davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The co-owner of an auto loan with XXXX XXXX XXXX XXXX XXXX filed Chapter XXXX   bankruptcy which was granted XX/XX/XXXX. I, the party that did NOT file bankruptcy, continued making payments for several years with no default whatsoever before, during, or after the bankruptcy of the other party. No negative information transpired to my credit report throughout the life of the loan until I paid off the vehicle. I made my regular payment in XX/XX/XXXX, and on XX/XX/XXXX called and paid off the remaining balance. I then get a notification that my FICO score dropped from XXXX to XXXX   which is how I found out that XXXX incorrectly charged the account off and report as XX/XX/XXXX being a serious delinquent payment. I have tried numerous times calling and they have advised that the account is protected under bankruptcy law and this is the way it is. They have dragged me down as if I was the one that filed bankruptcy and as if they never received payment for any of the months. They never sent me any statements or mail regarding the account. I could not see my transaction history online and had to call and request it. With that being said, they sent me one transaction history which was then revised after the dispute and I was sent a second "CORRECTED" transaction history of the loan.
Consumer complaint received 2019-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (AR)

A debt for security credit services ( XXXX XXXX XXXX ) for the amount of {$8300.00} was sent to collections. My husband signed for a tractor and his mother XXXX XXXX co signed for him. My name is no where on the contract but it is showing on my credit report. I am unsure the dates but it was purchased around XXXX  or XXXX.. I would like for this to be removed for my report since I have to legal ties to this. I have filed a dispute with other creditors and it was removed. 
Email XXXX Phone number XXXX XXXX XXXX
Consumer complaint received 2019-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Utah System of Higher Education (IL)

On approximately XX/XX/XXXX I submitted a request for in-school deferment to XXXX, my Federal loan servicer from when I completed a XXXX post-bac program. I provided a signed attestation from my school 's registrar to indicate that I am back in school now for an MD at a different institution. I submitted a similar request to XXXX XXXX, who acted on my private loans immediately and placed them into long term deferment for the duration of my time in medical school. Today, upon logging into my XXXX account, I noticed that my loan is only temporarily in deferment until XX/XX/XXXX and a direct debit is scheduled for XX/XX/XXXX. I had additional loans disbursed which are all in " in-school '' status. I called XXXX and asked why the deferment period ends this month when I just started school last week and the representative was unable to provide accurate/definitive information, only that she'd " submit a request '' to have it looked at.
Consumer complaint received 2019-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (WA)

I put a request in writing to my m's insurance taken out of my escrow account ortgage company asking to have my homeowner. I wanted to be able to pay my homeowner's insurance .Roundpoint mortgage deleted my escrow account . I have not been able to have the issue resolved after numerous phone calls and promises that the account would be corrected.The errors resulted in an inaccurate escrow account, misapplied payments and a negative amortization. My concern that all the errors could affect my ability to pay my mortgage. I put together a timeline of events and attempts to have the issue corrected. I have enclosed documents to verify the information reported on the timeline.
Consumer complaint received 2019-08-19
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. (IL)

Viewed credit file through Transunion in reference to XXXX XXXX XXXX XXXX account showing charged off.  File shows last reported: XX/XX/19 in the amount of $XXXX.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (GA)

I had a Belk account, Care Credit and TJX credit card with Synchrony bank. On XXXX XXXX I filed bankruptcy. Never had a late payment or missed a payment with neither company. On XX/XX/XXXX I emailed them and mailed them a Goodwill removal letter asking them to remove the charge off on the three accounts. I received a letter on XX/XX/XXXX from XXXX XXXX XXXX XXXX stating that she would not honor my request in correcting my credit report. In her letter she states that I had outstanding balance on XX/XX/XXXX of {$93.00} and was charged off 8 months later in XX/XX/XXXX. I looked back on my credit report for XX/XX/XXXX. I had a balance of {$82.00} which I paid off. Also at the time of my bankruptcy in XXXX of XXXX. I had a balance of {$64.00} that was owed. Please submit and mail to me correspondences showing where you attempted to collect on the debt that you claim that I refused to pay on. 

Same as with the Care Credit, the balance that I left owing {$1000.00} I was never late or missed a payment. Also with this account I never received any correspondence to collect on this debt nor a phone call about the balance. 

As of XX/XX/XXXX my TJX account was {$310.00} not {$440.00}. On this account I was never late or missed a payment. XXXX XXXX is lying she didnt not thoroughly investigate this matter. I will attach copies of my credit reports with the balances at that time. Also Im requesting to see correspondence showing that Synchrony Bank tried to collect on the debt of the three accounts.Showing the several attempts that they connected me. I would like to see phone records and mailed correspondences. 

Account numbers Belk ending in XXXX CareCredit ending in XXXX TJX rewards XXXX As I requested in my first letter to them I am writing to respectfully request that you consider removing the charge-off on my credit report for the above-referenced account.

607 ( b ) of the FCRA if it reported a discharged item as a charge off when it was in fact not charged off.

