davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Everest Receivable Services Inc. (AZ)

I kept receiving calls from everest receivable Stating I owe them for a credit card that was removed from my credit report. They stated that I still owe {$3000.00} and some to them. In requested for the original paperwork from XXXX and they told me I had To contact XXXX directly to get original paperwork that was signed off to Everest receivable. I then told them that I was looking to buy a car in the next year and they suggested that they arent saying it will be reported to my credit report but without a payment plan set they cant guarantee they wont report it.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: N.A.R., Inc. (UT)

North American Recovery is reporting a few accounts on my credit file that I do not owe. Also, they are double reporting the same debt with XXXX XXXX XXXX XXXX. This is a VIOLATION per the FCRA and two companies CAN NOT report the same debt on my credit file. These debts need to be removed off my credit file. 
Acct # 's - XXXX XXXX - XXXX XXXX
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AZ)

I have had a student loan with XXXX then and now Navient since XX/XX/XXXX, I am not sure what the original loan balance was but I want to say it was around {$40000.00}, apart from when I was in school and not paying them I have been paying my student loans since XX/XX/XXXX consistently, I have had a few months that I had a forbearance and now I am on an income driven plan which was supposed to help reduce my payment but it seems like around a {$9000.00} decrease in almost 13 years does n't make much sense, going at this rate it would take almost 60 years to pay off a {$40000.00} loan, even a house loan only lasts 30 years, this is insane and part of the problems with student loans and the loan debt, I think it 's funny how now the lawsuits are coming up against Navient and I think I am a prime example of their lies and deceitful business
Consumer complaint received 2022-06-25
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. (FL)

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00}
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I was charged a late fee for " nonpayment '' of a {$0.00} ( XXXX ) dollar bill due on XX/XX/2020. 

My monthly payment occurs on the XXXX, and I have autopay set up. On XX/XX/2020 a " Late fee for payment due '' of {$25.00} was charged against my account. 

I have attempted to contact BofA, but they have no way to contact them reasonably. There is no way to contact them online while logged into my online banking account, they do not have chat, they do not respond to twitter, and the phone lines were projecting almost 2 hours of hold time.
Consumer complaint received 2020-04-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc. (GA)

According to the fair debt collection practice act you have thirty days after receiving a collection notice that I received on XX/XX/2020 to write for validation of mail i sent certified letter on XX/XX/2020 swrs collection agency did not validate debt and put the debt on my credit report unverified this is violation of federal law and must be immediately removed from my credit report.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX  XXXX XXXX XXXX is reporting an outrageous & erroneous debt on my credit file that I do not owe. This debt was {$300.00} and now it's reporting a debt of almost {$6000.00}. This is erroneous! I don't understand where this balance came from and it needs to be removed off my credit report. I do not owe this debt and I will be seeking an attorney if this is not fixed.
Consumer complaint received 2022-01-05
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. (TX)

I am filing this complaint because EQUIFAX, XXXX and XXXX have ignored my request to provide me with the documents that their companies have on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Consumer complaint received 2017-01-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (NY)

PayPal Holdings Inc. has suspended my account without giving previous warning, nor have the given justification. They have tied up {$1800.00} in funds and are threatening to not release those funds for 180 days. There is no way to contact them over the phone in regards to this matter to get this sorted. I would also like to point out that, at this time, there is a large settlement made in a case exactly like this one. While I 'm sure the settlement places no fault on Paypal, the rationale behind paying out a large settlement is a pretty good indicator of the vague legality of this practice.
Consumer complaint received 2015-11-12
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (PA)

Chase Bank raised the interest rates on my Chase XXXX Credit card, my Chase Slate Card, my XXXX XXXX XXXX Card from the current 19.24 % to 24.99 % for cash advances. this represents a 29.89 % increase. Chase also raised the Balance Transfer fee from 3 % to 5 %, which represents a 66.7 %. This is outrageous and I believe it enables them to act like loan sharks. They have also raised their late payment and return payment fees exorbitantly.
Consumer complaint received 2020-04-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

