davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

Hello my name is XXXX XXXX, I have XXXX private student loans that sum the total of {$61000.00}, I usually pay {$390.00} monthly and its a lot of money for me since I 'm the only one who brings money to my house. Yesterday I was scheduling a payment and I noticed that they increased my monthly payment to {$400.00}, I called them and they say that they increase the interest rate just because. It 's this even legal??? Please help me out, I 'm not trying to forget my loan I really want to honor this debt, but I do not know what else to do. This is my information below.
Consumer complaint received 2020-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit Corporation (IL)

Hello, Nation Wide Credit Co has made a fraudulent credit reporting on my credit report thereby damaging my credit score and access to credit. The accounts that were reported under my name to the credit bureaus do not belong to me. I have NO KNOWLEDGE NOR I HAVE EVER RECEIVED ANY SERVICES mentioned on the debt. I have attached three pictures of the debt accounts. 

These accounts were reported to credit bureaus on XX/XX/XXXX but the company did put negative remarks on my report going as far back as XXXX thereby immensely damaging my credit rating and score.
Consumer complaint received 2017-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

A ) I Have been working with Wells Fargo with a Loan Modification since XX/XX/XXXX. I have request a XXXX Speaker to help me in the process but Wells Fargo have not provide any one to help me in my Native language. 
A ) I have transfer for one to another different agent ( 8 in Total ) in this process. 
I have to explain and start all over again. 
Guaranteed single point of contact : Homeowners are guaranteed a single point of contact as they navigate the system and try to keep their homes - a person or team at the bank who knows the facts of their case, has their paperwork and can get them a decision about their application for a loan modification. 

B ) The last documentation I have from Wells Fargo it was printing on XX/XX/XXXX at Wells fargo Facility. I did received on XX/XX/XXXX. 
Wells Fargo send me a letter printing on XX/XX/XXXX that according California Civil Code & 2923.55 ( f ) Thirty ( 30 ) Days, or more, have passed. 
This is statement is False. Even today have not pass ( Day of complain ) Thirty ( 30 ) days at all. 
C ) Right now I am in a Loan Modification with Wells Fargo because my financial situation have been change for good since XX/XX/XXXX. 
Wells fargo is violate the California Homeowners Bill of Right : " Restriction on dual track foreclosure : Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed ''. 
On XX/XX/XXXX I start the training for my new job. 
I did call Wells Fargo to tell that I have a new job ( Full-Time ) starring on XX/XX/XXXX and that I have rent one of the rooms in my house. 
On XX/XX/XXXX I call Wells Fargo to update my situation ( Financial ) and I request a Loan Modification. 
XX/XX/XXXX I call and request a Loan Modification again. 
XX/XX/XXXX I Call and request a Loan Modification again. 
On XX/XX/XXXX I call and request a Loan Modification again, this time they allow me to start the process. 
Right now I am in a Loan Modification with Wells Fargo but at the same time I am in Foreclosure active status that is illegal in California.
Consumer complaint received 2015-10-20
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

In this case discovery was never completed, conditioned presedence was never met, no testimony given, no witnesses to alledge factsgiven under oath, statements presented was based on heresay.However on the forth hearing opposing counsel prensented a note with brite blue signitures and the Judge asked me was that my signiture, as I was replying that it looked like my signature opposing counsel interrupted and said `even he admits it your honor`, my finish statement was your honor they can put your signiture on anything. 
Next the Judge said if either party would like to send me any additional information before I make decision you have eight days to do so. 
Below is the additional information I sent to the Judge however I do not believe he got an opputunity to read it prior rendering a decision. 


IN THE SUPERIOR COURT OF CONNECTICUTJ.D OF XXXXBANK OF AMERICA. N.A. 
PLAINTIFFv. DOCKET NO : XXXX ANDDEFENDANTSXXXX/XX/XX/XXXXMy name is XXXX XXXX XXXX XXXX After losing my job of 28 years I finally found a lower paying job and tried to get a modification but did not qualify. However, in the process I found many inconsistencies in the information that Bank of America provided. On XXXX I sent a dispute letter asking for validation of the debt. I never received a validation from Bank of America. 
On XX/XX/XXXX, two months later after they received my dispute letter a law suit was initiated, DOC # XXXX. Thereby, not conforming to " conditions precedence '', I have received separate statements from Bank of America in which they stated that they were the creditor, the debt collector and the servicer. 
I also received printout records that evidenced that the debt was purchased while the account was in default which is a violation of FDCPA XXXX XXXX XXXX. 
According to XXXX I.D Min # XXXX XXXX it states that Bank of America is the servicer and XXXX XXXX is the investor, which shows that Bank of America is in violation of the FDCPA 15 USC 1692 E. 
They have failed to show information proving verification. The assignment given as proof of their ownership is riddle with names which have been shown to be ROB0 signers. XXXX XXXX, XXXX XXXX, XXXX XXXX, they have been publicly verified as ROBO signers. As this information has been submitted to the court evidencing XXXX distinctly different signatures for each name. Therefore, this unknown debt collector refuse to make full disclosure of information requested through discovery! 
It is my belief that all such information was fraudulently produced. Such fraudulent behavior has already been ruled Res judacata by the Consumer Financial Protection Bureau. ( CFPB ) I am exercising my private right of action in accord with the Supreme Court ruling of XXXX vs Countrywide, and thus rescinding with damages because of such attempts to defraud! 
XXXX
Consumer complaint received 2018-03-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST (FL)

