davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX   XXXX, IN XXXX I have two collections accounts recent reported by XXXX XXXX in XX/XX/XXXX for 2 medical collection accounts in the amounts of {$1100.00} and {$830.00}. These are being reported to all 3 major credit bureaus ( XXXX, XXXX, and Transunion ). These 2 collections accounts are being reported as of XX/XX/XXXX with a Date Opened of XX/XX/XXXX. These same 2 accounts were already reported previously by XXXX XXXX XXXX with XXXX XXXX XXXX being the original creditor. The 2 collection accounts reported by XXXX XXXX were in the amounts of {$1100.00} and {$830.00}. Both accounts were deleted from all credit bureaus as these were falsely reported accounts. XXXX XXXX 's collection accounts had Reported Dates of XX/XX/XXXX, and Date Opened of XX/XX/XXXX. So as you can see, not only are their discrepancies in dates, but it is obvious these are the exact same accounts just resold to another debt collector, despite the fact both accounts were already deleted and removed from all my credit reports. I was never provided notification, or allowed to contest this information. Once a debt comes off of your credit report, no furnisher, creditor, debt collector or credit bureau is legally allowed to reinsert it, disguise it and re-report it, without notifying you and giving you the opportunity to contest it. Is this not correct? I am in the middle of being approved for a mortgage and this is an absolute joke that the bureaus even allowed this information to slip past and be re-reported. Quite honestly I could pursue legal avenues and not only get my credit report cleansed of the false information, but I am also likely entitled to monetary damages. XXXX XXXX has already been contacted twice with no response received. XXXX validated the debt even though it is clearly a re-reported account that they themselves already deleted from my report when it was initially filed under XXXXXXXX XXXX   XXXX. I opened disputes with all credit bureaus, and a complaint with the XXXX against XXXX XXXX. In which, XXXX immediately responded and said for me to reach out via email. Which I have twice, and have received no response. I will continue to open complaints, and seek legal counsel if these are not removed. These are in complete violation of the FCRA. It is an FCRA requirement that the credit reporting agency notify you no later than five days after the date of reinsertion. It doesn't take a rocket scientist to realize these are the exact same debt collection accounts, just being reported under a new collector and new account number. Do your jobs credit bureaus it would take 2 minutes to realize these amounts tie out to each other and should have never been reinserted, not to mention it is in direct violation since you never sent me a notification.
Consumer complaint received 2018-05-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX I have two collections accounts recent reported by XXXX XXXX in XX/XX/XXXX for 2 medical collection accounts in the amounts of {$1100.00} and {$830.00}. These are being reported to all 3 major credit bureaus ( Experian, XXXX, and XXXX  ). These 2 collections accounts are being reported as of XX/XX/XXXX with a Date Opened of XX/XX/XXXX. These same 2 accounts were already reported previously by XXXX XXXX XXXX  with XXXX XXXX XXXX being the original creditor. The 2 collection accounts reported by XXXX XXXX were in the amounts of {$1100.00} and {$830.00}. Both accounts were deleted from all credit bureaus as these were falsely reported accounts. XXXX XXXX 's collection accounts had Reported Dates of XX/XX/XXXX, and Date Opened of XX/XX/XXXX. So as you can see, not only are their discrepancies in dates, but it is obvious these are the exact same accounts just resold to another debt collector, despite the fact both accounts were already deleted and removed from all my credit reports. I was never provided notification, or allowed to contest this information. Once a debt comes off of your credit report, no furnisher, creditor, debt collector or credit bureau is legally allowed to reinsert it, disguise it and re-report it, without notifying you and giving you the opportunity to contest it. Is this not correct? I am in the middle of being approved for a mortgage and this is an absolute joke that the bureaus even allowed this information to slip past and be re-reported. Quite honestly I could pursue legal avenues and not only get my credit report cleansed of the false information, but I am also likely entitled to monetary damages. XXXX XXXX has already been contacted twice with no response received. Experian validated the debt even though it is clearly a re-reported account that they themselves already deleted from my report when it was initially filed under XXXX XXXX XXXX. I opened disputes with all credit bureaus, and a complaint with the XXXX  against XXXX XXXX In which, XXXX   immediately responded and said for me to reach out via email. Which I have twice, and have received no response. I will continue to open complaints, and seek legal counsel if these are not removed. These are in complete violation of the FCRA. It is an FCRA requirement that the credit reporting agency notify you no later than five days after the date of reinsertion. It doesn't take a rocket scientist to realize these are the exact same debt collection accounts, just being reported under a new collector and new account number. Do your jobs credit bureaus it would take 2 minutes to realize these amounts tie out to each other and should have never been reinserted, not to mention it is in direct violation since you never sent me a notification.
Consumer complaint received 2016-09-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

