davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-01
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Accounts Account Name Account Type Open Date Status Balance CREDITACPT Auto XX/XX/XXXX Closed {$300.00} Account Details Last Reported XX/XX/XXXX Creditor Name CREDITACPT Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 42 Months Monthly Payment {$250.00} Responsibility Individual Balance {$300.00} Highest Balance {$7100.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$300.00} Times 30/60/90 Days Late 0/0/0 Remarks Payment after charge off/collection Returned voluntarily Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 


Creditor Contact Details CREDIT ACCEPTANCE CORPOR XXXX XXXX XXXX, MI XXXX Above I have sent my credit report on the issue regarding to my voluntary repossession in XX/XX/XXXX. Now in are present date my checks are still being garish ; as u seen above it stated that my last payment was on XX/XX/XXXX which is not current cause my employer pays me weekly. Also my balance say {$300.00} and previous my check on XX/XX/XXXX was garish. If my paid weekly and last payment was XX/XX/XXXX I 'd over paid and still getting my checks garish.
Consumer complaint received 2016-07-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AZ)

I am trying to get a home loan, my load originator helping us states I have a " Hard '' forclosure code on my credit report with Equifax because of a house we did a " Deed in Lieu '' with in XXXX XXXX. I contacted Equifax by phone and was told I have to put in a dispute and I did on XXXX XXXX XXXX. XXXX XXXX I got an email stating my dispute was resolved. I called Monday XX/XX/XXXX and was told my dispute was denied by the XXXX. That they state I still owe money. For one I disputed wrong reporting which was explained very clearly on my cover letter. I attached the Cash for keys XXXX and my taxes submitted to the Federal Government to pay my taxes on it. We also did have an Accountant do our taxes and submitted the correct paperwork with the federal government on this giving up the house to the bank. I was not foreclosed on and with that I should be free to buy a home right now vs waiting 7 years. The other person i bought my house with is not having these issues. His credit report is showing forclosure but according to our loan officer it is mine showing a " hard ''. I have lost faith that the Equifax will ever help me correctly in changing the code on my credit to a " Deed in lieu '' vs a foreclosure and would like you to help in this situation. I have all paperwork showing and available upon request.
Consumer complaint received 2016-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have been trying to improve my credit score for 9 months now and I have disputed several things on each report that were incorrect. I notice that after they are removed that some of them are put back on ... this makes no sense!!! I also have paid and am paying on some of these accounts that they are showing and the credit bureaus do n't have the information accurate. What do I have to do to get my credit reports accurate? Please help!!!
Consumer complaint received 2017-01-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Riverwalk Financial Corporation (TX)

I saw that my credit scores dropped. I had a collection from Deville Asset Management on my credit for XXXX stating that it is from XXXX. My account with XXXX was paid in full and closed. This agency is not bonded to collect in my state. They never sent me a statement or letter stating that they are putting anything on my credit. This is a violation of the FDCPA AND THE TEXAS FINANCE CODE
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

I just started paying back my student loans in XX/XX/XXXX. I received my first statement from Navient with my amount due and due date and could n't believe it. The amount due was over {$900.00}. I 've called Navient multiple to ask if my monthly payment can be lowered and they wo n't due anything for me. All they tell me to do is have my cosigners call and give financial statements explaining why they ca n't help me pay back the loan and then they can see if I qualify for a repayment plan. So even if my cosigners called, there 's still no guarantee of lowering my payments. I explained to them that I do n't want to get my cosigners involved. I told them I want to repay my debt myself, but they need to work with me to make the payments more affordable. But as of now they still are n't trying to work with me in anyway.
Consumer complaint received 2017-01-20
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Service Finance Holdings, LLC (TN)

We were over 30 days late making a payment on this loan account. The loan company reported this to the credit agencies ( as we would expect them to do. ) However, they have reported that our loan was a mortgage. It is not a mortgage loan, it is a non-secured installment loan for an HVAC unit. We have asked repetitively for the company to change this or give us a written statement that this is not a mortgage loan so we could have it changed, and they refuse. We paid to have this investigated by XXXX XXXX. These are the results we received. " The rescore/investigation for XXXX XXXX is now complete. RS ... XXXX XXXX IN INVESTIGATION XXXX WAS UNABLE TO SPEAK WITH A LIVE REP ' ... XXXX XXXX COMPLETE 'ACCOUNT CURRENTLY DISPLAING AS TYPE XXXX HOME IMPROV. INSTALLMENT LOAN AND NOT MORTGAGE ... XXXX XXXX COMPLETE ... XXXX XXXX ORDERED ( XXXX ) What this means is they were able to receive an update with the correct information from XXXX ( XXXX ) & XXXX ( XXXX ). They were not able to speak with someone from XXXX and have therefore opened an investigation that should be done within 30 days./The creditor responded to XXXX on XXXX and stated account currently displaying as type XXXX home improvement installment loan and the creditor responded to XXXX on XXXX stating account currently reporting correctly as a mortgage.
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (NY)

