davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: First Associates Loan Servicing LLC (NV)

Included in my loan agreement is a provision ( found in sectio n ( E ) ( 9 ) ) th at states I am eligible for a three percent ( 3 % ) reduction in the Margin of my Loan if I satisfy certain requirements. Currently, my Margin is 17 % ( without said reduction ). I meet the requirements for the Margin reduction.   I first messaged  First Associates o n  XXXX   XXXX ,    2017 as king for a list of what they would consider sufficient documentation. They did not respond.   I mailed a letter dated  XXXX   XXXX ,    2017 re questing the reduction and provided ample documentation demonstrating my eligibility. In said letter, I requested that I be notified within 10 days if any of the documentation was unsatisfactory. Otherwise, I requested that the reduction be applied to my Margin effective immediately.   My letter and documentation was received  by First Associates o n  XXXX   XXXX ,  2017. I ha ve not heard anything from  First Associates re garding my request, nor has the reduction been applied to my Margin.   I require that they uphold their side of the loan agreement and apply the 3 % reduction to my Margin, retroactively effective to the request date of  XXXX   XXXX ,    2017. M y new Margin should be 14 %.
Consumer complaint received 2017-08-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

My husband and I open a personal loan through OneMain. The company was originally named SpringLeaf. The loan was paid in full XXXX XXXX, 2017. I tried to obtain an letter from the company stating this loan was paid in full ; so I could provide it to the three credit bureaus ; but, was unsuccessful. Attached will be a summary printout from the local office and a statement printout providing {$0.00} balance. Even though these statements are acceptable to me ; there are not acceptable for the three credit reporting bureaus. Would you please assist me with this matter? Thank you
Consumer complaint received 2017-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

A lawsuit was filed against  XXXX   XXXX   XXXX   XXXX  now known as  XXXX   Bank File  number  XXXX  for deceptive and discriminatory credit card practices and now Midland Funding LLC is using deceptive tactics to collect debts. This is not a debt that I owe. Why is this still showing on my credit bureaus?     Collection Agenc y MIDLAND FUND Original Creditor   XXXX   XXXX   XXXX   XXXX   XXXX  Status Open Opened Date  XXXX   XXXX ,  XXXX  Closed Date --  Responsibility Individual Balance {$990.00} High Balance {$990.00} Last R eported  XXXX   XXXX ,  XXXX  Remarks Account information disputed by consumer, meets FCRA requirements Item Results Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it 's going to stay on your credit report, but info has been updated to reflect recent activity.     Dispute Reasons Accuracy : This record contains multiple inaccuracies. Please verify the accuracy of all data.   The terms are incorrect.
Consumer complaint received 2017-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (LA)

XXXX XXXX XXXX has an account listed on my credit report that is not mine. I am not liable for this debt. I have no signed contract or any contract with this company. I am not responsible for this debt owed. I asked the company to validate the debt, they sent me a bill with an address on it that has never been my address and isnt associated with me in any way. I was not notified that this debt would be placed on my credit report.
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (MA)

This is in regards to an ongoing complaint with Bluebird by American Express. I received a check for {$560.00}, but there was a balance of {$800.00}, why did n't I get the whole {$800.00}.
cardholder XXXX XXXX  My name XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX
Consumer complaint received 2017-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

