davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-21
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. (VA)

BETWEEN XX/XX/2018-CURRENT I HAVE REACHED OUT TO XXXX, XXXX   AND EXPERIAN TO TRY AND HAVE MY PERSONAL INFORMATION UPDATED SUCH AS MISSPELLING OF MY NAME, OLD ADDRESSES, INACCURATE PHONE NUMBERS, ACCOUNTS THAT SHOULD NOT BE SHOWING AS OPENED ON MY ACCOUNT AND I HAVE ALSO ADVISED THEM OF HARD INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. ALTHOUGH EXPERIAN DID WORK A LITTLE WITH ME, THESE ITEMS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS GETTING RIDICULOUS.
Consumer complaint received 2018-01-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I completed a dispute for an account listed on my credit report as a collection from Portfolio Recovery Associates. Being that I have never done business or signed a contract with them I asked for validation of debt owed in XX/XX/XXXX. I received a letter on XX/XX/XXXX,  which is after the allowed 30 day period, that included their " validation of owed debt ''. This letter only states how much was owed at the time. The letter never notified me of my rights under FDCPA and FCRA to dispute any information I deemed as inaccurate.
Consumer complaint received 2018-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (GA)

I was considering putting my house on the market and the agent told me what we would list for. I decided not to sell right now but realized I should have PMI removed since the the market has improved significantly since I purchased my home. Caliber Home Loans offers two options for removing PMI 1 ) full  appraisal and 2 ) Broker Provided Opinion. 

I chose the BPO. The Broker came to my home on XX/XX/XXXX. I told him that a bonus room was added and I wanted to make sure that was reflected in the sq footage. The Broker told me that he had to use the sq footage on the tax record unless I could give him the appraisal that shows the sq footage has increased. The bonus room was added before I purchased the home but after it was originally built. I didn't have a copy of the appraisal but told the Broker that he can get that from Caliber. The Broker said it would have to come from me. I called Caliber around XX/XX/XXXX and they mailed me a copy of the appraisal showing the sq footage to be XXXX vs XXXX which is on the tax record. On XX/XX/XXXX I received the appraisal AND a letter from Caliber saying I did not meet the requirements to remove the PMI, my LTV is 78.390 %. I didn't receive a copy of what the Broker gave them as far as what sq footage the Broker used, comps etc. 

Around XX/XX/XXXX I called to confirm that he used the actual sq footage and NOT the tax record because there is appx 300 sq ft difference. I called the Caliber XXXX number to ask for a copy and what sq footage the Broker used and if he had used comps. I spoke to agent XXXX. She said she could not give me that information and my only option was to appeal the decision by completing the " contact us '' form. She said there was no one I could actually speak to. I completed the form twice since speaking to agent XXXX and have not heard back from anyone via email or phone. I also sent a message via twitter asking that someone contact me and never heard back from anyone. 

I paid for the BPO so don't understand why I can't get a copy but more than that I don't understand why I can't find anyone that will actually speak to me. I would like to see what the Broker used to make his decision. 

I have attached the original appraisal to show the actual sq footage and the last 5 homes that sold in my subdivision as well as the denial letter. The average per sq ft is {$110.00}. If you multiply that by my ACTUAL sq footage that is {$250000.00} and I owe {$190000.00}. That is 76 %. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

BETWEEN XX/XX/XXXX I HAVE REACHED OUT TO XXXX, EQUIFAX AND XXXX  TO TRY AND HAVE MY PERSONAL INFORMATION UPDATED SUCH AS MISSPELLING OF MY NAME, OLD ADDRESSES, INACCURATE PHONE NUMBERS, ACCOUNTS THAT SHOULD NOT BE SHOWING AS OPENED ON MY ACCOUNT AND I HAVE ALSO ADVISED THEM OF HARD INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. ALTHOUGH EXPERIAN DID WORK A LITTLE WITH ME, THESE ITEMS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS GETTING RIDICULOUS.
Consumer complaint received 2020-12-22
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: BARCLAYS BANK DELAWARE (CA)

I am writing to BARCLAYS BANK DELAWA agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting BARCLAYS BANK DELAWA agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2018-05-20
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. (LA)

