davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

The initial loan amount borrowed by me on XX/XX/2007 was {$7800.00} to pay for school expenses while I was pursing by XXXX at University XXXX XXXX  XXXX County. The lender was Sallie Mae and this debt was transferred over automatically to Navient. ( without me doing anything ). I was told Navient would be serving my loan going forward. 

It's my understanding I signed up for fixed rate of anywhere from 6.75 % to 7 % originally with Sallie Mae. I was told I would get a .25 reduction interest rate if I signed up for autopay. This never happened and I called Navient but they said it was already applied. ( not true ). In fact, they decided to increase my interest rate to 9.25 % stating that I signed up for a variable rate. I am not too sure about this and complained to Navient. They said they looked at my agreement ( which I don't have a copy of anymore ) and it's a variable rate. I am pretty confident I never signed up for a variable rate.

Further, I have paid close to {$7900.00} over 7 years and my loan balance is still {$8300.00} roughly. That simply doesn't make sense. How can {$7900.00} worth of payments not make a single dent to the loan balance? Instead, my present balance is {$8300.00}. Things didn't make any sense so I refinanced with a new lender named XXXX. However, I think the damage has already been done by Navient. Can you please investigate to make sure I'm not a victim of predatory lending?
Consumer complaint received 2016-07-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Retail Merchants Associates (TX)

Credit Bureau of Louisiana added collections to my credit reports without my knowledge. I have never received any written correspondence from this company whatsoever before the collections were reported. Credit Bureau of Louisiana put collection on my credit reports without my knowledge and in doing so, violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me. I reported this to the XXXX and Credit Bureau of Louisiana responded that they allegedly sent a letter to an obscure address and because it did not come back, they can assume I received it. It was not sent by certified mail, which would give them actual grounds to say I received such a letter.
Consumer complaint received 2021-11-26
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)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2016-07-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

Response was " consumer disputes after investigation '' No change. 
several of my accounts held by XXXX XXXX ( Student loan servicer ) On XX/XX/2016 I received a response from XXXX XXXX that they would make corrections to my CR with the application of a retroactive hardship. XX/XX/2016 the information updated and corrected via XXXX and XXXX, Unfortunately not with Equifax. XX/XX/XXXX I disputed the information only to receive the response above ( makes me question their investigation ). 
I wish to make a formal complaint and supply a copy of the letter received from XXXX XXXX ( Also supplied to Equifax ) and a screen shot of one of the same account XXXX VS Equifax. 
XXXX is the servicer on several loans and none of them have been updated with Equifax. They are all reporting the same error! I am requesting correction or removal of the Trade lines. I have every intent to seek legal assistance to recuperate the cost of higher interest payments, deformation, and missed opportunities at securing credit due to their errors. Please Contact Borrower XXXX Department by phone at ( XXXX ) XXXX, or by email at XXXXXXXXXXXX If Validity of email is a question! 

US DEPT. OF EDUCATIO XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-08
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: Nelnet, Inc. (NY)

The US Dept of Education and Nelnet are reporting on my credit report as 20 separate loans. Essentially they are double reporting and the account is labeled as closed. I have sent 4 separate letters and received no proof that I requested. I requested my original signing document and proof of a write off. I have received nothing and this has been going on for 3 years. The accounts have been double reported for 2 to 3 years as well on all 3 credit reports/bureaus.
Consumer complaint received 2016-09-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I apologize for not addressing this earlier but we 've been dealing with a recent death in the family that focused our attention elsewhere. 

I will be opening a new complaint as well so this will be repeated. 

XXXX XXXX, while it was great that you spent most of your letter explaining how trustworthy IQ Data is, the rest of the letter completely undermined whatever you claimed as far as not receiving the dispute letter. The fact that you received and cashed our check proves that you received the letter and simply ignored it BECAUSE THE CHECK WAS ENCLOSED WITH THE LETTER. Not only that, but it was mailed the same day as XXXX other copies to XXXX XXXX, XXXX, and the property owner listed at the country level which also is at the same address as XXXX XXXX headquarters. I called the number I was given from XXXX XXXX and spoke to your representative XXXX XXXX at ext XXXX several times and was told that sending the check with the dispute letter was the correct course of action. Also reaching out to XXXX XXXX about the validity of the debt is going to result in them saying it 's valid because they are the ones incorrectly claiming the debt. If you read the contents of my letter instead of throwing it away, you would know why that was factually incorrect on their part. The only conclusion I can reach through all of this is that IQ Data, XXXX XXXX, and Heatherstone Apts are in collusion with each other and are lying about this and most likely many other debts together. I 've attached my original letter. The documents you sent back to me from XXXX XXXX were also included in my original letter which I used as proof of the incorrect billing. I will be following up by again resubmitting a complaint with the CFPB and filing a new complaint with the Texas State Attorney General. 

