davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management (VA)

Debt collector sent letter requesting payment for two year old debt ( XXXX XXXX, XXXX ), owed hospital/E.R., physicians ( {$320.00} ) that was paid, partially by XXXX ( XXXX XXXX ), hospital write off leaving balance {$26.00} paid by patient. NO WAY hospital would have held onto this balance for nearly 2 years. My efforts to obtain the information from collection agency AFS, about who ( name, phone number ) submitted this claim has been non-compliant. They only want my credit card info for collection purposes. I am following the advice of my insurance company who have offered to supply information supporting my claim, as well as hospital records, if needed. I feel the collection agency has illegally obtained outstanding medical records, declined, perhaps, by XXXX.
Consumer complaint received 2017-10-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: GREAT LAKES (TX)

The account with XXXX XXXX XXXX is on all 3 of my credit reports reporting negatively as if I have made late payments? The payments were never late. The account was always in deferment status? I have asked them to show me proof of an actual payment being reported late? They can not because I was not required to make a payment on deferred account. The account is being reported at 90 and 120 days late but never was reported at 30 or 60 days late? I called them today to ask about receiving proof again, they said they no longer have my account and it is being serviced by great lakes? I asked them why are they still reporting this on my credit report? XXXX asked that I give Great Lakes a call but Great Lakes is not reporting me as having a negative student loan on all three credit bureaus with late payments. I want this account removed from all 3 of my credit reports XXXX XXXX XXXX Balance {$62000.00} Account # XXXX ssn # XXXX Dates of delinquency : XX/XX/XXXX and XX/XX/XXXX.

Being reported as late for 3 years.
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2017-10-25
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: TD BANK US HOLDING COMPANY (CA)

XXXX 's client XXXX XXXX is an identity theft victim. His information was used to establish a fraud account with Target credit service/TD Bank without his consent on or around the date of XXXX/XXXX/2016. He notified TD bank of this and was provided a fraud affidavit to complete and return ; which he did. As of this date however Target has not replied as to the outcome of the investigation results as is their obligation under the FCRA and has committed an offense.
Consumer complaint received 2017-10-25
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. (CA)

I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and Experian and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. According to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files TransUnion is again violating the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq., and that CCB 's actions violated the Fair Debt Collection Practices Act, 15 U.S.C. 1692, as was pointed out in the lawsuit. XXXX v. XXXX XXXX, XXXX ( XXXX. XXXX ),
Consumer complaint received 2017-10-25
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: Diversified Consultants, Inc. (FL)

Un Verified Accounts Pursuant to the FCRA & the FDCPA I am filing this complaint to exercise my lawful right to question the validity of two specific debts that all three credit reporting agencies have on my credit file and claims to have become due and negative. According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. I am well aware that under the FCRA section 609 disclosure to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section 605 or can not be verified. All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified! I understand that All Three Credit Bureaus have violated my rights to report these items on my credit report! Fair Credit Reporting Act ( FCRA ) protects me and governs the activities of Credit reporting Agencies and regulates how they report information about me. They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these two entries it has come back as verified within a few days, which further lets me know that they have not fully verified the accounts. They are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. They have failed to show that their agency verified the information and the accounts belongs to me and to show that their agency verified the information before they placed it on my credit report by identifying the proper identification required ( driver license and SS card ) + a written contract/request identifying me.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Sinc
e XX/XX/XXXX2016, I have been disputing the chapter XXXX bankruptcy with XXXX and Transunion. They always states that it has been verified. I requested how this is verified as the courts does not report to the credit agencies.
XXXX removed the chapter XXXX as they could not verify so they removed it.
Consumer complaint received 2017-10-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY (VA)

I took out a private student loan for {$5000.00} with a variable rate in XXXX XXXX, and deferred it until XXXX. I was then told that the balance at that point was {$7900.00}. I toke another deferment for about XXXX-6 months ( which was falsely reported to the credit bureau as late ). However, my complaint is that I have paid {$8300.00} ( not including this months payment ), and Well Fargo still claims that I owe {$4500.00} ( not including the payment I made this month. I tried to refinance this loan in XXXX of XXXX, and they refused to let me do-so stating that my credit was not up to par. I feel like Well Fargo is practicing predatory lending regarding this account, because each time I make a payment the balance seems to stand still or goes higher. Please help me! I feel like I will be paying them for eternity ...
Consumer complaint received 2016-10-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NE)

I am no longer a Wells Fargo customer. I received my social security back payment statement saying I was ineligible for back benefits for XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX. When I examined the amounts I realized that accounts were opened that I never had and large amounts of money were in those accounts. I have been unable to work since XX/XX/XXXX. This is causing a major problem with my benefits.
Consumer complaint received 2024-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (SC)