Complaint being filed towards Experian for incorrect reporting on XXXX XXXX  Account Verification information for proof that I XXXX XXXX XXXX is filing this complaint and it's not a fraud complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX Phone : XXXX Date of Birth : XX/XX/XXXX I have called and disputed this transaction with Experian and also thru the CFPB which Experian stated on both disputes that XXXX XXXX  account has been closed and does not report on my credit report which is a lie. Experian will delete the account and two weeks later will put the account back on your credit report and blame it on the creditor. I have contacted XXXX XXXX several time inquiring if they informed Experian to put the account back on my credit report and they said no. XXXX does not report monthly to Experian any longer due to the account is paid off in full. I spoke to the Vice President of Customer Service at XXXX  XXXX XXXX XXXX and she was the representative to inform me of the information I am providing. I am requesting Experian to remove and XX/XX/XXXX late payment reporting on my XXXX XXXX Account immediately. I have enclosed documents showing proof that the settlement check was cut, received and deposited by XXXX XXXX in XX/XX/XXXX. The attorneys I have hired from XXXX XXXX will fight legally with Experian to get the account removed permit but at this time due to the proof of payment in full to XXXX XXXX in XX/XX/XXXX I am requesting the late payment to be deleted immediately!
Consumer complaint received 2017-11-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (FL)

mt student loans went from XXXX XXXX to Navient & I was due last year for a deferment so I called and they said I was approved based off my income and was good to go and could pay if I was able to & if I was not able to no worry about it I would need to re apply for deferment in XXXX XXXX 2017 so I tried calling and doing another deferment and ask why on my credit is it showing on some months I did not make payments they said was not showing in their system I had a deferment for those months but the were random which does not make since and they have refused to help me figure out the issue and why the repayment is so high they want me to pay as much as 1 and half of my weekly checks I can not do that as a mom of XXXX & when I offered to try & pay $ 20- {$30.00} here and there the denied stating I can not make a partial payment must be in full which does not make since if I was in deferment now I have all this supposed extra interest. they are not helpful at all and Im to the point they just need to be forgiven since they do not want to work with me.
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CO)

I filed a complaint with XXXX XXXX the issuer of my XXXX XXXX XXXX, on XX/XX/2018 that I was the victim of fraud on my credit card. My husband pressured and forced me to turn my card over to him right away. He charged it up to the limit and never let me make any purchases at all. I was the victim of domestic and financial abuse. 

I called today to find out the status, and was told that I benefited from this. I don't understand how I benefited from being the victim of domestic abuse. They said I had to file a police report, but, if I did that, my husband -- who I don't live with and am in the middle of a divorce from -- could possibly hurt me physically. That's even if the police were willing to take a complaint. 

I'm still a victim of fraud even if I don't want to risk getting hurt by reporting it. Taking away my access to credit and putting a wrongful debt against me is profiting from domestic abuse. I didn't ever get to use the card. 

The company gave me a fax number to reopen my fraud complaint, but, it wasn't any good. I tried to fax the attached documents but it didn't work.
Consumer complaint received 2018-05-21
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. (CA)

i FILED A COMPLIANT WITH cfpb AGAINST XXXX XXXX XXXX because they reported a payment late on an auto lease when it was not The account in question was with XXXX XXXX XXXX XXXX I got an apolgy from XXXX and a promise to correct the status XXXX and XXXX subsequently corrected my report ... Trans Union did not I have disputed with TU 3 times ... spoken on the phone with TU for hours and still my report shows this account as 30 days late for the XX/XX/XXXX payment which is absurd because i never made a payment in XX/XX/XXXX XX/XX/XXXX or XX/XX/XXXX because the car was turned in early I received a final bill and it was paid by the XX/XX/XXXX due date I don't know what it is going to take to get TU to fix my credit report. I am at my wits end with them and hopeful that the CFPB may get some action.
Consumer complaint received 2017-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd (FL)

Nationwide Recovery Systems ( NRS ) ( XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone XXXX 

This company is fraudulently trying to collect debt that his been paid. 

I 've sent them a copy of the receipt which reads the original account number issued by the medical provider. However, NRS claims this is not the account because it does n't match the account number issued by their agency. 

The amount they are fraudulently trying to collect is {$930.00} which is the exact amount on the receipt I sent. The medical provider is the same, the amount is the same, and the date of service is the same. Yet, they claim it is a different account with the same exact amount on the same exact date with the same provider. 

