davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

Dear XXXX, XXXX daughter took out a school loan for her degree at Full XXXX in XXXX. I had to be a co-signer with my daughter as she had no income and the loan had to be taken out in XXXX parts. The first loan was for {$35000.00} at XXXX % interest and then after XXXX months, the second loan was allowed to be put in place {$24000.00} however the interest was set at XXXX % which was not explained at the time of the first loan being taken out. The loan was allowed to be deferred for a period of time but I can not remember the full information. 

We feel Navient are not set up to help the loaner for many reasons XXXX is that they do not send reminders prior to the due monthly payments if you pay via the online payment system. Over the last year, we have paid extra per month to get the XXXX % interest loan paid off however because the auto payment will not accept they will not accept over payments to the principle. When we pay the extra money per month the following month states we owe less payment for the month Navient do not want to apply the overpayment to the principle. This practice we can only assume is because it is more profitable for Navient to prolong the loan period. 

I have applied to be removed as a co-signer but Navient have refused even though my daughter has never been late for a payment since XX/XX/2013. 

My Daughter has tried to get the loan shark rate of XXXX % down but Navient have refused because they say there is not a lower interest loan available to her. 

Although we have spoken to representatives via telephone we have never been given satisfactory solutions to our questions, they do not have a email address to raise any concerns. 

I would be grateful of you could list us to your complaint. 
XXXX. 
Email address : XXXX
Consumer complaint received 2016-01-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Hollis Cobb Associates (VA)

XX/XX/2015 I was treated at a XXXX and incurred expenses of near {$3000.00} that were my responsibility. As my HSA account did not have that much in the account, I established a payment plan with XXXX XXXX to pay something around $ 300/mos. I never received a statement from them and missed the subsequent payment. I attempted to make a payment online and was told I only made partial payment and given another number to call. I called that number and made a new payment of $ XXXX/mos which I was told was my new payment plan amount. I did not realize at the time that this was a collection agency, BCC Financial. As the same time of the month was nearing XX/XX/XXXX, I was again looking for a statement from XXXX XXXX and had not received one. I was very busy and it slipped my mind as I mostly use online banking or paper bills for things that are n't " usual '' bills for me. XXXX from BCC Financial called on XX/XX/XXXX and said she was calling to collect on a debt for XXXX XXXX. I was very angry at that point and told her all about my payment plan and how I had never received any statement. She assured me that she would get it straight and I would get statements from her. She then immediately offered me a XXXX % settlement if I paid in full. I refused because I owed the balance, although I was capable of paying I also asked if the XXXX % settled balance would report to my credit as a charge off. She could n't answer that question. I asked if my account could be paid back up to date and sent back to XXXX XXXX, she said no. But then again assured me I 'd receive my monthly statements. No statement in XX/XX/XXXX. I needed to call them myself in XX/XX/XXXX to make them aware, again, that I had no statements. I needed to get my account number from them to make a payment online. I repeated my concern about not receiving statements, not being able to monitor the progress of my account and if my payments are actually being applied to my balance. The woman I spoke with continued to assert that they HAD been sending me statements. Giving me the impression that she was accusing me of lying. Then here we are again-no statement received in XX/XX/XXXX, during the holidays. I do n't know what day my payments are due. I do n't know what my current balance is. All I am able to see on the website is a place to enter all of my payment information. For all I know I could be wiring money to anywhere.
Consumer complaint received 2016-10-18
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TekCollect Inc. (AZ)