This is my second complaint and my continue issue with Specialized Loan Servicing servicing my loans. I have XXXX portfolio loans that were sold to SLS from XXXX. SLS has been holding my checks and then sending me late fee notices. I have filed a complaint on this with your department previously and I received letters from SLS stating all is fine. Well, in retaliation or what I believe is retaliation of my complaint, they held XXXX of my payments and posted late, however, my clearing bank shows the check was process and paid prior to my late date. SLS then waited several days after cashing my check to post it to my account and mailed me out statements telling me I owe late fees and that I am now behind in my mortgage. As a real estate investor and property owner of many properties and rentals for nearly 40 years, I have never had issues with a lending or servicing institution such as this. I mailed in my XXXX payments on all XXXX of my loans serviced by SLS again SLS has held those checks, cashed them and waited until after the late fee date to apply the payments. My late fee date is XXXX XXXX, my checks were mailed on XXXX XXXX and cleared my bank on XXXX XXXX, yet SLS processed late fee statements to me on XXXX, XXXX, still not posting my payments. I have called SLS and after much, much and more run around on a phone system that does n't work well, I got in-touch with an operator, I was refused when asked to speak to a supervisor and was given a verbal confrontation by the operator about I did n't mail in my checks. What can you do to help me with this alleged fraud at this company?
Consumer complaint received 2018-05-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

Collection agency ( Portfolio Recovery ) purchased a debt from XXXX XXXX XXXX in XX/XX/2016. Portfolio Recovery contacted me at my work during working hours and demanded payment of {$400.00} on numerous occasion. Since my employer was now involved, I agreed to a payment schedule of {$69.00} a month in which I paid the first payment with my debit card over the phone. After making the first payment, I reviewed my financial records and could not find where I had ever had an account with XXXX XXXX, therefore I disputed the debt with Portfolio Recovery and in return they sent my a copy of an electronic bill from XXXX XXXX. I responded to Portfolio Recovery stating that this was not my debt and requested a document from XXXX XXXX bearing my signature showing that this was in fact my debt. I then received the same copy of an electronic bill that did not have my signature. I made the second month payment of {$69.00} and then I contacted Portfolio Recovery by phone in which their Customer Service Agent stated that I owed {$260.00}. I told the agent that this was not my debt but she insisted that I would still have to pay or the collection would be on my credit report for seven years. She then stated that if I would pay the remaining {$260.00} that Portfolio Recovery would agree to remove from my credit report if paid in full. I then made a debit card payment in the amount of {$260.00}. After a few months went by, I check my credit report from the three major credit bureaus and found that two of them still listed the collection on my report. I have filed numerous disputes with both the credit bureaus and Portfolio Recovery and each time I receive the same notification that they have verified this debt to be mine and each time I receive the same copy of an electronic bill from Portfolio Recovery. This issue has been going on for almost a year now and I can not get any resolution from either the credit bureaus or Portfolio Recovery.
Consumer complaint received 2018-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX, I placed an order to install customized drapery for my home with XXXX XXXX, decorator for JCPenny. I signed the contract and the drapery was to be installed within 8 weeks. 
After waiting for more than 19 weeks, I was appalled that the wrong drapery style was installed. After the installation I showed the contractor the style I and the decorator agreed on, he said that is different style. He said he will contact XXXX, the decorator. The same day I texted a picture of the newly installed drapery with the style I ordered to see the difference ( see attachment ). The difference is obvious. At first she was trying to convince me that it is the same style. The same day I emailed the store manager about  the issue. She emailed me the next day and said the she will look into the issue. On Friday XX/XX/XXXX, XXXX came to my home to see the installation ; She saw that the wrong style was installed. She said she would email her supervisor to see what the next step will be. 
On XX/XX/XXXX she called me and said that she will not redo the installation. I will have to pay for a new order in full and she would give me 50 percent off on the previous order ( The wrong style ).. This means I wont get reimbursed for the wrong style that was installed. I would have to pay in full for a new order, and then she will give me 50 percent off on the wrong order, which was her fault. 
Since they refused to help, i disputed the charge with their Credit card ( XXXX XXXX ).  Unfortunately they did not try to resolve the dispute. Instead they sent me a letter after about 2 months stating that " Special order items are charged at the time the order is placed is placed rather than when it is delivered ". They used the wrong reason to deny my claim. The actual reason for the dispute was JCpenny failed to install the right drapery. 
The text messages I exchanged with XXXX ( the decorator ), and the pictures of the style I was expecting, and the style installed showed that I was misled tremendously. The evidence for the case is overwhelming. I have attached pictures for the style installed, and the style I was expecting. I have also attached a copy of my email exchange with the store manager, and my text message exchanges with the decorator.