Due to the COVID-19 the federal government sent provisions to mortgage companies to help customers who can not afford their mortgages. My mortgage company is asking me to pay over XXXX dollars in three months that is setting me up for failure. I believe the payment supposed to be deferred and they are refusing send the payments at the end the mortgage term. Company name is XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2016-07-10
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (MD)

I was unemployed twice, once in XXXX and once in XXXX. I am employed now, but have crazy daycare expenses as I am a lone parent with only {$XXXX} of monthly child support. After mortgage, childcare, transport, food, and child related costs ( clothes for eg. ), there is very little left. I have written, called, provided documentation, even copying the White House, to propose an amount I can afford. and I get met with bureaucratic resistance from AES. XXXX has extended a forbearance to give me time until my son is in XXXX. AES wo n't even respond.
Consumer complaint received 2017-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC (PA)

Planet Home Lending has my mother 's mortgage. Tried to get help with modify the high mortgage rate. Spoke to a lady back in XX/XX/XXXX who was suppose to send out paper work. Called back in XX/XX/XXXX to follow up. They said there was none thing than can do. Spoke to a man who was a supervisor who mention that they could lower payment by {$70.00}, than back off his statement. Service was very rude.
Consumer complaint received 2023-01-12
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC (AZ)

I've attached the required documentation giving you permission to speak with me. My client died intestate in XX/XX/2022. XXXX XXXX was in probate court and finally received the appointment as her personal representative on XX/XX/2022. During this time, CELINK initiated foreclosure proceedings in XX/XX/2022. We notified Celink throughout the probate process. Documentation was submitted showing the XXXX had been appointed as the personal representative. We listed the home right away. Celink still foreclosed on the home. This was a reverse mortgage. My client put down {$170000.00} and had not owned the home for even a XXXX before she passed away. A real estate investor purchased the home at the foreclosure sale. My client worked hard for her money and due to Celink, her family 's inheritance and equity in her home was transferred to a real estate investor. There was no reason for Celink to foreclose so quickly. This was in probate court and the house was listed on the market once her XXXX received the authorization to sell the home.
Consumer complaint received 2020-04-22
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)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFOMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-04-22
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)

XXXX XXXX XXXX is reporting an unpaid collection account for {$1500.00} on my personal credit report. I contacted them to inquire about the debt and was informed that the charges are somehow related to an apartment rented by my ex-boyfriend, XXXX XXXX XXXX. 

During my conversation with the agent, which would certainly be considered a " communication '' as defined under the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX XXXX, I was not given the mini-Miranda as required by the Act. I explained to the agent that I temporarily resided at this apartment with my then boyfriend, but that I had no contractual obligation under the lease. However, the agent refused to accept my dispute for investigation. I then requested validation of the debt ; asking that they provide me with an itemization of the balance being charged and some sort of documentation showing my own contractual liability, such as my signature on the lease. The agent refused to honor my request, told me to call back when I was " ready to pay '' and hung up on me. I've sent a written request for this same validation yet they have continuously refused to provide it, in violation of 15 USC 1692g 809. 

Further, their refusal to adequately investigate my dispute, while continuing to adversely report it to the credit reporting agencies, is a blatant violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 and its subsequent amendment, the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ). Under these Acts, I have the right to dispute inaccurate information and the data furnisher has an obligation to investigate that dispute. Inaccurate or unverifiable information must be corrected or deleted by the furnisher. XXXX XXXX XXXX continues to refuse me these rights as required by law. 

This is not my debt. This apartment was rented strictly in the name of my ex-boyfriend, XXXX XXXX XXXX. I never signed any lease for this apartment and have no contractual obligation for this debt if it is even legitimately owed ; which still has yet to be determined. 