1. Tek Collect is attempting to collect a consumer type debt allegedly owed by Plaintiff to XXXX XXXX XXXX XXXX with account number XXXX in the amount of {$530.00} ( the " Debt '' ). 
2. Sometime around XXXX XXXX, 2016, Tek Collect sent me a letter attempting to collect the alleged Debt. 
3. On or about XXXX XXXX, 2016, I sent a letter to Tek Collect requesting validation of the alleged Debt. In this letter, I stated that I paid the alleged debt in full. 
4. On XXXX XXXX, 2016 or about XXXX XXXX, 2016, I sent a letter to Tek Collect requesting that it cease and desist communication from with me since they were repeatedly calling me at work and did not comply with my verbal request to not call me at work. 
5. On or about XXXX XXXX, 2016, I obtained my XXXX credit file and noticed that Tek Collect reported the alleged Debt in the amount of {$530.00}. This stated that the date opened was XXXX XXXX, 2016, which is also false as I was first contacted by Defendant prior to XXXX XXXX, 2016. Further, Tek Collect did not flag the alleged Debt as disputed, in violation of the FDCPA. 
6. On or about XXXX XXXX, 2016, I obtained another XXXX credit file which again showed that Tek Collect reported an inaccurate balance of {$530.00}, an inaccurate opened date of XXXX XXXX, 2016 and it did not flag the account as in dispute.
Consumer complaint received 2017-05-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (TX)

On  XXXX   XXXX ,    2017 I w as charged a " Repayment Fee '' of {$960.00}. I inquired about what this fee means, but I was not given an answer. Instead, the customer service representative informed me that they could not find my account. I replied, asking again what the fee meant, which does not require my account information, despite the fact that I attached a screenshot of my statement in the original email. I was just being given the run-around by a company using a bait and switch tactic to not answer my question.     If the repayment fee is a fee for repaying the loan early or paying more than the minimum amount, then I was misled. Navient 's 'Common Questions ' section of their website explicitly states, " Can I pay more than my monthly payment amount? -- You can always pay more than your monthly payment amount. By paying more now, you 'll pay less over the life of the loan. '' Is there another reason I was charged a " repayment fee ''? Is n't the interest on the capital the repayment fee? At the very least I would like an answer, but I ca n't seem to find find a relevant FAQ to reference, and the email I exchange I had with  XXXX  XXXX  XXXX  never addressed my question. Since my last reply 4 days ago, I have not received a response.
Consumer complaint received 2023-07-23
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: EQUIFAX, INC. (TN)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Please be advised this is my final request to remove a tax lien on my credit report. I have sent this request and proof numerous times in vain and I intend to pursue litigation if not removed from my credit report as soon as possible. Please see attached proof that it has been cancelled and paid and therefore should be deleted immediately from my credit report because it is affecting me greatly. The reference number is  XXXX .
Consumer complaint received 2016-06-03
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: TRANSWORLD SYSTEMS INC (CA)

After purchasing products from overseas at XXXX. XXXX sends me a bill for international shipping or something. The bill was extremely irrelevant, ridiculous, and incredibly unnecessary. I refused to pay this bill because I already paid a big amount of money to purchase the products and shipping in the first place anyway, was confused why i needed to pay this bill ... Now they raised {$8.00}, originally {$58.00} now a debt of {$66.00} even though i do n't know where the XXXX they come up with these numbers and XXXX cents change ... I 'm so upset why this type of international law or policy exists.. when consumers are already paying for their shipping. I refuse to pay this unnecessary debt.
Consumer complaint received 2017-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

We purchase a bed from sleep number and financed the purchase using synchrony bank. The initial purchase was for {$2900.00}. I immediate began making equal payments of {$120.00} which was the balance over 24 months. We soon learned that the payments were applied to someone elses bill and that they charged us late fees. When we called them to rectify the issue, they could not verify my husbands account as they do not have the correct birth date or las t 4 of t he social. We had the account number, billing address date of purchase, they refused to talk to us because they could not verify us. They finally called through to the store and realised there was an imput error. They were to have corrected the issue almost 2 years ago and we have been fighting with them ever since. The last payment was to have been made which it was made on  XXXX . I was able to find out that they continued to charge us late fees and assessed interest so there is still at {$470.00} balance remaining. I again called and they would not talk to me because they claim I am not on the account. They I called with my husband on the phone and they still could not verify the account and would not talk to us. I asked to speak with a supervisor and they placed us on hold for over an hour. I am not willing to make any more payments I have paid for the bed and then some.     I was able to finally speak with someone who stated that the due date on the account has always been the  XXXX  of the month. We purchased the bed on  XXXX / XXXX /  XXXX  . We were told on our paperwork that the first payment would be due on the  XXXX  of each month and I scheduled it as such via our online bank. The {$120.00} has come out for the past 24 months but somehow there is still a balance. They had me on hold for ov er 25 minutes o nly to come back on the line to state that there was nothing that could be done that we should have called in sooner. Yet when we call they will not help us because they have the wrong social and birthdate on the account and can not verify.     Please help.
Consumer complaint received 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Synovus Bank (GA)