Section 607 ( b ) of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' You state you are obligated under the FCRA to provide truthful and accurate information. Which you are in violation of because you are reporting inaccurate information. I would like it to be removed. Also remove the Care Credit account from my credit report its showing that it is open and reflecting a balance,
Consumer complaint received 2019-02-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

Due to money stolen from me by my ex-husband and son I became late with mortgage payments. I applied for a loan modification but was denied by Carrington Mortgage Company. I met with a Maryland state mediator and an attorney for Carrington Mortgage Company since I was denied a modification and my place of business was closing. I entered the loan repayment plan because if I did not I would lose my house because the mortgage company said a temporary reduction in salary or temporary loss of employment would automatically disqualify me from remaining in the home I purchased 25 years ago. The loan repayment plan requires that I make a payment of 5100.00 a  month for six months. My initial monthly payment amount was 2100.00. Prior to entering the repayment plan Carrington Mortgage was holding ( XXXX of my money in a separate account because they said it was not the total amount of money I owed for a payment before entering into the loan repayment agreement ) During the mediation meeting in XXXX between ( myself, state mediator, and attorney for Carrington Mortgage ), I was told that I could use the {$1800.00} toward one of the {$5100.00} payments, I would just have to call prior to the payment and make a request to use my money they are holding toward a future payment. I called in XXXX and requested to use that {$1800.00} toward my XXXX payment. When I called in XXXX to make a payment minus the {$1800.00} that they were holding I was informed that I could not use this money until I completed the repayment plan. I was also informed that no supervisor would speak to me and that they did not have to provide me with any documentation reflecting that they have the right to hold my money and not use it toward a mortgage payment. Carrington mortgage is holding my money and refuses to apply it toward a mortgage payment. I have two more payments to make. Due to a decrease in work hours and no overtime pay I do not know why the mortgage company refuses to allow me to use the $ XXXX towards my XXXX payment as agreed to verbally during the mediation meeting. Why should the company hold on to money and not apply it toward my monthly payment since I am going through a hardship. So far I have made 4 out of the six payments I agreed to pay.
Consumer complaint received 2019-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (AL)

A document was sent to me dated XX/XX/2018 stating that I owe a collection to the apartments XXXX XXXX XXXX. This letter is not accurate for one the date is incorrect and when I moved out in XX/XX/2018 i owed a {$0.00} balance. I received my security deposit back a few months after I moved out. 

When i received this letter, I called the said apartments and they told me that they did not send any amount to this " National Credit Systems, Inc ''. I have called the collections agency multiple times explaining the situation and provide documented proof with the date of XX/XX/2018. Of course they don't believe it coming it from me ( the consumer/victim ) even though I have provided proof this is not right. I have tried contacting their higher supervisors and managers and have not received any phone calls back.
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (IL)

My American Express Membership Rewards account is " under review '' by American Express. They have given me no indication as to what prompted the review, and now they are telling me that I can not access my rewards points for 6-8 weeks. When I attempt to escalate the issue, I'm told that there is nothing they can do, so I need to wait 6-8 weeks to access the points I earned by spending money on their credit cards. Not only this, but the error message that appeared to me when I attempted to transfer points was that I was unable to transfer due to " selling or transferring to someone else 's account '' which is completely untrue. The frequent flier account I attempted to transfer to ( XXXX XXXX ) is my account and I was able to link it with my Membership Rewards account without issue. I was given no phone call or email stating that my account was " under review '' and I am not given any information without reaching out first. I was also told by the first representative with American Express that it was simply an issue on the airline 's end, which made me waste another hour of my time calling the airline. The 6-8 week timeline without access to my hard earned rewards is completely ridiculous. It is predatory to allow a customer to accumulate rewards for years ( I have banked with American Express since XX/XX/2014 ) and suddenly freeze their account without notice and notification, and at the same time tell me there is nothing that can be done for an absurd timeline. I made a transfer several months ago without issue, and there have been no changes to my account since that time.
Consumer complaint received 2019-02-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I received a {$3000.00} dollar loan on XXXX XXXX,2016 and have been paying {$340.00} and within that time they have not put anything but XXXX dollars towards the principle. 
I believe there practice is unfair and may be illegal, as when I wanted to pay off this amount due to the government shutdown, they said I owed them {$12000.00} dollars, however they only gave me a {$3000.00} LOAN. 

How in the world do I owe them {$12000.00} for XXXX? I beleive they are practincing unfair loan laws. and I have already paid them almost 3 times what they gave me.
Consumer complaint received 2019-02-18
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: Nelnet, Inc. (LA)

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX/NELNET Opened Date XX/XX/2009 which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX/NELNET was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-02-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CHECK INTO CASH INC. (AL)

I notified Check into Cash I was unemployed and was unable to pay at this time. After sending a revocation of account debit 2 times to the company, they still pulled the full amount of {$580.00} out of my account on XX/XX/19 which in turn has caused serious financial hardship.
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

