davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Taurus Law Group, P.C. (OH)

This Taurus Law Group calls several times daily, not only me, but also family members of mine. The messages they leave say that there is an important message from Taurus Law Group and to contact XXXX XXXX ( not sure of name spelling ) at XXXX. The message sounds recorded and is exactly the same every time. They do not say who they are attempting to contact, but do say that they are a debt collector and that any information obtained will be used for that purpose. They have been asked to stop calling. I feel that they are implying legal action and by not identifying who they are attempting to contact, scare people into calling them back. This leads me to believe that if a family member does return the call that they would discuss any alleged debt with a third party in order to obtain information illegally.
Consumer complaint received 2017-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (CA)

After my XXXX in XX/XX/XXXX, I decided to go into a XXXX position that I am still working in. I was aware of the Public Loan Forgiveness program and inquired about the requirements. My loans are direct and eligible. I consolidated my loans in XX/XX/XXXX. I asked about whether this would change my eligibility and was assured that if I still made payments, I would be on track for the student loan forgiveness program. In XX/XX/XXXX, I decided to submit my application to see where I stood. I received a response back in XX/XX/XXXX stating that none of payments qualified. I contacted the FedLoan Services at XXXX XX/XX/XXXX to ask about this. They said it was because I consolidated my loan. They listed the eligible payment plans and said that I could pay a 10 year level payment plan and then be eligible. I stated that if I did that my entire loan would be paid off, so there would be nothing to be forgiven. She said " probably. '' I knowingly took a XXXX position, making less than I could in the commercial sector so that I could work towards student loan payoff. Now, after over 8 years, I am being told that my payments are not eligible. Why have a " forgiveness '' plan if you are required to pay it in full. There is nothing to forgive. I do not recall back in XX/XX/XXXX when I did this seeing anything that said a consolidated loan would not qualify. This program is a sham. 
XXXX School : XXXX University, XXXX, MO
Consumer complaint received 2017-04-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (LA)

On XX/XX/2017, Afni sent me a dunning ( collection ) letter stating that they were trying to attempt to collect a debt for XXXX. I received a call from a representative named XXXX, ID number XXXX, who advised me that they were attempting to collect a debt for XXXX, I advised XXXX over the phone that I did n't have a debt with XXXX, and if he could send me validation of the debt. XXXX was very rude, got loud with me, and advised me that he was going to put this debt on my account in 3 days. I also notified AFNI in writing that this debt was not mine and to provide me proof. I also advised them that it was unlawful to report unvalidated debt on my credit report. Afni still reported this debt on my credit report, although they did n't provide proof. Afni responded to my debt validation letter with the EXACT same dunning letter they sent to me initially, but this time they manipulated the information on the dunning letter to make it look like a " STATEMENT OF ACCOUNT '' They are intentionally trying to destroy my credit, and using intimidation tactics to get me to pay for a debt that is not mine by placing false information on my credit report. On the dunning letter that was sent to me, they advised me that if I notify them within 30 days of receiving their collection letter, they will obtain proof of the debt, which they did not. I did n't receive a signed contract bearing my signature, I did n't receive a billing statement showing the breakdown of any fees on XXXX XXXX letterhead, nor did I received an assignment of the debt to AFNI, proving that they have the rights to collect a debt on behalf of XXXX. I have never heard of Afni nor have I did any business with them. I have attached my dispute letter to Afni, my overnight delivery receipt w/signature showing delivery of the letter, the initial dunning letter that AFNI sent to me, the dunning letter that AFNI sent to me in response to my debt validation dispute letter, and my current credit report showing where they inserted this false information on my credit report. 

I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 ) Afni, will be required to appear in a court venue local to me, in order to formally defend themselves.
Consumer complaint received 2017-03-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAB Receivables, Inc. (SC)

Cab Collection Agency placed a charge on my credit report after sending me one notice. I then called XXXX ( who forwarded the information to Cab prematurely ) making payment arrangements and making sure insurance information was correct. XXXX said they would take it out of collections and bill it properly. They did not contact the collection agency about the payments I was making and they did not bill the correct insurance provider which led to it being sent to collections in the first place. And when I brought this up to Cab they stated that they could only remove it from my credit report if XXXX tells them to or if I fully paid the account. Cab should have also done due diligence to ensure that the accounts they receive are only sent after the company has not had success with the patient. I was doing my part and they should n't have been so quick to send it to collections without verifying the debt, communications with the patient, etc. Cab Collection Agency also should have had the " please see the reverse side for an important consumer notice '' at the bottom instead the middle of the page to prevent the right to dispute information being overlooked.
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

To Whom It May Concern I recently disputed hard inquiries on my Equifax Credit file on XX/XX/2017 in regards to XXXX hard inquiries that was being reported on my credit report. The online dispute was submitted on XX/XX/2017 and they completed the request on XX/XX/2017. The request that I submitted included XXXX hard inquiries that were not factual and I received the same response for All inquiries which was " Inquiries are factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and Must be investigated and if you do not investigate And respond, the CRA must delete the disputed information from its files. The fact that I received a response 2 days after the receipt of my online dispute, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2021-11-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (AK)

My account with chime was done up until I got upset and said I wanted to close out my account. All of sudden I have no access to my account and are claiming fraud. 