This is more involved than just my credit score. When we started shopping for a mortgage in the summer of XXXX, we ultimately chose XXXX XXXX, which was recommended by our realtor. Shelter initially said they could give us a Jumbo Loan at a fixed rate for 10 % down on our $ XXXX purchase. Other companies could n't offer that so we went with XXXX. When it came down to crunch time, we learned that XXXX could no longer offer us that product because our credit score was XXXX, instead of the required XXXX. We also learned that we then needed 15 % down. By that time, it was too late to change companies. So we were told that we needed to have two mortgages- initially both were to be fixed rate. We sought the secondary mortgage from the XXXX XXXX XXXX XXXX. At the last minute, we were told that my credit score dropped to around XXXX. Now, we certainly did n't open new lines of credit or make an large purchases as we were anticipating getting our mortgage. It seems as though a " serious delinquency '' from over 5 years ago ( which was disputed and resolved ) re-appeared on my XXXX credit report. I called XXXX and disputed this report again, but it would take 30+ days to be corrected. In the rush to finish our mortgage before we lost the house ( our " drop dead '' date was fast approaching ), we had to accept a second mortgage at an adjustable rate. Because of all the errors along the way, we ended up with a larger monthly payment than anticipated. We have also estimated that we will pay an additional XXXX over the 30-year lives of our loans due to these errors. In a high-pressure situation as first-time homebuyers, we were in a vulnerable position and were at the mercy of professionals who we feel wronged us.
Consumer complaint received 2020-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (WA)

I obtained a loan on XX/XX/XXXX on my home at XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX from XXXX XXXX. They then sold my loan to XXXX XXXX XXXX who then sold my loan to FlagStar Bank in XX/XX/XXXX or XX/XX/XXXX. 

After FlagStar obtained my loan ... they without my consent or authorization added 1. {$2000.00}. annual home insurance. - HOWEVER I already have insurance that I pay {$740.00} annual for from XXXX XXXX. 

2. Increased my property tax amount from {$1400.00} to {$2200.00} My county still shows that I only owe {$1400.00} for XXXX Taxes Due to the over charges they took my monthly payment of {$1000.00}. to {$1300.00} After countless times of trying to get it worked out with them since XX/XX/XXXX, I am constantly sent to collections and now they are threatening Foreclosures and adversely affecting my credit report.
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (WI)

This number out of XXXX Wisconsin keeps calling me : XXXX saying they are a debt collection agency ... for debt they do not identify. It is a recorded message with a woman with an XXXX accent named XXXX XXXX. The toll free number they say to call them back at is : XXXX. Recorded message says they are Transworld Systems ... when in fact they are XXXX XXXX XXXX.They keep calling from different XXXX numbers out of the XXXX area ... I have XXXX numbers blocked from them now. I do n't owe anyone any money.
Consumer complaint received 2023-02-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (MD)

Transworld sent me to collection without following legal process for intent to dispute as I have no knowledge of this account.

the Fair Credit Reporting Act ( FCRA ) governs how consumer credit information is collected, reported, and used by credit reporting agencies and other entities. Under the FCRA, a debt collector is required to notify the debtor in writing before reporting the debt to a credit reporting agency.