I 've advised this company that I 've never used their services, I don '' t know who they are, this account doe not belong to me. and that they immediately remove this negative inquiry from all  XXXX  credit Bureaus. They have been harassing me with threatening phone calls asking me to pay off this balance.
Last Reported   XXXX   XXXX  , 2017 Collection Agency ABLTY RECVRY Original Creditor   XXXX   XXXX   XXXX   XXXX    Status Open Opened Date   XXXX   XXXX  , 2017 Closed Date -- Responsibility Individual Balance {$950.00} High Balance {$950.00} Remarks Placed for collection ABLTY RECVRY Reported on   XXXX   XXXX  , 2017 {$330.00} Account Details Last Reported   XXXX   XXXX  , 2017 Collection Agency ABLTY RECVRY Original Creditor   XXXX   XXXX   XXXX   XXXX   Status Open Opened Date   XXXX   XXXX  , 2017 Closed Date -- Responsibility Individual Balance {$330.00} High Balance {$330.00} Remarks Placed for collection
Consumer complaint received 2017-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Portfolio Recovery Associates is reporting an account on my credit report. I have no signed contract or any contract with this company. I have never done business with this company. I am not liable for the debt they say I owe. I would like for this company to delete their tradeline from my credit report. I am not responsible for this debt they claim that I owe. I asked this company for validation that I owe the debt. They responded with a bill that has an address that has never been an address of mine. Im not the responsible party. Furthermore, this debt was placed on my credit report without my knowledge.
Consumer complaint received 2017-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Hi my is name   XXXX   XXXX  . Im working with my servicer Select Portfolio Servicing ( SPS ). Recently I have mailed in my for a loan modification Request for Mortgage Assistance form along with all the necessary documents that are essential to having a complete packet. I called in to SPS asked them whats the status and they tell me that they will continue to foreclose on my home. They will be violating my California Homeowners Bill of Rights Act if they proceed with the sale while having a complete full RMA packet.
They still are proceeding to sell my home. I have sent over to them a Complete RMA package and SPS even acknowledged that they have received a Full Complete RMA package. How is this possible that proceeded with a foreclosure of my home when they have a Full Complete RMA package?
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION (MD)

XX/XX/XXXX  M & T Bank is reporting that I paid {$2900.00} per month for an outstanding loan, and it 's keeping me from getting approved for loans or any consumer credit.
 XX/XX/XXXX   XXXX   XXXX   XXXX   {$2500.00} is showing revolving credit, this account was satisfied and closed out in  XX/XX/XXXX  it 's still being reflected on my credit report. I disputed in  XX/XX/XXXX  and was advised it was removed.
 XX/XX/XXXX    XXXX   XXXX   account was disputed, and satisfied still being reflected on my credit report.
 XX/XX/XXXX  M & T Bank {$1100.00} was satisfied in XX/XX/XXXX  still being reflected as a negative result on my credit report.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (CA)

Submitted Visa dispute with bank, dispute ending XXXX on XX/XX/XXXX. Bank failed to issue provisional credit in the amount of {$190.00} for goods not received in violation of Regulation E, and terms of my account. 

PNC was notified XX/XX/XXXX that I have not received any credit, nor any documents from them requesting any additional information on the dispute
Consumer complaint received 2017-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: National Recoveries, Inc. (CA)

In XX/XX/XXXX I entered into a contract with National Recoveries , Inc to rehabilitate my direct loans that were in default. I sent them all of the documents they requested, we made a payment agreement, and they started billing my debit card for a monthly payment of {$190.00}. I was told that after making 10 on time payments I would come out of default and be placed with a lender. During the course of the 10 months National Recoveries called me multiple times insisting they never received any documents from me, that my signature was cut off, that I needed to sign all pages on the side and re-fax, etc. I kept faxing documents in spite of the fact that they must have received them because we had established a payment based on my income. At the end of the repayment period, National Recoveries requested that I electronically sign agreement for them to request my tax information directly from the IRS, which I did. My payment was originally based on my XXXX tax return. National Recoveries requested my XXXX tax return despite my contract and payments beginning in XX/XX/XXXX. I worked a lot of overtime in XXXX as I had two sets of loans in rehabilitation and I was paying for my oldest son to go to college. Because my income was higher than the previous year, National Recoveries told me I would have to pay over {$3000.00} or be kicked out of the rehabilitation program. I was unable to pay the additional money. I contacted the department of education and they told me I was never even placed in rehabilitation by National Recoveries Inc. Eventually, after multiple phone calls, the department of ed agreed to start taking my payments through their default resolutions dept. Unfortunately, no matter how much I send, it does n't touch the principal, only interest and fees.
Despite meeting my obligation and making 10 on time payments for the agreed upon amount, I have never been placed with a lender and continue to be in default despite those 10 payments and additional payments I have sent directly to the dept of ed including my XXXX federal tax refund.
Payments made through National Recoveries : XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. XXXXXX/XX/XXXX. XXXX  XX/XX/XXXX. XXXXXX/XX/XXXX. XXXX XX/XX/XXXX. XXXXXX/XX/XXXX. XXXX  Payments made direct to dept of ed : XX/XX/XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX. XXXXXX/XX/XXXX. XXXX XX/XX/XXXX. XXXX  XX/XX/XXXX. XXXX My other set of loans, placed with XXXX, were rehabilitated and placed with a lender. I have been making payments to the lender for 15 months and am in good standing.
Consumer complaint received 2017-08-01
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Navient Solutions, LLC. (MD)

