davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

XXXX XXXX, 2016 To whom it may concern 1. I attest that I am the author of all verbiage within this complaint. On my XXXX and Equifax reports I have accounts in collection, XXXX on Equifax and XXXX on XXXX. 

2. This complaint is based on XXXX, XXXX, and Consumer Reporting Resource Guide reporting standards, and specifically how EQuifax and XXXX are reporting this data within my report. 

3. XXXX XXXX XXXX and XXXX XXXX XXXX are debt collectors, file standards, and laws, prohibit XXXX to report debt collection efforts as Credit Grantor Tradelines, as they can not extend credit to me, or any other individual. 

4. XXXX file Specifications, indicate that they can ONLY report a COLLECTION/RC/Factoring Account Type, that is either in a PAID or Unpaid Collection pay status. 
Account Type Codes XXXX -- Collection Agency/Attorney XXXX -- Returned Check XXXX -- Factoring Company Account ( includes Debt Purchasers ) 5. All other report attributes are intended to be used by Credit Grantors, who enter into a contract for payments and then to report such payment history. 

6. XXXX, is designated as a " Open/Installment/Revolving '' ACCOUNT TYPE and can not be as this data is not expected to be sent by a debt collector on this industry standard file, and is in fact reporting as a Factoring Account and is included in my XXXX. 

7. XXXX and XXXX accounts have a PAY Status of past due, and can not according to XXXX - as this data is not expected to be sent by a debt collector on this industry standard file. I have never been late with XXXX nor XXXX 8. XXXX account on EQ is reporting a creditor classification of " RETAIL '' and can not, as this data is not expected to be sent by a debt collector on this industry standard file 8. XXXX account on EQ has a pay history, and can not - as this data is not expected to be sent by a debt collector on this industry standard file. I have never paid them anything nor ever agreed to. 

9. XXXX account is Medical and should be labeled as such. 

I request that these erroneous accounts be deleted from my reports and not reinserted as they have been damaging to me in monetary ways. I have been denied acredit due to these accounts showing as open/late, when in fact if they were showing as collections on both EQ and XXXX as per their sample reports show I would not have such a low score. 

I will be forwarding this complaint to EQ, XXXX, XXXX CFPB and to the involved Collection agencies as these procedures are illegal under the FCPA and FDRA. 

THANK YOU.
Consumer complaint received 2016-11-22
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (NC)

XXXX XXXX agreed that I would not owe anythingXXXX Fraudulently made me redo XXXX test that I completed.I told XXXX XXXX I would sue them if the test where not recovered. The customer service agreed to let me out of my contract without an debt if I did n't take them to court it was a computer error.They sent me to collections after we agreed to end the contact with out a debt.I contacted the collection agency and the lady said they are still going to put this debt on my credit even though it was not valid.This is breaking the law and so is the letter they sent to me.
Consumer complaint received 2017-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I did an authorized short-sale in XX/XX/XXXX with the XXXX and XXXX lien holder. I have written XXXX letters, XX/XX/XXXX and XX/XX/XXXX to Capital One, N.A, the XXXX lien holder. In both letters, I explained that I have already tried to contact the XXXX credit agencies to stop reporting the short sale as if it was a foreclosure and every time the said to work directly with the reporting creditor. Capital One, N.A of course states in their letter " you can provide an explanation to the credit reporting agencies directly. '' The games that the creditors and the national credit bureaus deferring responsibility on to the other, as both are now fully aware that a complaint has been reported and both are in violation of the law, is ridiculous. 
Per XXXX report, Capital One, N.A reports the following " Paid as agreed '' or " Paid in Settlement '' or from the comment or remark sections, " Account paid for less than full balance '' is incomplete, insufficient and inaccurate as it does not disclose the Short-Sale circumstance. XXXX, has assumed or took liberty to convey that the property was foreclosed and/or delinquent. The true circumstance was not accurately conveyed by XXXX but rather they indicated ( 1 ) " serious delinquency '' and ( 2 ) past " not paid as agreed '' both are considered inaccurate and false. For item ( 1 ), there were no missed payment or even a late payment, consequently for XXXX to disseminate a Short Sale as a " serious delinquency '' is misleading, inaccurate, false fraudulent reporting. It is also clear that the account was n't in default, collection actions did not take place, nor was there judgement handed down by the courts. For item ( 2 ), since the short sale approval and settlement was agreed by all parties, for XXXX to convey things as " not paid as agreed '' is also misleading as the Short Sale approval letter had stated otherwise. I had requested that Capital One, N.A include the following supplemental comments to national consumer credit reporting companies and any other data furnishers. " Borrower had no missed payments ; the account was not delinquent or in default ; all parties agreed to a short sale ; and full satisfaction of the referenced mortgage debt was in agreement. '' Certification of accuracy of or complete information is paramount to correct derogatory reporting. Errors in omission is still an error and will remain inaccurate until disclosed and corrected. Capital One, N.A failure to disclose to credit bureaus complete information by including the supplemental information has harmed my credit score.
Consumer complaint received 2017-01-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Linebarger Goggan Blair & Sampson LLP (MO)