I have a Boat Loan with " Bank of the West '' .I have consistently paid my payments online, electronically through XXXX XXXX XXXX  since XX/XX/XXXX. I have never changed the method or the account from which I pay my monthly loan amount. In XXXX of XXXX they misapplied my scheduled monthly payment as additional principal. After weeks of threatening phone calls from them and collection letters they acknowledged their mistake. They advised it could take 10 days for them to clear up the mistake and in order for me to avoid them adversely reporting to the credit bureau I was advised to by them to make an extra payment. To avoid the hassles of clearing up the credit report dispute with them i made the extra payment and after they cleared up their mistake, they applied it to the following month. 

In XXXX of XXXX, I made my monthly payment as I always do, electonically through XXXX XXXX XXXX  to Bank of the West. This time, instead of misapplying my payment, they claim to have never received it. I have received threatening phone calls daily and I am now receiving mail. I always answer their calls and/or return their calls promptly. I have disputed their claim. I have provided them with a " Tracer '' number from XXXX XXXX. I have confirmed with XXXX XXXX that the payment was received by them and I continue to be threatened by them. 

The claims department from Bank of the West refuses to contact me and all my calls are intercepted by customer service who refuses to allow me to speak with anyone that can actually research the tracer number I am providing. All they do is state they will add my comment to their notes and someone will follow up. I never receive any follow up, just another collection call the following day.
Consumer complaint received 2016-09-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has not provided me with a written determination of appeal from their Appeals Department for the XXXX 2012 MHA HAMP timely appeal request. Bank of America has only informed me unofficially of their claim of a determination over the telephone, but have refused to provide the Bank of America Appeals Department determination to date. 
While I am in possession of Bank of America internal Appeal Report document and documentation issued by the Bank of America Appeals Department and uploaded to the borrower Home Loan Modification Status iportal, this does not satisfy the requirement set forth in Regulation X and California Civil Code 2920 - 2944.10.
Consumer complaint received 2015-04-16
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: FC HoldCo LLC (CT)

The loan company, Flagship Credit Acceptance, has been asked in writing more than XXXX, and on the phone more than XXXX to cease from calling me at my place of employment as it is not allowed. 
They continue to ignore this request/demand and have called here again today, giving XXXX of my co-workers a snide attitude. 
I have asked them in writing to stop harassing my friends and family members as well to no avail. After a certain amount of tie goes by, they seem to feel justified to call my work and other contacts. 
This loan is up to date and the payment they are starting to harass me over is only a few days late. 
I have had enough with this company 's bad business practices and judging from other complaints I have read, I am not alone.
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I first Disputed item " XXXX XXXX XXXX Acct # XXXX '' on my Transunion report in XX/XX/XXXX, and it came back verified. I disputed again on XX/XX/XXXX, and once again it came back verified. I called Transunion on XXXX XXXX XXXX informing them that I had a signed letter from the President of the alleged Original Creditor denying any record of me or my account. but Transunion ignored me apparently, so I have sent them another dispute with copies of the letter. 

Please see attached signed USPS certified mail letter from the President of the alleged Original Creditor, XXXX XXXX at XXXX, stating neither they nor their Collection Agency XXXX have any record of me or this alleged account. 

Attached is also proof that XXXX of XXXX and XXXX XXXX XXXX XXXX are the same company. 

Under the laws of the FDCPA, I also have contacted " XXXX XXXX XXXX '' to request validation, and they have failed to respond to my request, so they can not have verified this account with Transunion. 

I am not sure what more proof they want aside from a signed letter from the President of the Company, at this point they are willfully and negligently misreporting. 