I 've checked with the provider and the account paid is the only account they have. There is no second account on the same date for the same exact amount. 

I need for the harassment to stop. I paid my debt and do n't want to be extorted into paying it again. 

I appreciate you looking into this matter.
Consumer complaint received 2018-05-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

The Company that I would like to make a complaint about is the company that go by the name of XXXX XXXX XXXX. Now it has been renamed as One-Main Financial. They sold my account to a third party debt collector, XXXX XXXX, pretending to be an attorney office. 

When I lost my job in XX/XX/2012, I owed a balance of $ XXXX.Additionally, while I was employed, I had the type of insurance that if you loose your job, the insurance should cover it. Long story short, I informed them of this. I was told to keep making payments from my unemployment checks until the insurance would take over and pay debt. I was put on a payment plan that lowered my payments but the interest rate of loan had doubled. I confronted agent over this, she stated that there was nothing that she could do. I was paying faithfully, every month with double the interest rate. The more I paid on this account, the higher the interest rate became. I confronted agent again, she stated I should continue to pay even if I had lost my job. 

After contacting company about balance, they stated that I should be getting something in mail. I took a visit to company, I was told same exact thing. I called several times and was told same thing. 

After several months, of paying what I could, the loan had ballooned into {$2500.00}. They had tripled the interest rate. Now today, they state that I owe them {$6000.00}. and more. At this point, my debt had been sold to a third party. I asked about the balance, they stated that they did not have that information and that I had to contact the third party debt collector. This collector was XXXX XXXX, they stated that they were an attorney office and if I did not pay full balance I would be arrested. This is abuse of power and harassment. They would never give me a verification notice of the amount that they incurred from XXXX/One-main Financial.
Consumer complaint received 2017-11-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

SPS did not tell me ( written or verbally ) that my house was put in foreclosure. I did not recieve any certified letters or anytging. SPS took it upon themselves to notify XXXX XXXX XXXX XXXX an attorney and counselor at law to put my house in foreclosure. I have an attached letter stating that XXXX XXXX sent dated the foreclosure letter for XXXX XXXX2017. I called SPS and they told me they did not know why XXXX XXXX sent the foreclosure letter without their approval or before they informed me of the foreclosure date. I am in a predatory loan and at new law was passed that protects homeowneemrs against predatory lending and any interest rate over 5.5 % is considered predatory. I have a 8 % loan SPS should be informed that it I am a victim of predatory lending I can sue the bank. Please, stop the foreclosure and give me a modification.
Consumer complaint received 2023-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

Venom had been holding my money passed the 180 days span. They been holding my money since late 2020. My funds are just sitting in the account. They promised that my funds will be released after 180 days but no answer after that mark. I would like to take legal actions to get my money back to me
Consumer complaint received 2018-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (OK)

i have asked Medical data systems and XXXX, XXXX, and XXXX to validate this debt. i have asked for the information that are using to be sent to me that proves this is my debt, I DON'T GIVE PERMISSION TO ANY OF THE LISTED NAMES ABOVE TO HAVE MY MEDICAL RECORDS, SO DO NOT TRY TO PROVIDED AN ITEMIZED STATEMENT FOR THAT DOES NOT VALIDATE A DEBT UNDER FTC OPPENION LETTER THE NEED TO PROVIDED AT, PROMISSERY NOTE OR AGREEMENT MADE BETWEEN ME AND THE ORIGINAL CREDITOR THAT SHOW AN AMOUNT THERE NAME MY NAME AND HAS MY SIGNATURE. THAT IS THE ONLY VALIDATION THAT WILL BE EXCEPTED BY ME AND BY ANY COURT. 
IF I DONT GET THIS INFORMATION THAT IM REQUESTING ILL WILL FILE IN OKLAHOMA COURT AND SEEK FOR THIS INFORMATION AND IF THEY CANT PROVIDED IT AT THAT TIME I WILL ALSO ASK FOR A MIN. OF {$1000.00} PER REPORT. 

IF THEY PROVIDED AN ITEMIZED STATEMENT THAT HAS ANY OF MY MEDICAL RECORDS OR CONDITION ON THEM I WILL THEN SEEK FOR MAX ALLOWED IN COURT AND FILE WITH ATTORNY GENERAL SEEK MAX FINES. 