I received a NOTICE OF DEBT from Linebarger, Goggan, et al for a parking violation. This correspondence claims to collect an outstanding debt when this is the first I have heard of such a claim. I did indeed park in the said lot on the said date, however there was no attendant on duty either upon arrival or departure from this lot. I also did not observe a machine to make payment. I will gladly pay the {$5.00} flat fee which is the advertised rate for this lot and mail it directly to the XXXX ( owners of the lot ), but I refuse to pay the astronomical {$60.00} fee demanded in this letter. I have researched this law firm extensively and have uncovered hundreds of other victims of this scam. Someone please close these snakes down.
Consumer complaint received 2016-11-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OH)

XXXX XXXX was reporting on my credit report that a portion of my student loan, {$22000.00} was included in my bankruptcy therefore showing it 120+ days late and that it was now on a wage earner plan. All of this information is incorrect. Ohio law prohibits student loans from being included in a bankruptcy. These loans were on forbearance during this time. Also, my entire loan for XXXX XXXX ( a.k.a. XXXX ) owed is {$47000.00}. Why would only a portion of it be included on my bankruptcy. Again, all incorrect info. I sent them a letter stating this and the information was removed from my credit report. Within 30 days, the information was put back on my report but now reporting under Navient Solutions on my XXXX reports and under XXXX XXXX on XXXX. I would like this information removed from all credit reports as it is inaccurate information.
Consumer complaint received 2016-11-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Blakely-Witt and Associates, Inc. (TX)

I am in the middle of trying to close on a mortgage, and at first XXXX was refusing to take a persistent dispute notation off my account, today on XX/XX/2016 i find out on XX/XX/2016 the creditor Blakely Witt and Assoc, denied my request to get a persistent dispute notation removed off my credit, now they are holding my credit report hostage and not allowing me to close on a home loan, time is of the essence as i was fighting XXXX for weeks and now i have to fight them over this. I am expected to close in the next couple weeks, and still can not get approved due to this persistent dispute notation that they are now holding my report hostage preventing me from a home loan, if this keeps up i am going to lose my escrow money. Please help
Consumer complaint received 2016-11-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (RI)

Received home loan statement/bill ( due XXXX ) - {$330.00} higher than expected. Called mortgage company ( Roundpoint/Embrace Home Loans ) : advised that {$4000.00} was removed from escrow acct ( now in the red ) for " supplemental tax '' and that my monthly payment will be {$330.00} higher until paid back. Mortgage company unable to tell me ( with proof ) what this tax is for. Have received XXXX different answers : Call # 1 : Due in advance for impending prop tax raise for XXXX XXXX # 2 : Tax owed to town for road work Call # 3 : Back-taxes owed on my home at purchase that " sellers refused to pay '' **Called town tax office after each call above - they confirmed ALL of the above info to be NOT VALID OR ACCURATE in any way. ** Call # 4 ( supervisor ) : Agreed with call # XXXX that it is back-taxes owed ( she appeared to be purely speculating however ) I have sent them a copy of the XXXX form proving nothing was owed on my home at time of purchase and all taxes were paid up-to-date. 
Mortgage company UNABLE to explain and prove what the " supplemental tax '' was for and why {$4000.00} was removed from my escrow account and where it went. 
Opened dispute with their tax dept on XXXX at time of providing the XXXX form. 
Have received no response.
Consumer complaint received 2016-11-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Trans Union verbally told me on XXXX/XXXX/16 that I have an outstanding debt to XXXX, who reported to me on the same date that my account is current. Trans Union refused to provide me with written documentation in understandable form, stating that the previously reported ( XXXX, 2016 ) error in their records has been cleared up and should show no balance due. This problem began with XXXX XXXX XXXX sending my statements to a non-existent address and failed to contact me by phone when payments were not received.
Consumer complaint received 2016-06-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (LA)

I disputed a debt placed on my credit report by XXXX XXXX XXXX. Experian allowed XXXX to keep this on my record though XXXX XXXX XXXX can supply no documentation from its company or the original company, XXXX XXXX XXXX, of the debt owed or the billing practices of XXXX XXXX XXXX and its billing management corporation XXXX. 