I did not apply for credit card or anything from XXXX Bank but they made XXXX inquiries on my record. Actually besides XXXX, I have not applied for anything so all the inquiries on my reports should be removed.
Consumer complaint received 2016-12-06
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I refinanced my home equity line of credit with Bank of America in XX/XX/XXXX. This year they contacted me to advise that under a new program I can qualify for a lower interest rate. I applied. In XXXX they advised that they were not able to approve the application because " loan to collateral value ratio exceeds lending guidelines ''. Verbally I was told that I could qualify for {$40000.00} less then my present balance. 
I assume they are saying that my house went down in value at least {$40000.00} in XXXX year since they refinanced me in XX/XX/XXXX. The property was reassessed for XX/XX/XXXX by XXXX XXXX XXXX, and the assessed value increased by thirty-three percent ( 33 % ) since the last reassessment. 
I write to Bank of America on XX/XX/XXXX, to request information as to how they can justify their determination. To date I have not received a response.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NJ)

I currently have XXXX separate loans with Navient. XXXX out of the XXXX loans have a 6.75 % interest rate. The other loan has a 13.375 % interest rate. When I inquired as to why there was such a difference in interest rates, I was told they were different types of loans. I did not receive a solidified answer and was told they would submit a request to look into it. 
My second issue is that my statements are not reflective of my applied payments. Again, when inquiring why my statements were not reflective of payments made, I could not receive a clear answer. 
As a borrower, I have rights to know where my money is going, how it is being applied, and how the interest rates are calculated.
Consumer complaint received 2016-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TRANSUNION & XXXX XXXX XXXX did NOT provide me a XXXX release that releases my medical information to transunion, also this item was removed from my credit report then put back on my credit report under a new account number XXXX, I have all my record letter, therefore by providing such information they are in VIOLATION of my XXXX rights also the FCRA..
Consumer complaint received 2016-12-06
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ID)

i am receiving a threatening letter from a company called Portfolio Recovery Associates , LLC ( address is XXXX, VA XXXX ) telling me I owe several hundred dollars on a XXXX credit card I havent used in a couple of years. I called them, and they told me they are handling the account for XXXX Bank ( which handles debts for XXXX XXXX and that my credit rating is at risk. When I contacted XXXX, who connected me to XXXX Bank, they tell me my account balance is XXXX and that they have never heard of Portfolio Recovery Associates and do not ever sell their accounts to other companies.
Consumer complaint received 2016-12-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

To whom if may concern : This complaint is toward Beneficial, member of HSBC consumer and Mortgage Lending. 
I refinanced my home on XXXX/XXXX/16 from Beneficial. The refinance company paid off the mortgage of Beneficial in the amount of {$86000.00}. The pay off on the house was {$85000.00}. Beneficial sent me a check for {$680.00} Short of {$410.00} of what I should have gotten back. 
XXXX/XXXX/16 statement is as follows Explanation of amount due Principal {$83000.00} Principal {$190.00} Deferred interest balance {$1500.00} interest {$360.00} Deferred insurance balance XXXX Life insurance {$46.00} That comes to {$85000.00} Monthly payment of {$600.00} XXXX/XXXX/16 statement is as follows Principal {$83000.00} Interest {$1900.00} where did this come from Escrow {$680.00} Insurance {$44.00} why did they take out and pay insurance on a {$0.00}. Balance. 
Fees and charges {$26.00} Total {$86000.00} I spoke to XXXX XXXX on XXXX/XXXX/16. Beneficial has not responded. 
They owe me money.
Consumer complaint received 2016-12-03
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

XXXX 2011 my purse was stolen out of my car and was reported to the police along with all my financial institutes. My credit went from XXXX to XXXX due to several bank issues one was mainly Chase bank. There was a $ XXXX charge that was in dispute that was note by chase as a failure to pay. After months of them not doing anything I paid the amount. They refuse to take all the late marks off my account along with posting that it was a write off and it was not. They are also refusing me any line of credit due to my credit score which was no fault of mine. I want this off my credit report.
Consumer complaint received 2016-12-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Collections Acquisition Company, Inc. (GA)

kept calling my phone, asking me to pay the bill, and refusing to speak to attorney, attorney asked them remove this from my credit and provide her with the necessary party that provided them the information, they refused.
Consumer complaint received 2016-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

I have been part of the IBR repayment plan since 2013. In XXXX it was time to recertify my income for the next year. I filled out the application on studentloan.gov and attached my IRS tax return. 