On or about XX/XX/XXXX a commercial lender named XXXX XXXX XXXX   inaccurately reported me being in collections and having unpaid balances on four commercial accounts my company has with them. They reported that these notes hadn't been paid when in fact they had and were never past 30 days. They put late fees on each of the four accounts and then reported them as 1 month term notes and hit my personal credit saying I had failed to pay and the accounts were closed and in collections. Neither of those statements were true. I filed a dispute immediately with Experian and just got notice that the accounts were updated. They still show all accounts in collections and closed which has negatively affected both my personal and business credit.
Consumer complaint received 2020-01-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (TX)

I was served certified mail today ... XX/XX/XXXX, saying that i had been sued by Asset Acceptance LLC, for judgement {$3900.00} .I don't think this is my debt and was never notified i was being sued .The debt is from XX/XX/XXXX. The Cause no. is XXXX and is filed in precinct XXXX place XXXX, XXXX county Texas.Papers were filed by XXXX XXXX of Midland Credit Management. Thank you in advance XXXX XXXX XXXX XXXX XXXX Ph XXXX XXXX XXXX Email Address is XXXX XXXX
Consumer complaint received 2019-02-18
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: Experian Information Solutions Inc. (MI)

I have reason for my dispute due FRAUDULENT ACCOUNTS furnished to my account that here are some of the account I never had any business or contracts for business with the following companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX BANK # XXXX XXXX XXXX  XXXX under I expect this collection account to be removed from my credit report. i HAVE FILE A COMPLAINT WITH CFPB AND THE LOCAL AUTHORITIES. I HAVE BEEN WAITING TO HEAR BACK FROM THE 3 CREDIT BUREAUS, I FILE EVERYTHING I WAS TOLD TO DO SO FAR WITH NO RESPONSE!
Consumer complaint received 2019-02-18
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. (MI)

I have reason for my dispute due FRAUDULENT ACCOUNTS furnished to my account that here are some of the account I never had any business or contracts for business with the following companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX   XXXX under I expect this collection account to be removed from my credit report. i HAVE FILE A COMPLAINT WITH CFPB AND THE LOCAL AUTHORITIES. I HAVE BEEN WAITING TO HEAR BACK FROM THE 3 CREDIT BUREAUS, I FILE EVERYTHING I WAS TOLD TO DO SO FAR WITH NO RESPONSE!
Consumer complaint received 2019-02-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (TX)

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from XXXX XXXX XXXX in XX/XX/2019 in the amount of {$170.00}. First and foremost, I have confirmed that the debt collector, XXXX XXXX XXXX XXXX is not licensed in the state of Texas to collect on this debt. Secondly, XXXX XXXX XXXX XXXX violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to XXXX XXXX XXXX XXXX? I have never heard of them, have no written contract with them and have never received any benefits from them, yet XXXX XXXX XXXX XXXX has submitted negative information to all three credit reporting agencies ( XXXX, XXXX  and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$170.00}. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have some major issues and major errors on my credit report that I need addressed immediately. My name is XXXX XXXX XXXX. My SS is XXXX. My DOB is XX/XX/XXXXPlease remove delete ANY OTHER name and SOCIAL SECURITY NUMBERS. the following addresses are not accurate please delete them : XXXX XXXX PL XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX PL # XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2019-02-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hirshberg Acceptance Corporation (MI)

I was sued and a judgement for a 17 year old credit card debt was entered against and they sent the summons to an address that I haven't ever lived at. It was my sister 's old address and a summons was never served there for either of those court dates. My sister said that someone came there in early XXXX and asked if I lived there and she told them that I do not live there and they left. This company was able to locate my current work address for a garnishment order so they should have been able to locate my current address because it's on my credit report and they purposely stated that they sent a summons to the wrong address and I haven't seen proof that someone even signed for that summons. I don't remember this debt and don't feel that I have been able to fairly answer to this. Also if it's 17 years old can I be sued over this? I called the court and they said a judgement was entered against me in XXXX for XXXX and renewed on XXXX and was for XXXX plus XXXX in interest totalling XXXX but I have no knowledge of either of these judgments and the reason I am finding out about this is because a garnishment order was sent to my employer and they informed me. Is there anything I can do to stop this or get this resolved without being garnished. Were my legal rights violated? Wouldn't XXXX even be past the statute of limitations if this debt is 17 years old? I only have 14 days to figure this out according to the court papers. Did this company break a law by not serving me correctly? I called the attorney on this and she said that nothing can be done and they do whatever they need to do to collect this debt. I don't even know if this debt is truly mine. I would like to know my legal rights regarding this. I just found out recently that an ex wife that I've been divorced from for several years still has a credit card with my name on it and I shouldn't be responsible if I didn't create the debt but with such limited information I can't defend myself on this. The only information I have is that the debt is 17 years old and that this company went to court without properly notifying me twice and a judgement against me was made and now I'm being garnished.
Consumer complaint received 2019-02-18
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. (MO)

I have NO CONTRACT with XXXX or XXXX and Experian has failed to remove these unknown medical accounts that they are reporting on my credit report. When I disputed the unknown medical account with XXXX tracking # XXXX XXXX XXXX XXXX XXXX XXXX and with XXXX tracking # XXXX XXXX XXXX XXXX XXXX XXXX as per instructed in your response to which had no valid response.