Also, XXXX reports the original date for the account as XX/XX/XXXX, when it is actually XX/XX/XXXX. 

I was told by XXXX that this debt would remain on my credit report forever because they were going to keep it in a collection state.
Consumer complaint received 2016-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NJ)

We are having issues because our mortgage was sold from XXXX to LoanCare and we are unable to get an answer from LoanCare on how to access home repair escrow funds. 

On XX/XX/XXXX we incurred a loss to our fence, not the home structure, and as XXXX does we filed a claim with our homeowner 's insurance and were issued a check to complete repairs. Because the repairs were over a certain amount our original mortgage company, XXXX, held the funds in escrow until the repairs are complete. XX/XX/XXXX/XX/XX/XXXX the mortgage was sold from XXXX to LoanCare. As of today, XX/XX/XXXX, are unable to get a straight answer from LoanCare on how to access home repair escrow funds. 

I have called multiple times and waited hours on hold to speak to an agent. Out of the XXXX agents from LoanCare that I have been able to speak to on the phone, I have received XXXX different answers on how to proceed. I have asked for a letter outlining the procedure but as of today, XX/XX/XXXX, still have not received such letter. 

Compounding this issue is that we have until XX/XX/XXXX to complete repairs or the monies will be returned to the homeowner 's insurance. At this point we are unable to continue with the repair as the remainder of the money is in escrow and I can get no clear guidance on how to proceed with the claim. 

My husband and I are responsible homeowners who pay our mortgage and maintain our home, but our family can not afford to incur the cost of having the fence repaired due to a lack of customer care and respect on the part of LoanCare Mortgage. 

Please contact me at XXXX regarding this matter.
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (FL)

It seems every other month there is issues with all XXXX credit agencies. My score now has dropped in just the past year. XXXX points. The way I found out is a chapter XXXX I filed in XXXX and XXXX XXXX XXXX XXXX was part of the chapter XXXX I filed back then. The case ended in XXXX XXXX, XXXX and the XXXX were reporting I had a balance. So I sent them all the report from the court that it was paid and closed to take it off. Now just in the past year I found ( XXXX ) HARD Inquires which I never applied for anything.. ( XXXX ) - from XXXX XXXX XXXX ( XXXX ) - from XXXX, XXXX XXXX ) -from XXXX XXXX and XXXX card, XXXX XXXX XXXX XXXX XXXX NCS, Factual data/XXXX. I contacted them all and they say they ca n't take them off with out a letter from each Inquire. I do n't know what to do it ruined my credit I am working hard to restore. I am sure it is Fraud!! What can I do to get this taken off all my reports.XXXX points went down in 1 year.. Please I hope you can help do n't know what else to do. Like I said I tried contacting all XXXX agencies and put a fraud alert on my reports for 5 years ...
Consumer complaint received 2017-06-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Thia.debt collectionnagency has reported inaccurate information to the cresit bureaus which has damaged my credit. The account is listed   XXXX   under my credit bureau by  XXXX  different companies which is   XXXX   XXXX   as well as capital one.   XXXX   XXXX   reported wrong information and I have asked them to clear it. They keep saying the information is correct   XXXX   they will not provide me with me proof that  XXXX  information is correct. The account was opened in   XXXX   and they are reporting  XXXX
Consumer complaint received 2016-11-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NY)

In XXXX of 2016, I was given incorrect information from my bank ( XXXX ) in regards to whether a mortgage payment to Seterus would clear. XXXX told me that the payment would clear. The payment ended up not clearing. XXXX has acknowledged that this was their error in writing. After reaching out to Seterus numerous times, I was not able to get a clear answer in regards to why the payment did not go through i.e a supervisor told me that it was not due to insufficient funds it was due to a typographical error. I received misinformation from Seterus every time I called constantly for a month. Due to this the XXXX payment was applied on XXXX XXXX, 2016. 1 day late from the 30 day reporting guideline. They record all of their phone calls. I have requested several times that they produce the recorded conversations that I had with their reps. I am confident if anybody heard these conversations it would be clear that the late payment was due to their inability to give me accurate information in regards to my account status. To make matters worse, I am currently in the middle of a refinance on my home and this 30 day late has raised my interest rate almost .50 percent. This will cost me XXXX of dollars over the life of my 30 year mortgage. I have tried contacting Seterus several times in regards to this matter. Their reply has been " We apologize for giving you incorrect information '' however it is our policy to report accurate information to the credit bureaus '' and we deem the information we reported to be accurate. '' If anyone listened to the incompetent people working for Seterus on their customer service lines it would be clear that they are unsuitable and unfit to be a mortgage servicer for XXXX and XXXX XXXX mortgages. This company should be thoroughly investigated on there customer service practices. It just cost me XXXX of dollars due to the inability of Seterus to service my loan fairly and accurately.
Consumer complaint received 2016-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

