davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My TARP/HAMP 1TD modified mortgage from XXXX ( XX/XX/XXXX ) was transferred to my currenter loan servicer SPS in late XX/XX/XXXX/early XX/XX/XXXX from a previous loan servicer XXXX when XXXX sold my loan. For a little over six years, I made principal and interest payments with all three loan servicers ( XXXX, XXXX, SPS ) of {$870.00} a month pursuant to the Loan Modification Agreement. Then in XX/XX/XXXX, and without notice, SPS stopped collecting the principal portion of my monthly mortgage payment ( via auto debit ) that was approximately {$350.00} a month. In XX/XX/XXXX, when SPS again failed to auto deduct the principal pay-down, I called them for an explanation. From XX/XX/XXXX through XX/XX/XXXX, I called every month for an explanation, and every time I called, I could NEVER get beyond the call-serving level of SPS to speak to a supervisor about why they stopped collecting the principal payment. The legions of call-service representatives with whom I spoke made a variety of guesses but could only confirm that they had been previously collecting a principal payment every month ( which at first they denied ) but were not anymore. Then in XX/XX/XXXX I received a notice from SPS that my fixed interest rate of 2.5 % was being adjusted to 3.75 % and would adjust every XX/XX/XXXX hereafter. My monthly calls to SPS increased significantly throughout XX/XX/XXXX and XX/XX/XXXX, but I could never speak with the same person about what was happening to my loan terms. In mid XX/XX/XXXX, I met with a branch manager of  XXXX who also called SPS on my behalf. XXXX and I believed the XX/XX/XXXX Modified Loan Agreement was fixed for 40 years at 2.5 % and, in effect, the original ARM was permanently modified ( as was my equity line with XXXX, which they still own and service pursuant to the TARP/HAMP mortgage rescue program ). Sometime in XX/XX/XXXX, SPS moved my incessant telephone questions into a category they called research, but only after I wrote a letter dated XX/XX/XXXX ( attached to this Complaint ). Once XXXX began representing me, SPS moved my inquiries into dispute. In late XX/XX/XXXX, after four or five calls from XXXX ( with me present and sometimes handed the phone ), SPS said the XX/XX/XXXX Loan Modification Agreement lacked two keywords : Fixed before 2.5 % interest rate, and permanent, which did not appear in the caption of the agreement or anywhere in the body language. XXXX and I believed the modification was fixed and amortized to a payment in full date in XX/XX/XXXX ( see paragraph 2 of the agreement ). In short, some phantom supervisor at SPS unilaterally decided that because TARP/HAMP ended in XX/XX/XXXX, I was now back in the terms of the original ARM ( dated XX/XX/XXXX ).
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act XXXX Account name XXXX, Account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-10-10
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. (FL)

I have recently disputed the following accounts with XXXX and requested validated proof of collection accounts or " remove '' from my credit report. XXXX is to make sure or demonstrate that ( something XXXX is true, accurate, or justified. 

XXXX. XXXX XXXX XXXX Account XXXX XXXX. XXXX XXXX Account XXXX I have sent these letters with return receipt attached and have verified that they have received my request for complete removal of these account. They have ignored my dispute requests and instead of make sure this information is 100 % accurate, they have violated the law by continuing to report these accounts as " accurate '' with NO proof. 

I even called on XXXX/XXXX/XXXX and spoke with XXXX male representatives who were completely rude and even told me that the FCRA doesnt require them to get any proof of re-disputed accounts if requested by consumer. XXXX, whom i spoke with first, told me that he didnt care what FCRA laws I was reciting, and he laughed and when I asked to speak with supervisor he hung up on me which prompted a XXXX call. When i called back i reached another agent who at first seemed professional but tried extremely hard to get me off the phone. When I asked why had n't i received any validated proof yet these accounts still remained, he said he didnt have them, but they conducted investigation and all they needed was a response from company stating that information was " correct '' with no valid physical proof. 