This is a 2nd mortgage, last year we were notified that it was being transferred from Newrez to Shellpoint Loan/ mortgage Servicing but they are one and the same company. the first payment to Shellpoint was due on XX/XX/XXXX, we were told we didn't need to change anything. 
A few months ago our mortgage statements began stating we were behind in payments and that they had not received any money from us. The monthly payment is always {$420.00} per month. 
We have a weekly auto pay set up for {$100.00} from our checking account straight to them, we have never been late nor missed any payments. 
We immediately called customer services and learned that the weekly installments we set up with Newrez are incompatible with the Shellpoint billing system, causing our payments to be held in an unapplied or missapplied queue. Evidently their system can not not see the payments until an employee manually moves them to the loan account and this only occurs when we call. The first time this happened we offered to change to bi-weekly installments but their CSR said we needn't change anything as now they knew we were paying weekly it would not happen again, but it has continued to happen and we have had to call several times to ask that the money be applied to our loan. Now it seems some payments are missing or lost in their system and are not applied even when we call. 
Each time we call the CSR takes a long time to review our payments and ultimately agrees that we are current and not delinquent. 
I see some changes were made following my most recent telephone conversation with them XXXX but the payment history on their site is impossible to decipher and the XXXX statement still shows we are behind - as will the XXXX one I am sure.. 
However, every payment has arrived prior to the due date, none were missed and we are actually paid through XX/XX/XXXX.
Consumer complaint received 2017-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX Bank of America took {$100.00} from my credit line and put it on my debit card line. After this they charged me a {$12.00} overdraft fee. 

Considering I look at my bank account every hour, I knew that my account had not dropped in the negative on XXXX/XXXX/XXXX. If one were to look at the statement, they would see this ( attached ). 

In addition to this, I never received an overdraft notice. If one were to look at my inbox, snapshot, i was notified of my " overdraft '' on XXXX/XXXX/XXXX at XXXX. In addition to me never overdrafting, this is a deceptive practice as it 's not done in a timely manner.
Consumer complaint received 2017-10-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

Since XX/XX/XXXX I had the paid service of XXXX XXXX with Equifax ( which only monitors the Equifax credit report ) and I have been paying {$14.00} per month. I contacted a customer service representative with Equifax to cancel the service on XX/XX/XXXX. Since Equifax now offers the free service of XXXX XXXX XXXX, which includes 3-bureau monitoring as a result of a recent security breach, I requested a refund of the amount that I have been paying since the announcement of the Equifax breach or the occurrence of the actual breach, which ever was the earlier date. 

On their website, Equifax indicates that they no longer offer subscription products for purchase at this time. The premise of my argument is that I should not be paying for a product when there is free product which offers more value and which only became available because of a mass security breach. 

I made a formal complaint when I called in but I was not able to escalate my concerns at that moment. The customer care representative who was polite but could not offer a resolution beyond directing me to email the company 's corporate email inbox of XXXX I made a formal complaint when I called in but I was not able to escalate my concerns at that moment. The customer care representative who was polite but could not offer a resolution beyond directing me to email the company 's corporate email inbox of XXXX
Consumer complaint received 2017-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NV)

On XXXX XXXX, XXXX, I called Navient to ask for a forbearance while I changed banking institutions and updated my income driven information. I spoke to a representative, who prompted me to change my repayment plan. He took my SS # and bank account number. Navient charged my account on the XXXX of XXXX, per usual, however, " they '' were supposed to charge me on the XXXX according to the new contract. I contacted Navient on XXXX XXXX as to why I was charged, the representative could not assist me. I asked for a supervisor and was on hold for XXXX minutes.I never spoke to the supervisor. I hung up so I could call my bank and cancel that payment. 

The next day ( XXXX/XXXX/XXXX ) after reviewing the contract I had e-signed, I saw an address on the contract. I looked up the address using google and the first hit that was shown was " Navient XXXX XXXX XXXX, XXXX. '' I called Navient once again and they said they were not affiliated with that company. 

I used google to get the Navient phone number when I was connected to " Navient XXXX XXXX Services. '' How is it that this third person company had information about my loans? The reason I trusted this company and fell for their trap was because they new what should have been private information. After calling the XXXX Navient, they disclosed that there is a database that exists that people can look up loan information. 

.
Consumer complaint received 2017-10-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NJ)

In XXXX, when I purchased an new oven from XXXX, I opened a XXXX credit card, which was issued by XXXX XXXX. In XX/XX/XXXX, the bank informed me that they were closing my account because " a number of dishonored payments ''. However, this was not true and the only payment that had been " dishonored '' was an online payment that was not accepted because of a problem with the bank 's website. After I contacted the bank and told them I believed the real reason they had closed my account was age discrimination ( I am currently XXXX years old ), the bank re-opened my account. 