I was upset because they claimed to have send me a replacement card but it was over XXXX  months and hadnt received the XXXX they sent. So I contacted them and was extremely upset. After communicating that I wanted to close out my account, they took access away from me.
Consumer complaint received 2016-08-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I purchased a car from a private party for personal us on XXXX using my CAPITAL ONE credit card via XXXX. The car was delivered without a title and numerous undisclosed issues the worst being a rusted out frame. I contacted the seller and he refused to allow me to return the item or correct any of the issues the car had. I filed a dispute through my card company. XXXX and the seller responded. My card company ( capital one ) gave me a list of things I needed to provide in response to keep the dispute open. I completed more than they asked for except for one item which was simply impossible for me to provide, that being " A second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem could be corrected and at what cost ''. This was a private party sale, there is no comparable merchant that I can provide a written statement from on company letterhead. I contacted Capital One and the rep told me that is just standard wording, explain in your response why it can not be provided and that should be fine. I did that in my letter, since it 's impossible to provide. Furthermore, the seller did not deny the issues the car had, I provided photos of the rusted out frame and seller simply said 'it 's still worth what you paid for it '. I then get a letter from Capital One stating my submission lacks 'all the previously requested information ' meaning the 'second opinion ' letter on company letterhead which was not possible sincere is no comparable merchant on a private party sale and the seller did not deny the condition of the car. My contention is the request was impossible to provide leaving me sitting with a car, no title, and rusted out frame ... ... ... and out {$1500.00}.
Consumer complaint received 2017-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

TODAYS DATE:XX/XX/XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX Equifax XXXX, GA XXXX XXXX, Texas XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, XXXX ( XXXX ), and XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Consumer complaint received 2017-04-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Home Loan Center, Inc. (NY)

About Lending Tree that collected debts on my account and help me to fined a lender mortgage for my home loan.as a know Lending Tree was collecting debts and fine the lender mortgage to finance my loan.But now the Lending Tree was lost contact and connections regarding to my housing loan.
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: 3rd Generation, Inc. (CA)

XXXX There is a vehicle repossession from California Auto Finance and a the collection from the repossession from the repo from XXXX on my credit report. I disputed the information bureaus. The XXXX account was deleted from the XXXX and XXXX but remained on XXXX. The collection from XXXX that is from the repo was still reporting with all 3 bureaus. After the credit bureaus claimed to have verified the debt. I sent a letter Certified Mail with Return Reciept to the car dealership, XXXX were the veheicle was purchased, to California Auto Finance and XXXX, requesting that they Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. 

Only XXXX responded with a hand rewritten note stating " the original creditor advises they did not repo the vechile so there are no documents to be sent ''. XXXX continued to leave " not able to contact debtor on the comment section on my credit report after they contacted me with a hand written letter. California Auto Finance amd XXXX failed to respond to my request. Since XXXX failed to reply and provide with any documentation, feel that the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

After no responds I sent a letter to the credit bureaus notifying them that I personally reached out to the California Auto finance and XXXX requesting documentation to validate them reporting on my credit and neither company was able to provided me with the documentation that I requested, but the accounts still come back as verified and California Auto finance has changed account status from repossession to charge off and XXXX removed their comment stating that they were not able to find the debtor " me ''. 

I believe neither company has the proper paper work to for this account and want the information removed from my credit report. I will upload all of the documents that I have mentioned. 

Thank you, XXXX
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

( 1 ) INCORRECT DUE DATES ONLINE : Navient now uses a new website & my loan due date on the website is incorrect. On XX/XX/XXXX, I was able to access both the old & new website. I was able to access the old one by chance as the link was saved in my browser. The new website listed a due date of XX/XX/2017, & the old website XX/XX/2017 for the same loan. I verified the correct loan due date with a representative on XX/XX/XXXX. The correct date is XX/XX/XXXX. Representative confirmed that the due date on the new website is incorrect, but it 's a technical glitch that they ca n't change. I can no longer access the old website, so the only information available to me as a borrower is incorrect & reportedly will not be changed. 

( 2 ) NO LONGER A WAY TO VIEW & PAY INTEREST ON LOANS NOT YET IN PAYMENT : The Navient website does n't provide a way to view interest that accumulates on loans that are not yet due and make payments. I have been making payments towards the interest on my loans while in law school. The old Navient website provided a way to clearly see a summary of all loans, the precise amount of interest accumulated, & had a way to make a payment towards interest online. On the new website, there is no way to view this information -- ca n't access the current amount of interest on loans or pay it online. I confirmed this with the personal representative on the phone XX/XX/XXXX. The only way to find out the interest & make a payment is by calling. Navient has re-designed their website to make it more confusing & impossible for borrowers to make payments online that would help reduce their loan size! 