I disagree with Experian and how they have conducted my countless disputes to rectify this issue that has caused me and my family such hardship. Experian has displayed such poor procedure and policy to insure maximum accuracy within my credit report yet the law is crystal clear as to there legal obligation to remove such accounts that can not be verified.
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have tried on numerous occasions to get the 3 credit bureaus to accurately report my accounts. I explained that one creditor XXXX XXXX would deceptively change the account numbers every time I submitted an account verification request. They have sent me letters all 3 credit bureaus that they would no longer investigate my previous claims which is a direct violation if the fair credit reporting act. This had drastically hindered my ability to obtain credit. If it is not handled appropriately I will be forced to take legal action. I also asked for proof of verification methods of my alleged accounts and I was never provided with it.
Consumer complaint received 2017-10-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

Cash central XXXX XXXX called me to collect a payment I defaulted on. I called company to take the payment out would not help he said I defaulted so now someone else was taking over my account transferred me asked the person for a payment arrangement of XXXX a month laughed at me and said it would take 5 years to pay this off. Very rude said that was n't enough and they ca n't help and would prosecute. I have to idea who this company is and sounds like they have doubled what i originally owe. They call and harass me on my phone fron New York XXXX both companies are very rude and ridicule you. Tried to make payment arrangement by me calling them but wo n't accept XXXX a month and that 's all I can afford.
Consumer complaint received 2017-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (IN)

I have had something appear on my credit for {$390.00} -- it was from Enhanced Recovery and they have advised that the original credit was XXXX XXXX XXXX .. it has an opened date on my credit report of XX/XX/XXXX I have tried to call the company and explain that this was not my debt and that my service has been with another company for over 8/9 years -- they did mail me something but it was not anything with a signature or anything proving it was me.. it was like a final bill from XXXX XXXX XXXX -- I need this removed -- i also tried on XX/XX/XXXX to dispute it through XXXX and it just came back as verified correct -- but it is not.. and they refuse to provide proof of the original debt -- They did have a bill but without a signature on something it is my feeling that this could have been anyone -- and they are still reporting negatively
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2017-10-10
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. (IL)

I have tried on numerous occasions to get the XXXX credit bureaus to accurately report my accounts. I explained that XXXX creditor XXXX XXXX would deceptively change the account numbers every time I submitted an account verification request. They have sent me letters all XXXX credit bureaus that they would no longer investigate my previous claims which is a direct violation if the fair credit reporting act. This had drastically hindered my ability to obtain credit. If it is not handled appropriately I will be forced to take legal action. I also asked for proof of verification methods of my alleged accounts and I was never provided with it.
Consumer complaint received 2017-10-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation (GA)

I have not received paperwork/a contract from this business who is attempting to collect an alleged debt from me. I sent a letter on XXXX XXXX, XXXX and requested a validation of an alleged debt in the amount of {$720.00} to World Acceptance Corporation to no avail. In the letter, I requested the agreement bearing my signature stating that I agreed to assume the debt, the agreement stating the amount of said debt along with any accrued interest, as well as complete payment history for the debt allegedly belonging to me. In addition, I also included in the letter the account number tied to this debt that shows on my credit reports. I find that the response that I received from World Acceptance Corporation is unacceptable, and I believe the response to be a stall tactic. Validation of a debt is forwarding copies of the actual proof of the alleged debt and account in my name with my approval or signed statement of contract with the service per FDCPA. The response that I received from the creditor, World Acceptance Corporation, for validation was considered " frivolous '' in their words. I am dismayed that my concern for my credit, as important as it is, is considered frivolous by this company. It is my right, by law, to have any debt reported on my credit validated. I have provided World Acceptance Corporation with the account number which they themselves reported to the credit bureaus, and they still seem unwilling and/or unable to to validate this debt that I allegedly owe. This collection is a stumbling block on XXXX XXXX to homeownership. Considering that this business does not have a contract with me for goods or services they allegedly provided nor have they provided adequate proof, I am pleading to have this item deleted off of all of my credit reports in fairness of my rights with the laws and regulations of the FCRA.
Consumer complaint received 2017-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (RI)