Please find all relevant documents and Certified Mail receipts attached. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX
Consumer complaint received 2015-03-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Recovery Corporation (TN)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-22
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I applied for an auto loan when the 2016 model trucks came out from USAA Bank. Sent in all financial information and was not granted loan. Turned down flat. I believe it is due to my XXXX. Cleary there is enough cash flow in my personal tax returns when a skilled agent or licensed agent evaluates the available cash flow.
Consumer complaint received 2016-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (MA)

I keep contacting you regarding fraudulent activity through my XXXX credit card. In the fall someone managed to change my address to XXXX Florida while trying to steal my identity and this card. I have spoken to the credit card company on XXXX XXXX, 2016 as they kept reporting this address as my new one even though they are the ones who notified me there was a problem with my account. They canceled my card & issued a new XXXX. They have supposedly updated it in their system and were supposed to fix it with the credit bureaus, yet it keeps appearing on my credit report, especially on EQUIFAX. Please correct this!!
Consumer complaint received 2016-10-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DC)

I paid a debt. The judge marked fileit as PAID. Plaintiff requests XXXX XXXX. I filed response. XXXX attached my filings and motions and cross complaint/counter suit. 

The false statements and representations were made in the XXXX and the stipulation of settlement agreement. 

XXXX asked XXXX XXXX and I to engage in mediation. Contract was created to begin repaying the reduced debt. XXXX payment given in advance of start date with clear instructions based on start date stated in contract starting the debt repayment. to Attorney after getting a contract inked up for a start date of XX/XX/2016 for XXXX payment. Attorney goes against agreed start date for XXXX repayment and inception
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC (CA)

XXXX XXXX Vervent inc. have been willfully and unlawfully violating my rights as a consumer and I have proof. XXXX XXXX / Vervent have been attempting to collect a debt and reporting negatively on a closed account that was previously deleted off of my credit report. Somehow without my consent XXXX XXXX Vervent and XXXX reopen a closed account and Negatively impacted my credit profile, bringing harm/ pain and suffering to my/ family 's livelihood. 

In a previous complaint back in 2021, XXXX XXXX Vervent resume responsibility of my presumption calling it an " oversight '' ( please see attached letter as proof where they admitted to me closing the account and them ( XXXX XXXX  ) continued to bill my authorized cardholder 's account, which is illegal ). please see pictures as proof of deletion after the first complaint. This is Fraud and against the Law Pursuant to 15 usc 1692 and many more.
Consumer complaint received 2021-03-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

XX/XX/2020 several charges on my checking account for a XXXX XXXX i immediately called the bank informing them of fraud charges on my account, in the amount of {$600.00} I NEVER authorized a XXXX anything. the bank was notified several times by myself that my identify was stolen. i immediately went to the police dept to file a complaint with them regarding my checking account and also it was discovered that 3 store credit cards were opened in my name along with a loan thru a company called " XXXX '' i had notified all 3 credit agencies my credit was frozen for 7 years, XX/XX/XXXX i received a letter from td bank saying that the charges were valid. several XXXX charges within minutes at different locations in another state. on XX/XX/XXXX went went into my account and charged me the {$600.00} and no they are hitting me with over draft fees, i was informed today by TD Bank that there was nothing they can do> This identity theft has been an absolute nightmare and i have supplied td bank with the police report, proof my credit was locked for 7 years to do identiy theft, i have filed also with identity theft.gov. I deo not understand why my bank is doing this. also the detective has reached out to them
Consumer complaint received 2016-08-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: MarkOne Holdings, LLC (NC)

MarkOne Financial company continues to report inaccurate information on my credit report. They are reporting a repossession but after several attempts MarkOne Financial have failed to show me any written documentation of a signed agreement/contract with my signature, right to collect in my state, and documentation of balances and how they were calculated. I have been a victim of fraud and have expressed this to them several times in writing and they are still refusing to remove this inaccurate account from my credit report. This is my last step before I have to move forward with litigation.
Consumer complaint received 2022-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions.
Consumer complaint received 2022-02-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2022-02-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: World Acceptance Corporation (TX)

Company gives you the impression youre getting an unsecured personal loan when in reality is a secured loan, secured by fictitious goods made-up by the underwriter. Without your consent they add collateral items such as electronics to the contract that you have never told them you own, they do all this without consulting you and rush to sign the documents and tell you nothing about what theyre doing. It wasnt until after I signed that I read my contract in full and found this information.
Consumer complaint received 2023-03-19
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: Experian Information Solutions Inc. (NC)

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OK)

I contacted Navient on XX/XX/2022 and informed them of the Sweet vs Cardona case and that the U.S. dep Of Ed is no longer pursuing payment of my loans. However Navient continues to charge me for me past ffelp loans. I also fall under automatic loan forgivness due to this case. Also the charges that was brought upon Navient. My loans should be forgiven since they are over 20 years old! Navient should have sent me a XXXX dollar check and did not. They also directed me into unforgiving forbearance and fraudulent loan repayment programs which all money and interest should be paid back to me under the Navient law suit.