( 3 ) EMAILS WITH INCORRECT ACCOUNT INFO : Navient sends emails with incorrect information about my account & I confirmed with the representative by phone that this is just a glitch that can not be fixed or accounted for. Ex : on XX/XX/2017, I got an email regarding quarterly interest payments. It listed amounts for interest & principal that do not correspond to the amounts I owe.
Consumer complaint received 2017-04-07
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE (FL)

I signed up for the BARCLAYS GOLD CARD and was offered all annual fees waived according to my initial terms and conditions. I since have received notice that will no longer apply as of XX/XX/2017. After having the card over a year they decided to send out letters saying that they will now be instituting an annual fee starting the end of XX/XX/2017. I know its a good deal but are they allowed to change the contract after they have already promoted and offered the initial contract. Should n't that be a grandfathered in situation due to the fact they lied about the card to get you to sign up then change the rules using a loop hole.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

I had myself removed from my husband 's account as an authorized user. I received a letter in XX/XX/XXXX from XXXX XXXX stating that they would notify all XXXX credit bureaus which they did. XXXX and XXXX deleted the information but Equifax told me that I had to file another dispute. When I did they came back and said that it was verified even though I have proof that I was removed.
Consumer complaint received 2017-03-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

THIS COMPANY IS LISTED ON MY CREDIT REPORTS. I HAVE ASKED FOR THIS DEBT TO BE VERIFIED FROM THE ORIGINAL CONTRACT BEARING MY SIGNATURE.PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES I DEMAND VERIFICATION. THIS DEBT IS LISTED AS A COLLECTION ON MY CREDIT REPORT.
Consumer complaint received 2017-04-07
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

Venmo user ID " XXXX '' sent me XXXX money transfers ( XXXX, XXXX, XXXX, XXXX and XXXX ) to buy my XXXX through XXXX. 
Money appeared on my Venmo account and I released my bitcoins to him. 
a couple of days later Venmo frozen my account and never return the money back to me.
Consumer complaint received 2017-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (NC)

My complaint is in regards to a debt that is being " XXXX reported on my credit file by AFNI Incorporated, under account # XXXX in the amount of {$1200.00} which was sold to them by XXXX. 

I have requested " validation '' of this debt from them which I do not owe because I have never signed any contract with this company. What they continue to do is send me was a bill and a letter stating that they are the owners of this debt. This company continues to report this on my credit file which I have recently disputed with all XXXX credit bureaus and with them as well. Please also see attached a letter from another debt collection agency, XXXX XXXX, in which they have ceased collection efforts and closed this account. Therefore, AFNI have broken the law by not validating said debt, and they still have not marked the debt as disputed on my credit report within 30 days. 

Any assistance that your organization can provide would be highly appreciated. 

Regards, XXXX XXXX
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

Experian is reporting XXXX not valid debts on my account. One from XXXX and XXXX/XXXX, that was disputed with all XXXX credit bureaus over 90 days ago. XXXX and XXXX could not validate the debt. XXXX and XXXX removed this debt because it could not be VALIDATED. XXXX only sent a 2 digit verification code electronically allowing a 2 digit verification code response. Experian REFUSES to VALIDATE the debt.
Consumer complaint received 2017-03-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (MI)

I 've been paying on this private student loan for years. On XXXX XXXX, 2017 I received a letter from the student loan company stating that " We recently reviewed your account and created a new payment schedule. The previous monthly payment amount would not have paid your loan in full within your current repayment term, so your monthly payment amount needed to be adjusted. '' The new amount is over {$16.00} more per month. Additionally, when I submit a payment that is over the amount due the remaining portion is not added onto the loan each month. Its simply rolled over to the next month which they then say I owe less for that months payments.
Consumer complaint received 2017-03-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (CT)

My son received a private loan from XXXX to go to college. My sister Co signed after I told her as long as she was responsible as a Co signer I would make sure payments were paid should my son default on payments. He never finished college and does n't bother paying his loan. I have been paying his loan for 7 years not to affect my sister 's credit. I asked them if I can take my sister off as a Co signer and they said no. For 7 years I have been paying a total amt of {$160.00} a month on the balance of XXXX combined loans equalling approximately {$14000.00} just for the balance to be approximately {$12000.00}. I paid almost {$8000.00}. This year I pay {$50.00} a month for 2 years. My son worked that out somehow. I make {$XXXX} a year. I CA N'T AFFORD THIS. If they would release my sister, my son would have no choice to pay. If not ... No income tax. Oh well. Should n't have shrugged his responsibility.