This complaint is in reference to my student loans and the current loan amount due. 
I worked as a waitress when I graduated from high school in XX/XX/XXXX and went back to the XXXX XXXX in my state after 10 or more years after high school. I worked full time and attended school nights and earned an XXXX XXXX XXXX and acquired computer skills to apply for a secretarial job. I was encouraged to continue to transfer to a four year college and work towards a XXXX XXXX. At the time I had company reimbursed tuition. I was laid off at the company in XX/XX/XXXX and that is when I borrowed funds to continue my education. It took many more years to finally finish as I worked full time and encountered other company down sizing. I did not find a job right after finishing the four year degree in XX/XX/XXXXand that is when the loan balance grew to what is now an unmanageable debt. I originally borrowed $ XXXX and now owe over $ 90K. A regular payment is {$880.00} which is more than my mortgage and currently on an income based payment which is {$420.00} or so per month. 
This payment structure is interest only and will never in this life time pay this off. I need assistance in being put in harms way due to higher inflationary interest charges at a vulnerable time. This loan is structured to be in forebearance and accrue high interest for a chance to develop experience to apply for a higher paying job.
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Since XXXX XXXX I have been diligently working to improve my credit scores. 

On XXXX XXXX, XXXX my Experian score improved from Good XXXX to, on XXXX XXXX, XXXX, Very Good XXXX. 
On XXXX XXXX, XXXX my score dropped to XXXX, a 91-point drop. 

I called Experian Membership and they explained that the computer 's algorithm somehow went back and was trying to calculate a " Settled '' account from XXXX XXXX. 

I was told to screen-shot the two scores and the problem would be submitted to the technicians and resolved. THIS ENTIRE EVENT WAS A FOUR-HOUR PHONE CALL. 

The e-mail address I was given was invalid. 

I called the next day and spoke with a supervisor in Membership who promptly apologized for the rep telling me about the algorithm problem with the computer. 

I then asked the supervisor whether he could explain to me the drastic drop in my score and why there was a Late Payment now appearing on my credit score that had not been there for four months previously.
He then proceed to look at my credit report and explained that I had a derogatory account on my credit report, which was the 4-year-old " Settled '' account.
That is why there was a drop in my score.
I then asked as to why it was not scored for the previous four years and within the month, XXXX, it was scored. 

The supervisor began to tell me that I should look at the Score Simulator that Experian offers to its members and it would give me the percentage that late payments are scored into all credit scores. 

I asked of what help that would be to me since I have had no late payments in the last year. 
He did not offer an explanation, so I asked him, " bottom line, can you tell me which creditor, lender, etc. reported a late payment? '' I would like to dispute the late payment with the creditor. 
His answer was, " No '' he could not tell me. 
I then proceeded to ask him how am I supposed to dispute a late payment if your agency can not tell me who reported it. 
Furthermore, how can you place a late payment on my report when you have not knowledge as to who reported it. 
He told me " He '' did not place it there and " He '' could not remove it.
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Kohl 's department store reported me to the credit bureau on XXXX or XX/XX/XXXX for non payment. I just realized this today when attempting to refinance my residential property. 

I recall this whole situation as it developed starting on XX/XX/XXXX. 
* Balance of {$600.00} was due XX/XX/XXXX with minimum {$25.00} * Made payment on XX/XX/XXXX ( Sat. ) on Kohl 's website ( online ). Paid balance in full {$600.00} * Kohl 's received payment processed/cleared on XX/XX/XXXX * My payment cleared my bank on XX/XX/XXXX * Received monthly Kohl 's monthly statement XXXX &XX/XX/XXXX * I never looked at statements for XXXX & XX/XX/XXXX. Believing there was a {$0.00} balance. 
*XX/XX/XXXX received statement/bill highlighted in a different color. Opened this time. 
* Statement indicated a finance charge of {$1.00} for XXXX plus a late charge of {$27.00}. Same for XXXX {$1.00} for finance charge and late charge of {$27.00}. 
**Talked with Kohl 's customer service Rep. on XX/XX/XXXX. I outlined everything mentioned in this letter.Kohl 's Rep. said this should not have happen. 
XXXXKohl 's Rep action ; a ) Late charge for XXXX refunded ( {$1.00} ) XX/XX/XXXX b ) Late charge for XXXX refunded ( {$1.00} ) XX/XX/XXXX c ) Merchandise finance charge refunded for XXXX ( {$27.00} ) XX/XX/XXXX d ) Merchandise finance charge refunded for XXXX ( {$27.00} ) XX/XX/XXXX Lastly, this same situation happened 10+ years ago with Kohl 's . It  stayed on my credit even when Rep. said it would not. Its finally cleared years later.
Consumer complaint received 2017-10-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NC)