I obtained a student loan from XXXX XXXX in XX/XX/XXXX. This account was later sold told Navient and was closed/ charged off XX/XX/XXXX. Navient later sold my debt to a collection agency who later transferred the debt to XXXX XXXX XXXX XXXX XXXX. This collection agency has repeatedly called me during all hours of the day during work hours and evening hours. They have also harassed family members whom were down as References these family member have informed me they are being contacted several times a day. It took me calling Navient to find out if their were any income based repayment options for me to find out that my information and debt has been transferred to 2 other collection agencies.
Consumer complaint received 2017-04-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

In  XXXX  or  XXXX  of   XXXX  , Carrington sent me an escrow statement, and explained that my homeowner 's exemption had expired, which resulted in my mortgage payment being raised by over {$300.00}. They told me to g o to my county and ap ply for another exemption, send them the receipt from the transaction, and they would adjust my phkebt. I proceeded to go to the  XXXX  County Courthouse to file for another exemption, which was granted. I sent the paperwork to Carrington, and they told me that they could not accept it, a nd that the county need ed to send it directly to them  (  whic h the county doe s not do ). In the meantime, I was faced with paying the high payment due to them not adjusting my payment as they promised. They said that there was nothing that they could do, even after I tried to send them the {$1400.00} check tha t the county se nt to me as a result of the overpayment. They told me that I would just have to pay the higher payment that I could not afford until the next year. I countinuously called, and finally they lowered the payment a little bit by stretching the escrow shortage out over 24 months, and causing more interest accrual for that period. This is all in effort to make more money off of the customer. I then called at least 10 more times, which is documented in their system. I was calling almost every week since last  XXXX . They have been marking my veesoy report 30 days pat doe, because they set me up for an impossible mission of paying this high amount even though I tried to send in the escrow shortage, which they refused. My credit is now RUINED because of them, and I want them to own the mistake and fix the Lates on my credit. After months of being told that there was nothing that could be done, I called in last month, only to be told that they could have given me a forebearance in the first place. I am LIVID. Now I have to wait years for my credit to rebound because of a lack of competent customer service agents. Please help me fix this!
Consumer complaint received 2017-04-27
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. (IL)

I have made multiple complaints with   XXXX   for verifying my accounts with  XXXX   XXXX . There are  XXXX  accounts that are currently being reported past the  seven  year period of the original date of delinquency. I have made several attempts and most recently speaking with a representative on  XXXX / XXXX /   2017  by the name of  XXXX  and she spoke with her supervisor by the name of  XXXX . What I was explained by both individuals the date of delinquency starts over when the account is made current. I even explained per the companies website this is n't correct.
Consumer complaint received 2017-04-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

" Portfolio Recovery '' calls my home at least 10 time s a day. This has been going on since I moved in  XXXX   2015 . They never leave any message to let me know what this is about. I am a 100 %  XXXX  vet and am tired of getting my   XXXX   XXXX   XXXX    to the phone every time they call. This is harassment. I have no idea what this is regarding as they never leave a message, nor have they mailed anything to me.
Consumer complaint received 2017-08-01
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. (IL)

My vehicle was repossed at 17 days with out notice. When I finally located my car I called with confirmation of payment and I was informed there system was down because the system was down I could no retrieve my car. I had to wait until Monday there system was working I had to pay more storage fees and drive over two hours away to pick up the car from an auction lot. The finance company refused to work with me on removing the reposition from my credit as a sign of good faith since I have been making my payments on time and also there was the issue with the computer system please is there anything that could be done I 'm trying to rebuild my credit and this is causing a lot of problems for me.
Consumer complaint received 2017-08-01
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. (NY)