I had two decorators come to my home to check the installation. They both said it is not the same as the one XXXX agreed to order. 
I am disputing a total charge of XXXX dollars posted on two occasions : XX/XX/XXXX and ; XX/XX/XXXX. 
I have attached supporting documents
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

I have two inquiries still showing on my Equifax credit bureau from XXXX both in XX/XX/2016 and are two weeks apart from each other. I wrote to the office and called the customer service department where the person XXXX could not find my information. I requested both of these to be removed from Equifax and XXXX XXXX and it still shows. This only shows up on Equifax but there was no contact information showing on each inquiry. This was more fraud being done since it was made twice without my authorization in XX/XX/2016
Consumer complaint received 2018-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (WI)

On XX/XX/XXXX I was alerted by XXXX that my address had changed to a XXXX XXXX located in a different state. Since I have never lived at this address I became extremely concerned. However, I also recognized this address as the same city and state my ex husband lives. In speaking with XXXX, I learned that it was the Federal organization, NelNet, where my student loan is, who reported this address to the credit bureaus. I went on line to my NelNet account, and sure enough, someone had changed my address without my knowledge or my consent. I immediately contacted my ex by text message, and he did confirm that he had been receiving Nelnet mail at his address in my name. I spent several communications with Nelnet to have my address changed back to the correct address. When making my most recent payment, on line, I noticed that my account address had been changed again to a different address which is also connected to my ex husband. Although my ex husband is a co signer to my NelNet loan, I am the primary loan holder and the information is in my SSN. The divorce does not allow my ex husband to be an authorized payer within the Nelnet account. He must submit his payment to me and then I make the monthly payment. In speaking with a NelNet Adviser my concern for the seriousness of this situation was minimized and he even insulted me by referencing my complaint as " bickering '' with my ex husband.

When I asked the NelNet Advisor if someone from NelNet could contact me whenever someone tried to change my address by phone, he said " No. '' In addition to my credit reports, my NelNet 's  personal tax info now has my ex husbands address on it. 
I spoke with the post master in the state where I live, and he was able to provide me with a print out of my forwarding address requests, which confirmed that I never lived at the address in question or made a forwarding request for it. The post master explained that since I'm receiving all other mail at my correct address, someone from that address must have contacted NelNet by phone and made this address change directly with them. To do that they would need to know my full birth date, or even possibly my SSN to make those changes over the phone. Since NelNet refuses to accept any responsibilities in the role they played in this, and since the credit bureaus won't allow me to dispute an address you never lived at until you resolve it with the creditor, I'm at a loss as to what to do next. Can you please contact me to tell me what I can do to resolve this and to protect myself from this organization? 
Thank you.
Consumer complaint received 2018-04-24
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: Resurgent Capital Services L.P. (MO)

XXXX Credit Reporting Agency, un like the other 2 is misrepresenting my credit profile with information that goes against the language that's governed by the FCRA, language inwhich assures an consumer that if the account is not verified with hard copies of such verification then the account shall be removed. Not only has it be 30 days its be more like 120 days but yet XXXX  is still reporting false information inwhich I'm demanding be deleted from my current credit report.
Consumer complaint received 2018-05-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: LendKey Technologies, Inc. (PA)

I am the co-signer on my daughter 's private student loan. She obtained a XXXX XXXX XXXX XXXX degree in XX/XX/2014. She obtained a wonderful job approximately two months later with a well-known international company. She travels around the world doing XXXXXXXX XXXX XXXX XXXX XXXX XXXX.