In the winter of XXXX I was having numerous billing problems with my Lowes credit card account. For example, the Lowes bills I received did not include an itemized list of charges, but simply listed the categories of items purchased, e.g. the bill would say " HOUSEPLANT SOILS AND ACCESSORIES ; GENERAL PURPOSE ; COMMODITY SOILS AND SOIL AMENDMENTS '' with a total dollar amount of {$33.00}, instead of listing the particular items, such as XXXX XXXX Potting Soil, 4 lb bag, with the price of each item. 

I was also recieving email messages from the bank saying that my payment had not been received and my account was past due. However, the due date listed on the emails were not the due date on my bills, and the emails were sent 7 to 14 days before my payment was due. The bank also had charged me several late fees totaling over {$100.00}. The bank was also charging me an interest rate of 24.99 %! And on XX/XX/XXXX the bank sent me a letter saying they had closed my account again. 

In earlyXX/XX/XXXXI filed a complaint with the Better Business Bureau about the bank. OnXX/XX/XXXX XXXX XXXX XXXX, Senior Specialist, Corporate Consumer Relations at XXXX XXXX sent a letter in reply to my complaint and agreed to reverse the late fees totalling over {$100.00} that had been charged to my account, and denied that my " age was not a factor considered in this matter ''. There was no mention of the fact that my account had been closed, but I discovered that my account had not been closed despite the erroneous information contained in the banks letter of XX/XX/XXXX. 

In XX/XX/XXXX, when I went to Lowes to make a purchase, the cashier told me that the charge on my Lowes credit card was not approved. When I checked my account online, it appeared my account had been closed again, despite the fact that I had made every payment in a timely manner and my account balance did not exceed my credit limit. The following week, the bank sent me a letter saying they had closed my account, once again, with a list of bogus reasons for doing so. 

I believe XXXX XXXX has discriminated against me because of my age. And they have engaged in business practices that are fraudulent, or at the very least, willfully negligent. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX
Consumer complaint received 2016-07-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Lionstone Holdings Group (MO)

A man called me claiming to be XXXX XXXX. He said that he was going to come by my house Monday, XXXX XXXX with papers for me to sign because I was being sued. If I did not call the number XXXX With the said reff number he would be coming by my house with paperwork to be signed because I was being sued. When I called the number it was to Lionstone Holdings. I am not sure what they want but I have never had a loan through them, nor do I have an unpaid loan. I do n't appreciate a strange man saying he is going to come to my house!!
Consumer complaint received 2017-10-25
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. (FL)

On XXXX XXXX, XXXX I initiated several disputes with all three Credit reporting agencies regarding fraudulent accounts being reported into my credit report. At the time I have applied for a Mortgage Loan and the creditor advised me that I had several derogatory marks in my credit, that prevented me from getting an approval. To my surprise there were 16 account being reported into my credit reports, some with incorrect payment information or resolution and some that were simply not mine. At the moment my credit score was fluctuating between XXXX - XXXX when I initiated the process. After most of my disputes were resolved, still pending 2 accounts and my credit score stayed exactly the same.

I called all three agencies to verify the reasons why my credit score never got recalculated. All three companies assured me that it got automatically recalculated by the computer once the accounts were removed, although there is no difference. They also advised me that if I applied for a mortgage or a credit loan I could get what is called credit re scoring which is basically the bank requesting a re score based on the fact that all my accounts were cleared.This will translate into me paying a mortgage company to re score my credit with this three companies when the companies should have re score in the first place. 

I sent Transunion and XXXX a letter, formally requesting this re-scoring process to them and their response was that I will receive a letter with instructions on how to request my credit score.

In addition, these three reporting companies are not reporting any payment history or credit age on my credit reports, which is also impacting my score. 

Finally out of the three reporting companies both Transunion and XXXX were able to verify the accounts as fraudulent, still XXXX keeps going around on their investigation and updating the account information without really having proof of ownership from the creditors, although I started a Identity Theft claim. 

I do n't believe I should be penalized on my credit scoring due to accounts that were never mine and that hurt my credit tremendously, reducing my credit score on over 150 points. 

Best Regards, XXXX XXXX
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The Social Security Administration was notified that my SS retirement was started. It was not. The address shown by Equifax was the address that was used to begin drawing Retirement SS by the individual - which was not me. I have requested Equifax to remove the address since I have never lived there and it was used by the individual to try and begin drawing my SS retirement benefits. I am not retired and continue to be employed and will be so for several years. 

The SS Administration has reviewed and completed their stop payments, etc. of my benefits to the individual committing the fraud at the address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona, XXXX. 

As mentioned above. I have contacted Equifax to have this address removed, yet to no avail. 

I believe my information may have been part of the information gained by the " hacked '' Equifax database and was used to gain access to my information at the SS Administration. 

Thanks for all your help, Regards, XXXX XXXX