Equifax refuses to remove these inaccurate accounts after 4 months of sending them the proof that they are repotring them as such. I require that they send me the physical court petitions that show EXACTLY what they are reporting or they need to be removed immediately. 

Please see letter attached along with proof on credit report that will show you that they are being willfully negligent.
Consumer complaint received 2016-11-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

This dispute and investigation is for Experian Credit Bureau. I had XXXX accounts with XXXX XXXX Bank as a XXXX. These cards were opened at separate times, XXXX in the XX/XX/XXXX XXXX and the other in XX/XX/XXXX XXXX. After losing my job at XXXX I maintained the cards for a little bit but eventually fell behind and let everything crash. The cards were delinquent by the end of XXXX of XXXX. Experian has it documented that the accounts were opened in XXXX and the other in XXXX which is completely inaccurate. The accounts are way older than that and should have been deleted no later than XXXX. I have disputed with Experian that the dates are inaccurate and that they be deleted but they failed to do a thorough investigation and to comply. Experian also is stating the accounts were being paid on time from XXXX to XXXX where then I fell behind which is also untrue. The accounts have been delinquent for years prior. I believe they were allowing the creditor to falsify documents and misconstrue payment history to have the continuous right to keep pursuing me. Also in XXXX XXXX Experian reported the same XXXX accounts as being current late payments that went from XXXX days, to XXXX days, then 90 days late and so on.How can they put old debt on my credit file as being new? I have been trying to acquire a home for myself for years now and these very XXXX accounts have held me back. How can Experian not recognize this debt as being old given that I was XXXX at the time and I am now XXXX. I just wanted to be done with the whole situation where they could n't drop my score anymore by citing " late payments '' so I paid the debt off earlier this year. These accounts still remain on my report and I DEMAND they XXXX be removed once and for all! I am also disputing the fact that they have Enhanced Recovery reported on my credit file. This account should NEVER have been to collections because I was charged twice for this debt before it went to collections ( hence the lack of payment ) because I was n't paying a third time. I had it deleted from my credit file a couple times but as the debt holders changed Experian keeps allowing it to come back on my report as collections which effects my score drastically. I paid the " debt '' off AGAIN in XXXX XXXX just so it would n't appear again and to protect my credit score. This account still remains on my report and I DEMAND it be deleted!
Consumer complaint received 2016-11-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Credit Bureau added back on inquiries to my credit profile that were not on there. I had a fraud protection placed on my account and XXXX XXXX said that it was deleted after 90 days where as I initially put in on their for an indefinite period of time in XXXX 2016. I asked them to provide me with the documents that warrant them publishing this information on my credit file and they said they do n't have any documentation. Thus all inquiries below should be removed from credit profile. 
XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX
Consumer complaint received 2016-10-21
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (VA)

I leased a vehicle from ALLY, paying all payments on time. In turning it in, ALLY lost the vehicle for several months. It sent me a final invoice that included rent for the months that the vehicle was lost, excess wear, mileage and excess taxes that ALLY paid incorrectly. I disputed the charges but ALLY could not provide back-up evidence, including the odometer statement showing mileage on surrender of the vehicle. Instead, collection calls immediately started-night and day. I discussed settlement of the invoice and I was told that would be possible. I sent an Accord and Satisfaction with a check that was immediately cashed, but aggressive and illegal collections resumed, including reporting to the XXXX credit bureaus. I called the ALLY CEO and General Counsel, but they will not return my calls. I sent them a letter advising that the company was violating consumer protection laws. I copied the executive compliance officer. The amounts due are inaccurate and collections violate the Accord and Satisfaction accepted by ALLY. One of the terms of the agreement was that I would retain a positive credit rating. The vehicle was turned in properly and all payments were made. ALLY is violating the terms of our agreement and State and Federal Consumer Protection laws. These intentional violations are a result of a " tone from the top '' of the executive leadership, including the CEO, General Counsel and Compliance Officer.