It is nearly impossible for her to make her private student payments on time ( in addition to her federal loan payments ) due to her pay schedules and the exorbitant amount of the loan payments. Her payments on this loan alone well exceed her rent payment, she owes more than she borrowed even after three years of payments, and we have just learned that she has only been paying the interest ( at 8.73 % )! Soon, LendKey will begin tacking on principal, tool.

Worse, LendKey 's website never seems to accept payments correctly, resulting in missed/late payments and nasty penalties and credit problems. She has no choice but to call LendKey representatives in person at the end of each month to make payments manually. The company has been promising to fix their horrible site for many months now and yet nothing has been done. 
This student loan scam is a crime. How is this not illegal? These loans seem designed never to be repaid and to keep the former student in debt forever. How can today 's young professionals expected to buy a car or a house when they have no money left over each month to even buy food? This is a terrible, corrupt system.
Consumer complaint received 2018-05-29
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. (MA)

I was going through my credit report from the 3 major credit bureaus ( transunion, XXXX, and XXXX ), and noticed Items that i've attempted to resolve with them for 4-5 months now and still shows unresolved with the same erros. These items have multiple inaccuracies and it's a total violations of state and federal laws and regulations ( FRCA, FDCPA, etc ).
Consumer complaint received 2018-05-29
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. (TX)

On XX/XX/XXXX I paid XXXX XXXX {$150.00} on account number XXXX XXXX for the final bill that they did not send to the correct address originally so I could pay it. I talked to a representative by the name of XXXX from XXXX XXXX there number is XXXX and she assured me that this account would be now changed on my credit report from collection status to paid in full and that the account was now closed. The confirmation number that this account was paid in full to XXXX XXXX is Name XXXX XXXX XXXX. Afterwards, on XX/XX/XXXX the account updated on all three credit reports as removed and paid in full. I thought that was the end of this situation but two weeks later on XX/XX/XXXX the collection agency that I disputed before about this account by the name of XXXX XXXX XXXX XXXX or XXXX XXXXXXXX XXXX placed me back on collections with the credit bureaus showing inaccurate information that this account has not been paid at all. Now once again I call the collection agency and they say that the account is showing paid in full and it shouldn't be showing on my credit report as a collection. I call XXXX XXXX they say the same it was paid in full and should not be shown as a collection on my credit report. I need this to removed immediately. On a side note The representatives from XXXX XXXX as well as XXXX XXXX were not helpful nor cooperative, as well as very rude. When I asked to speak to a manager or supervisor they did not direct me, told me I wasn't allowed to speak to one and on numerous occasions they also hung the phone up on me. I am very unhappy with the treatment I received.
Consumer complaint received 2018-05-04
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. (MA)

Equifax reporting XXXX XXXX XXXX amount of {$670.00}. I have disputed this account with XXXX XXXX and Equifax. After dispute XXXX and XXXX removed the account and Equifax removed the account then placed it back on. This account does not belong to me.
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was denied opening a bank account due Bank of America reporting a negative information on XXXX XXXX XXXX XXXX. This is harming my ability to obtain a bank account.
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, 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. (TX)

I found repeated hard inquiries opened by companies listed on my credit bureau report of all 3 bureaus ... .I sent certified letters to the reporting agencies and credit company that ran these hard inquiries and my letters were received threw certified mail ... ..I received only letters back from the Transunion bureau and 2 credit companies stating they didn't have to prove I authorized these repeated inquires by any written authorization constituting permissible purpose or consent by me. My complaint was dismissed and ignored by these bureau 's. ( Note ) My open XXXX XXXX Credit   account and XXXX XXXX XXXX Credit Card account ... those 2 inquiries are accurately reported and in good standing ... I do not dispute those. My name is XXXX XXXX XXXX My Social Security is XXXX My home Address is XXXX XXXX  XXXX XXXX. XXXX XXXX, Tx. XXXX I have the signature confirmations showing the certified letters were indeed recieve on XX/XX/2018 Requesting the hard inquiries.. I did not authorize be removed immediately. 
My requests were denied by all ... It has hindered my ability to have access to apply for any credit period. Thankyou for your attention on this matter. XXXX XXXX XXXX