I have XXXX servicers currently : Navient and XXXX XXXX. XXXX XXXX recertified my participation in the plan and is in the stages of calculating my payment. Navient denied me because they said my income is to high. To my understanding once I am in the IBR plan I can not be kicked out and they must adjust my loans according to my income and balance of loans. If my payment would be higher then the 10 year standard rate. I would pay that while remaining on IBR. To my knowledge they can not deny me, as it is only a recertification, please help.
Consumer complaint received 2016-12-21
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I went into a wells fargo bank branch on Friday XXXX/XXXX/16 to open another savings account. I was told there was something stopping me from doing that. After many hours of in person and phone contacts I was told that there was something stopping them from opening the account, perhaps a life lock freeze or credit bureau freeze and I needed to contact XXXX and XXXX which I did. They all said the same thing that I had a 7 year warning due to prior identity theft and I should be contacted at the correct phone number to ensure that it was me asking for credit or opening an account. I have had no luck getting wells fargo to understand this and am extremely frustrated. They seem to keep blaming me for putting a freeze on my finances that I have not done and seem incapable of fixing the problem. Ironic given that they are in so much trouble for opening accounts without peoples permission that they wo n't open the account for me.
Consumer complaint received 2016-12-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (GA)

After multiple attempts in writing and phone calls to Navient, the servicer continues to report my loan incorrectly to credit reporting agencies. The errors severely limit my efforts to restore my creditworthiness after I successfully rehabilitated my student loan and consistently making each monthly payment. The specific errors are : 1 ) Although I have XXXX loan, Navient reports XXXX separate loans with the same loan number resulting in a doubling of my student loan debt and monthly obligations to Navient ; 2 ) Navient incorrectly reports my loan as " Balance paid or being paid by insurance. '' This is incorrect and the servicer has failed to remove this remark after several requests.
Consumer complaint received 2016-12-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (GA)

XXXX student loan, sent me a letter agreeing to delete all XXXX accounts off of my credit report. I submitted a dispute with Experian and they have yet to delete the accounts. XXXX deleted the accounts off as agreed in the letter, what is the purpose of submitting documents with our dispute if they are n't going to abide by them. This is n't their credit report it is mines that I am working hard on getting cleaned up, are they following the rules and regulations like they suppose to be. Please help In this matter
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2016-08-03
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Big Picture Loans, LLC (NJ)

Continuous threatening calls at work numerous times a day although I informed him to stop calling my place of work. He uses profanity and attempts to reach other people within my workplace to share my personal business. He leaves voice mail messages and informed me that he has me on a 24 hr. reminder. He informed me that the debt consisted of XXXX companies, but when forwarding the information to me, it only referred to XXXX company for the full amount discussed. I have emailed him on XXXX occasions to dispute/ try and resolve the matter, he has not responded in writing to either XXXX. However, he will call and speak very rudely to me and continue with threatening to seek wage garnishment and alert my coworkers. I hung up on him and he called me right back 10 times consecutively.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

I attended XXXX, which this school has since been CLOSED DOWN, and Navient keeps contacting me to repay my loan, but after reading all of the complaints about Navient I am hesitant about starting a payment plan with this company. I feel as though I should not have to pay off a bogus student loan when the school I attended was not a legit school
Consumer complaint received 2016-12-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (PA)

Old Debt ... that should be off of my account. Charged fees when I travel abroad. I was hit with excessive fees. When My phone was unable to be of use. I had no cell service when I traveled abroad but was charge cell phone fees when I returned to the states.
Consumer complaint received 2016-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (NY)

I have just completed my degree, but I have received no statement telling me who owns my different loans. I have been receiving random letters from various loan servicing agencies such as XXXX and ACS, but they all have different dates at which payment is due and different terms for repayment. I submitted a request for an Income Based Repayment plan on XXXX. Using their IRS disclosure system, it was very quick and simple to complete, but it was only valid for my Dept of Ed and XXXX loans. ACS apparently wo n't allow customers to apply online. Instead you must download, complete, and mail a XXXX page form buried deep in their website. It 's a pain to complete and most certainly is designed to keep students from pursuing this option.
Consumer complaint received 2016-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IL)

I am writing this letter because I am fighting to save my home .Wells Fargo Bank and its attorneys have refused to offer me an affordable modification under HAMP, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. The state court has ignored my pleas in Illinois circuit court case XXXX XXXX. What is the purpose of the Consent Orders in XX/XX/XXXX, XX/XX/XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller and receiving a modification according to value of the property.