever move out of my parents house. I am in the process of trying to become a XXXX time home buyer, but taking into consideration of that I can afford with my student loan payments every month I am not much help to my fiancee. I dont feel that I should be stuck in this position and feel that it is unfair to my family and myself to find " help '' by not making payments to prove Navient 's payments are too much for me. I will not drain my credit down to seek help. 

Thank you.
Consumer complaint received 2015-09-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: TRANSWORLD SYSTEMS INC (IL)

I am a former student of XXXX Colleges and attended the XXXX campus. I was conned into taking out their so-called XXXX loans referred to as XXXX loans. The CFPB sued XXXX XXXX for XXXX XXXX dollars for illegal predatory lending. Unfortunately I was n't able to receive any relief from these predatory loans because my loans were sold before the lawsuit. This in my opinion is unfair, as I was still a victim of predatory lending, and it shouldnt matter whether or not these fraudulent loans were sold or not!! They are still fraud!!! Now they have been sold once again to UAS. I refuse to make any payments on these loans, and I disputed the validity of them with XXXX as well as the FTC. The loans have since been removed from my credit report. I received a notice in the mail on XXXX/XXXX/2015, stating if I didnt make a payment, i would be turned over to collections, and forced to pay all of the fraudulent loan plus fees. I am unemployed, I have no money, and I will not pay this fraudulent loan that I did n't get relief from. 
It should n't matter that these loans were sold prior to the lawsuit. What matters is, I AM A VICTIM OF PREDATORY LENDING!!! This company is getting away with fraud!! 
I want relief from these sickening loans!! I want this lending company to cease contact with me. They told me on a recorded line, that they had nothing to do with XXXX XXXX and they could do what ever they wanted. It is my understanding that they have to abide by the same rules as XXXX did, regarding the lawsuit.
Consumer complaint received 2022-09-05
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-03-28
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. (TX)

Transunion is reporting inaccurate late payments for account XXXX XXXX XXXX XXXX. I have tried to get the late payments removed far too long and I do not think an investigation was done because the creditor informed me that Transunion has not reached out for any information. Please see the attached dispute letter that was mailed to the credit reporting agencies on XX/XX/23 which is dated, and time stamped. Lastly, the credit bureaus are reporting inconsistent information which is clearly a violation of the FCRA. I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n if the incorrect late payments are not removed from my account.
Consumer complaint received 2016-01-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Auto Acceptance, LLC (MO)

As part of the application process for receiving the loan for my car, the dealer required me to provide references to be approved for the loan. I am currently behind on my payment due to an issue with my bank that I am trying to resolve. The lender is calling my references telling them directly that I am 13 days behind on my payment. They are also leaving harassing voicemails on my references ' voicemails. My reference have asked them to stop calling yet they continue to call almost daily.