I'M ONLY ASKING TO VALIDATE ACCOUNT WITH A CONTRACT THAT BEARS MY SIGNATURE THATS IT.
Consumer complaint received 2018-05-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (TX)

This account was paid off as agreed. The principle and interest was paid in full in XX/XX/XXXX. There was only a balance of estimated 400.00 left on the account. The finance company advise that my vehicle would not be repossessed due to paid in full. I just wouldn't receive my title until that amount was paid. In XX/XX/XXXX, my vehicle was unlawfully repossessed. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts. I was told they sold my account to a collection agency and they were the ones who repossessed my vehicle. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts from my credit.
Consumer complaint received 2017-11-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fay Servicing, LLC (OR)

XXXX sold my loan to Fay Servicing ( about {$5000.00} left ).
Fay Servicing wants to add insurance to my loan amount for a home that is non-existant, just like XXXX did. 
They sent me a policy from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX Delaware XXXX 
The certificate they sent says the insurer must be licensed to operate in my state, I tried to get some kind of insurance, with no home to insure, and my insurance lady said there was no insurance company in Oregon that would issue such a policy. So I do n't believe XXXX XXXX XXXX. XXXX and Fay Servicing have the right to charge me for a homeowners insurance policy when there is no home. 
They are also putting any money I pay that is over the payment amount required into a non-applied account? I have requested on the phone and in writing that I want any money over the payment to be applied to the principal, but they do n't do it. 
They are stealing and cheating.
Consumer complaint received 2018-05-19
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. (NJ)

I've paid off the debt with the collection agency and was given a letter that they have instructed the credit bureaus to remove the account from my credit profile but Transunion continues to report on the account as open and unpaid.
Consumer complaint received 2018-05-21
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. (TX)

The entire time that I have had this XXXX card, they have incorrectly done things to my account. They have never sent me a statement to my mailing address, they completely got my name wrong on my card, they wouldn't accept my payments in store, just constant headaches. My biggest headache is that they have tarnished my credit with a late payment in XX/XX/2017. Don't know where it came from, asked them to send detailed documentation showing where statements were going, payments that were made, and everything else.
Consumer complaint received 2023-05-20
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. (AL)

When I investigated my credit report, I realized that the same accounts were erroneous. XXXX and TransUnion are required to reinvestigate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-21
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. (TN)

I had a medical bill that was assumed by myself in the amount of {$420.00} that was paid in full. I disputed the claim after the creditor agreed that I would pay the amount to delete from my credit report. After waiting 60 days, I contacted the bureaus ( XXXX, XXXX, Experian ) again. The reason am I now filing a complaint is they have notated my account falsely and severely hurting my chances of obtaining new credit. 

They have put remarks into my account that I have received " Personal Receivership - Repayment by Court Trustee '' in paying this debt. NOT TRUE. I have NEVER even been to court, let along filed bankruptcy. I have no record of any other collection except for this account amounting in {$420.00} that I paid and submitted receipt for from my XXXX card. 

When I bought my vehicle 2 months ago, they came back to me about a bankruptcy!!! I was appalled! I have called the bureau several times, and disputed this account 4 times now. I will be obtaining a lawyer and moving forward with this, as this is hurting my livelihood. I have worked hard to earn the credit that I have, and now this is slamming me and my integrity into the ground. I have attached receipt to original debt that I paid with my XXXX card.
Consumer complaint received 2018-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (TX)

My son in law got a student loan some years ago without my approval but using me as a cosigner. My son in law is XXXX XXXX XXXX who lives now in the XXXX suburbs. The loan was taken out at least six years ago possibly longer I'm not sure.

The company involved is Navient. They call here three times a day and when my daughter tries to talk to them they won't allow her to speak to them. Even though she is still XXXX XXXX XXXX  wife and my daughter. She has told them that I have had a XXXX and I can no longer speak on the telephone. Besides the XXXX interfering with my XXXX XXXX XXXX is very XXXX and XXXX them would be difficult. She has sent in the power of attorney that I gave her but they still refuse to speak to her. But they still keep calling.

How can I settle anything or explain my side of the issue if they won't speak to me. Now my son in law is working full time at a very good job where my daughter and I live on social security. Why aren't they going after him?

I get no help when I mail them and with them refusing to speak to my daughter their calls are noting more than harassment. Can you please help.