My original case number with the CFPB is XXXX for IQ Data and XXXX for the complaint against XXXX XXXX. 

Below is my original complaint as filed with the CFPB. 

I am submitting a formal complaint IQ Data and XXXX XXXX against debts that was sent to IQ Data that was disputed but ignored. The debt is in regards to incorrect billing for cleaning and utilities with the Utility portion already being paid. The utility payment was submitted with a dispute letter and proof of cleanliness and remodel of apartment. This was done within 30 days and the dispute given to IQ Data International. IQ Data International continued to call several times a day without leaving a message to the point of harassment and without notice of dispute of debt and later a past due collection notice of the remaining disputed amount without acknowledge of the dispute but asking for a written letter of dispute even though they had already received it. That IQ Data International acted illegally on contact and ignoring the legally required dispute notice and continuing to collect on the debt without following proper procedure.
Consumer complaint received 2016-12-13
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I submitted application for loan with USAA bank. I provided all documents required. 

I received a verbal notice stating the loan was denied because I received a raise in pay. I stating that is logical -- I can afford the home and so I applied for the loan.. I have never heard of denying a loan because of my income.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX 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 XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2016-05-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I use to be a patient if XXXX whom is claiming I owe them {$510.00} after there office was closed down they put it on my credit as gulfcoast XXXX and I keep disputing I called the office manager at XXXX XXXX because never did I owe them this or the dr would not of seen me I had Medicare and Medicaid always paid my copy 's when I went in to my visits and I think someone internal is committing fraud I never even received a phone call or letter from them for this
Consumer complaint received 2016-02-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capio Partners, LLC (FL)

Dear Sir or Madam, I recently received a letter in the mail from a collection agency called XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Phone # XXXX stating that I have XXXX outstanding collections, on XXXX/XXXX/2016 I faxed them some pass information showing where these XXXX collections were removed from my credit report ( See attached Information ). On Wednesday XXXX XXXX, 2016 I received XXXX letters showing where they have removed this information from my files from their collection agency, ( See attached letters ). The next point is This collection agency noted that these collections came from a company called XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX which is Capio Partners same address their Phone # to patient advocate is XXXX. I Received from my XXXX XXXX credit score showing that XXXX is reporting these XXXX collection of {$120.00} and {$110.00}. I am asking can you please help me to remove these XXXX collection from my credit report and get Capio Partners to stop harassing me. update my credit file within the next 30 days
Consumer complaint received 2022-10-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX  XXXX. XXXX Date Opened XX/XX/2016 Balance {$4500.00} and XXXXXXXX XXXX XXXXXXXX. XXXX Date Opened XX/XX/2016 Balance {$270000.00}.
Consumer complaint received 2015-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P. (OH)

On XXXX XXXX I received an alert that a new account had been added to my credit report. I immediately disputed with all three credit agencies and sent out a debt validation letter to XXXX XXXX. One week later I receive a print out on their letter head ( unacceptable since this is not my debt ) XXXX deleted the account but XXXX and XXXX did n't budge. The last name on the account is XXXX ( not my name ) I never received a dunning letter, a phone call, a bill Nothing. Just a surprise account that was previously deleted because the collection agency before could not validate this bill. This has caused tremendous backlash on my credit report.
Consumer complaint received 2021-11-26
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: ENCORE CAPITAL GROUP INC. (NY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2016-12-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (PA)

PNC pulled another stunt today on XX/XX/2016. 
They tried to put some outstanding checks through before my direct deposit went through. 
The direct deposit was in the account at XXXX on XX/XX/2016, it was for {$570.00}. 
They charged me XXXX overdraft fees of {$36.00} each!! 
I had a positive balance at XXXX on XX/XX/XXXX!
Consumer complaint received 2016-05-12
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: The Accounts Retrievable System, Inc. (OR)