Around on or about XX/XX/XXXX, I received a phone call from a collection representative by XXXX XXXX, he advised me he was calling from XXXX - XXXX XXXX XXXX XXXX XXXX. about a debt with XXXX ( XXXX ) XXXX XXXX. I advised him that I never lived at the residence he was speaking about and stated that this was fraud. After the call, I checked my credit report only to see that a judgment had been entered against me on XX/XX/XXXXin the amount of {$2300.00}, in XXXX District Court. I called back immediately, and spoke with another representative, in which, I provided him with this information as well as the reference number XXXX XXXX. A few days ago, I received a credit alert upon checking, it shows that this company has put this on my credit report with the dollar amount of {$4000.00} and the account was supposedly, opened onXX/XX/XXXX.
I called again on XX/XX/XXXX, and spoke with XXXX XXXX  again, once again, I provided him with the same information and asked him why they put this on my credit report and the amount and opening date of this account is wrong. I asked him how can you put an account on a person credit report with wrong information. He said that I need to fill out some paperwork and I did n't so therefore, they had the right to do so. The paperwork is about fraud because, I told him that this account was n't mines. I am still trying to get this matter straightened out. However, I want them to remove this account from my credit report since, it is already showing the account has a judgment. I want to know how, they can change the amount from the judgment entered by the same company. Please investigate this company!
Consumer complaint received 2017-08-01
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: EQUIFAX, INC. (CA)

XX/XX/XXXX - Emergency Room visit.
XX/XX/XXXX - ER bills my insurance company for XX/XX/XXXX ER visit ( {$590.00} ). Claim processed and paid.
XX/XX/XXXX - ER bills my insurance company AGAIN for same XX/XX/XXXX ER visit ( {$590.00} ). Claim processed but NOT paid while insurance investigates duplicate charge.
XX/XX/XXXX - ER sends the second/duplicate claim to collections in spite of obvious billing error.
XX/XX/XXXX - Discovered duplicate claim/bill went to collections during the process refinancing a loan. Contacted XXXX XXXX XXXX  to resolve. Paid account in full because I could not afford to have a open collection account on my credit report while applying for loan.
XX/XX/XXXX - Discovered the New York Attorney General Settlement/Credit Reporting Agencies Agreement ( see below ) III. AFFIRMATIVE OBLIGATIONS AND PROHIBITIONS A. Data Accuracy and Quality 3. Medical Debt Collections c. The CRAs shall implement a process designed to remove or suppress known medical collections furnished by Collection Furnishers from files within the CRAs respective credit reporting databases when such debt is reported either as having been PAID IN FULL by insurance or as being paid by insurance.
XX/XX/XXXX - Faxed proof/supporting documentation from insurance company to XXXX XXXX XXXX  indicating original bill was PAID IN FULL by insurance and the that the second/duplicate claim was due to a a billing error. In spite of this I was told that it still would not be possible to have the account " deleted. ''
Consumer complaint received 2017-08-01
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. (CA)

XX/XX/XXXX - Emergency Room visit.XX/XX/XXXX - ER bills my insurance company for XX/XX/XXXX ER visit ( {$590.00} ). Claim processed and paid.
XX/XX/XXXX - ER bills my insurance company AGAIN for same XX/XX/XXXX ER visit ( {$590.00} ). Claim processed but NOT paid while insurance investigates duplicate charge.
XX/XX/XXXX - ER sends the second/duplicate claim to collections in spite of obvious billing error.
XX/XX/XXXX - Discovered duplicate claim/bill went to collections during the process refinancing a loan. Contacted XXXX XXXX XXXX  to resolve. Paid account in full because I could not afford to have a open collection account on my credit report while applying for loan.
XX/XX/XXXX - Discovered the New York Attorney General Settlement/Credit Reporting Agencies Agreement ( see below ) III. AFFIRMATIVE OBLIGATIONS AND PROHIBITIONS A. Data Accuracy and Quality 3. Medical Debt Collections c. The CRAs shall implement a process designed to remove or suppress known medical collections furnished by Collection Furnishers from files within the CRAs respective credit reporting databases when such debt is reported either as having been PAID IN FULL by insurance or as being paid by insurance.
XX/XX/XXXX - Faxed proof/supporting documentation from insurance company to XXXX XXXX XXXX  indicating original bill was PAID IN FULL by insurance and the that the second/duplicate claim was due to a a billing error. In spite of this I was told that it still would not be possible to have the account " deleted. ''