Specifically, Section 623 ( a ) ( 2 ) of the FCRA states that a debt collector must provide written notice to the consumer " before the expiration of the 30-day period beginning on the date on which the debt collector acquired the debt, that unless the consumer disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. '' This notice must be provided in writing and must include information about the debt, including the amount owed, the name of the creditor, and the consumer 's right to dispute the debt. If the consumer disputes the debt in writing within the 30-day period, the debt collector must verify the debt before reporting it to a credit reporting agency.

As a result, this business failed to provide a documentation which gives me a legal rights to fight this in court for violation of my rights, and messing up my credit score. Respond to this letter to avoid further legal actions!
Consumer complaint received 2017-05-23
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. (AL)

I disputed an account on my credit report asking for verification. Never received verification about the account yet it 's still reporting eve ry 2 to 3 mon ths updating on my report with latest date reported showing  X/X/2017   . Amount past due shows {$900.00} but highest balance shows as {$900.00}. Every now and again, they update with amount past due as  XXXX  and then drop back down to  XXXX . The only remarks left from dispute were " Charged off as bad debt., Account information disputed by consumer, meets FCRA requirements '' but I have still not received any verification of the debt, to date.
Consumer complaint received 2017-05-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (UT)

On  XXXX / XXXX / 2017  I was put in contact with  XXXX   XXXX  of  Quicken Loans DBA Rocket Mo rtgage after filling out an online application. He asked me several questions. During the course of the call I got an alert from my credit reporting service about an inquiry. I asked  XXXX  if he had done a hard pull on my credit and he confirmed that he had. I did not consent to this.  XXXX  did not ask for permission and did not inform me that he would be doing a hard pull.  XXXX  transferred me to client relations after I requested to speak with his supervisor about this matter. The rep informed me that this was a " permissible purpose '' even though I had not consented. This is completely unfair and has a negative impact on my credit.
Consumer complaint received 2017-02-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cawley & Bergmann, LLP (GA)

In XXXX of 2016 after carefully reviewing my credit report XXXX accounts showed up on my credit from XXXX XXXX bank and XXXX bank.I immedietly disputed the XXXX accounts and placed a fraud alert on my credit reports. I have been back and forth with the creditor as well as the credit. Finally after months of disputing and making complaints the debt could not be validated and was deleted from my credit profile.over the past couple of weeks i have been getting letters in the mail from the collection agencies, for the same accounts. So it appears that the creditors deleted from my credit profile but then sold the account to multiple agencies. This debts are not mine and all i have been asking for for months is validation of account. also please look into the creditors selling these accounts to multiple agencies now i am receiving multiple letters which can be related to harrassment. I am requesting that the collection agencies validate debt owed and quit sending collection letters to my home. 

I have attached the letters that I am receiving from different collection agencies for the same account.
Consumer complaint received 2022-10-02
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: EQUIFAX, INC. (WA)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CORELOGIC INC (MD)

In XX/XX/XXXX, based on a accident ( disaster ), I faced the financial hardship. XXXX XXXX is my mortgage lender from XXXX, and I asked them for a mortgage assistance. They offered several options but asked for permission to check my credit score. At this moment the score was about 630. However, XXXX XXXX asked Corelogic Credco for assistance, and when results came, it was a very unpleasant surprise. The new FICO score has dropped for 83 points - due to the XXXX XXXX/Corelogic Credco inquiry. When asked for information why it has happened, the answer was that this score is based upon XXXX report. I called XXXX and they denied providing such a wrong information. At this moment am disputing this sudden drop of the score and I am asking removal of such inquiry. 
As far as I know, the official credit bureaus are the only providers of credit information. Many new providers of scores are doing it for less money and are increasing the market. Their information is not always correct. They maybe are pleasing the lenders who are paying for information, but it can create harm to customers - intentionally or inadvertently. 
I am informing CFPB because this has happened under your watch of the compliance with FDCPA.