XXXX XXXX XXXX and Accounts retrievable systems, Inc are continuing to threaten to garnish my accounts on a fraudulent Judgement. 
I received a letter in XX/XX/XXXX from XXXX XXXX XXXX demanding payment on a Judgement that I did n't even know existed, I had no knowledge of this Judgment, and XXXX with XXXX XXXX XXXX was the one to send me the letter. I contacted XXXX to find out more information ; it was then that he informed me that there was a judgment against me in California in XX/XX/XXXX. I explained to him this was the first time I was informed and asked who the company was that was claiming this debt against me, I explained to XXXX that I never had knowledge of this claim since it was never on my credit report nor had I received any letters to give me an opportunity to dispute the debt as I learned after calling and speaking with XXXX XXXX to get more information, It was then that I learned that this credit card debt they were claiming I owed was in fact a fraudulent account and this was not my debt. XXXX XXXX told me they had no records nor any contracts for this claimed debt signed by me, XXXX XXXX informed me they sold the fraudulent account to Accounts retrievable, Inc. 
XXXX XXXX XXXX continues to ignore that fact that, this is a fraudulent claim and continues to threaten Garnishments and demanding payment. 
Recap, a fraudulent credit card debt placed for a judgement in XX/XX/XXXX, I was NEVER notified to be given the chance to dispute, account was never opened or signed any contracts by me. 
XXXX XXXX XXXX ignore this and continue to threaten garnishment.
Consumer complaint received 2015-12-18
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have applied for a short sale with Bank of America. They keep closing my file and make me start all over with the process due to missing paperwork and no paperwork is missing. Time is of the essence and this needs to be handled by a competent person. Five months has already been wasted waiting on Bank of America. I try to call the phone numbers that they have provided and I keep getting disconnected by their automated system.
Consumer complaint received 2021-11-26
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 sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2016-06-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (OH)

I made a deposit to my account at XXXX and my transaction posted at XXXX. I called the bank and was informed that they start processing at XXXX. I have never received any documentation stating that the cutoff time is XXXX I asked if the they could reverse the charges since they could see the deposit at XXXX and the answer was no.
Consumer complaint received 2016-12-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (DC)

I had a mortgage with XXXX that originated in 2009. Earlier this year, XX/XX/XXXX, I understand my loan was sold to LoanCare ( a XXXX XXXX XXXX ). When I got notice of this change, I started paying LoanCare per their instructions. I have continued to make my monthly payments to LoanCare, but I have been receiving notice from LoanCare that they have not received my payment and that my mortgage has gone into default. This should be not the case because I have been paying my mortgage and the checks have been clearing my account. I have contacted customer services numerous times but have had no success in resolving the issue. I would like assistance in working with LoanCare to update my account to reflect the fact that I am not in default.
Consumer complaint received 2020-10-08
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)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Help me! 

XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

I had a invoice that was covered by Medicaid that due to a clerical error was late getting paid, due to no fault of mine. It went to a collection agency. I called as soon as I was notified and gave them the information they needed to remove this debit from their ledger and was assured the matter was closed. They still reported me to reporting agencies and my credit score lost XXXX points while I was in the process of getting a home loan which very negatively impacted my ability to get a loan. They have made no effort to call me to resolve the issue after I have attempted to make contact with them multiple times.
Consumer complaint received 2017-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Eastern Account Systems of Connecticut, Inc. (MI)

My credit report shows a collection from Eastern Account Systems that I do not owe. I have made repeated attempts to clear this up and the company refuses to stop reporting on my credit report. They continuously update the account in a shady attempt to lower my credit score. This companies business practices need to be investigated.
Consumer complaint received 2017-01-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (CA)

Barclay cards is a company of thieves and and false advertising. They promised to open a credit card in 3 days with express delivery. However, then they say 7-10 days when I speak with them. Opening and closing credit cards destroy one credit report. Please ask them to delete the credit card ending in XXXX for all credit bureaus ( XXXX ). I will not stand to have open and closed accounts, with false advertising from representative and websites. This destroys credit score with fallacious information.
Consumer complaint received 2021-03-23
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. (NJ)

I consolidated all my loans, all my loans are under one but the credit company has reopen all my closed educational accounts and put them in collections. I have provide paperwork from XXXX XXXX as well as contacted XXXX XXXX. They are saying its the credit companies. I have shown that if they add up all educational accounts they XXXX up to the one consolidated account but they still have them open and in collections