I contacted XXXX XXXX on XXXX/XXXX/XXXX after reading on there website they said. We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. I advised the Rep name XXXX XXXX that I suffered from two XXXXXXXX  XXXX. She asked what they were I told her my illness are XXXXXXXX and XXXX. I had to explain to her what they were, she had no understanding of the illness. She began to google and read to me what the definition said. I told her that I was n't able to work and I was n't receiving any money from any sources. Then after I realized that she had no idea or understanding I asked to be transferred to a US Rep and she finally did. her name was XXXX XXXX and she was of no help. The more I had to repeat my self over and over my XXXX begin to flare up. I advised both of them that my health issue were not going to get any better.
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was never late 30, 60, or 90 days late. I am not sure how this happened. I believe that I had made my payments to the companies when I received my statements. My only thought is there was a billing error with my statement because I have always made my payments on time. 

I contacted the companies in regards to this matter but they never responded. Also during the time the late payments took place My Identity was stolen. I have sent them letters, made calls but not response these accounts is hurting me and I need the matter resolved.
Consumer complaint received 2017-10-10
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. (TX)

My information was compromised with the Equifax Breach and on Friday ( XX/XX/XXXX ), I was told that I could not dispute my inquiries as they are a factual part of my credit report which was false. I expressed my right to dispute any incorrect information on my credit file as I saw fit. He said that he filed a dispute to have the items removed but in a phone call with another representative on XX/XX/XXXX that representative let me know that a dispute was never done. She once again tried to tell me that the information was factual but she claimed to have put in a dispute with conf # XXXX in which I do n't even know if the dispute was actually put in or if I was lied to again.
Consumer complaint received 2017-10-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (NJ)

The Debt Was Paid. Total of {$350.00}. XXXX has sent letter stating PAid -in-Full. 
Equifax, and other agenices continue to report the bad debt.! 

PLEASE HAVE AGENCIES REMOVE THE LINE THAT STATES DEBT IS STILL OUTSTANDING COMPLETELY.!
Consumer complaint received 2017-10-10
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (ME)

Transworld Systems Inc. XXXX XXXX XXXX XXXX , DE XXXX is trying to collect on a college loan that was hardship discharged after the death of my husband in XX/XX/XXXX. I 've had no further correspondence regarding this loan until this past year when now they said I am delinquent and trying to attach to my wages. They have already taken my tax returns. They do n't call, they do n't answer calls, they do not send any paperwork. They never contacted me regarding any payroll withholding so they are doing this without my permission and I 've ready received a release from withholding from them when they tried to do this in XX/XX/XXXX and my payroll department contacted me. They are trying again in XX/XX/XXXX and I 've sent paper work to them twice that they have released me from withholding already but my employer says the will have to withhold if Transworld does not contact them to straighten this out.
Consumer complaint received 2017-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WI)

I have been making qualifying payments under PSLF since XX/XX/2013. Recently my loans were transferred from XXXX to XXXX XXXX. Currently XXXX XXXX is showing zero qualifying statements. They also show my current status as both in forbearance and 9 days delinquent. My main concern is that all past payments be counted as qualifying payments under PSLF. XXXX XXXX   said it could take up to six weeks for them to review my past payments. They should have started this process back in XX/XX/XXXX when my loans transferred.
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Stellar Recovery, Inc. (PA)

I have called stellar recovery Inc. several times over the past two years. My XXXX XXXX account states and I quote This agency did not report a closed account to this bureau it was for a XXXX XXXX bill for {$39.00} which has been paid ( for over three years now ) .I have requested that stellar remove this collection from my credit report and stellar stated that they can not. I ask why and the representative said only the three credit bureaus can. So I sent in a request to the credit bureau to have it removed and it was denied, because they said stellar and I quote This agency did not report a closed account to this bureau. Im getting really tired of the back and forth with this company stellar recovery Inc. I just want it removed from my credit report! The debt has been paid in 2014. Im not understanding why its so difficult for them to remove it.