My attempts to correct XXXX XXXX XXXX records and restore my credit with regard to this item have been in vain. Research on this collection agency shows that they are not an active member of XXXX XXXX, nor an accredited business with the XXXX, and that their standard XXXX complaint responses are both dismissive and uncooperative ... so I guess my failed attempts are not surprising. I have also attempted to remedy the situation by filing indirect disputes directly with the credit reporting agencies, themselves. However, XXXX XXXX continues to verify the information as accurately reported without conducting a proper investigation. 

My hope is that the CFPB can assist in getting this resolved before I'm forced to engage legal counsel and pursue this matter through litigation.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: KEYCORP (CA)

On XX/XX/2020 I patronized a XXXX property that utilizes XXXX XXXX XXXX as a payment processor. I noticed that the merchant charged {$550.00} for charges that were already pending from XX/XX/XXXX. The merchant indicated that the charge could not be voided because it was transacted on XX/XX/2020 unbeknownst to me. There are pending authorizations from XX/XX/XXXX that have not cleared the account. I asked the merchant if these were finalized and the manager indicated that he had no way of knowing if they were and also that XXXX XXXX services refused to remove authorizations despite the merchant being paid. This has been a constant issue. There is another authorization that is currently pending from XXXX XXXX XXXX XXXX XXXX in the amount o f {$150.00} from XX/XX/2020 resulting in a hardship for my family during the pandemic. I ask that the Federal Reserve and other regulatory authorities look into these procedures, because this seems to be an issue with batch processing of transactions. The merchant in essence has created a new charge and been paid for it while having authorizations pending on a consumer 's account. The total pending authorizations are well over 20 days and total {$930.00}. Please review this as soon as possible as this a situation that can be concluded quickly. Thank yo u for your assistance.
Consumer complaint received 2020-04-22
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: Experian Information Solutions Inc. (GA)

XXXX has ran hard inquiries on me without my consent, I did not give them a release to do so. I have contacted them several times about removing the information and it is still on my report.
Consumer complaint received 2022-06-25
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. (SC)

In accordance with fair credit reporting act convergent account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Balance {$2900.00} Highest Balance {$2900.00} Opened XXXX. XXXX, XXXX  ( XXXX yr, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Collection account Original Creditor Name No Info Closed No Info
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all ftc violations XX/XX/XXXX - In XXXX of XXXX, XXXX announced a data breach that exposed the personal information of 147 million people. The company has
Consumer complaint received 2020-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

My servicer, Loan Care, claims they have not received my XXXX payment. I sent them a letter and also attached bank statement showing the funds leaving my account. The letter was sent XX/XX/2020 and I have yet to hear anything from them. See letter below. 

XX/XX/2020 To whom it may concern, RE : Loan Number XXXX When I received my XX/XX/2020 mortgage statement the payment due did not deduct the payment that left my XXXX account on XX/XX/2020. When I called the servicer on the phone on XX/XX/2020 they said they never received that payment and that I should make a payment over the phone to avoid being reported to the credit agencies so I made a telephone payment for {$2500.00}. I would like the 3 payments that I made below all applied to my outstanding mortgage. 
XX/XX/2020 for XX/XX/XXXX - {$2500.00} XX/XX/2020 telephone pmt in order to avoid credit score problems - {$2500.00} XX/XX/2020 for XX/XX/XXXX - {$2500.00} I would like the extra payment I made over the telephone to be returned to me at my address below. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email XXXX Cell Phone XXXX
Consumer complaint received 2020-04-22
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: Experian Information Solutions Inc. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX
Consumer complaint received 2020-04-22
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. (TX)

FTC VIOLATONS ATTACHED AND CASE PERTAINING TO MY CASE The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 

XX/XX/XXXX - In XXXX of XXXX, XXXX announced a data breach that exposed the personal information of XXXX million people. The company has SOME ARE HIPPA VIOLATIONS
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX sold my loan and it is showing on my report that it is an open loan I have contacted them twice to remove it and they have not. It is stopping me from trying to refinance