davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-24
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

We have an extensive number of reports all associated with our problem and situation stemming back 10 months or more. It has handicapped our ability to borrow severely creating financial difficulties. There are two very distinct issues in complaining about the credit reporting- A ] All three agencies- although advised were in sync with, our information they re NOT as witnessed by new complaints [ XXXX XXXX . ] B ] There are other unknown credit reporting agencies feeding information to potential creditors that have incorrect data. How are we to repot and correct them? Previously we identified one and reported but our understanding is there are OTHERS! The complaint is the total lack of concern by your agency to PROTECT consumers from this abuse? We have been rejected in the past week from close to 10-12 lenders.
Consumer complaint received 2017-09-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

XX/XX/XXXX : Called them regarding the escrow shortage letter that we received and it was promised that they would waive the late fee for XXXX 2017 of {$22.00} and plus sent clarification that the rise in the escrow payment would only be for a year. Neither of those have been done. We had a third party examine our closing disclosure and the escrow payments collected from and paid out by the mortgage service provider and not only are we not short but we have an excess of around {$1600.00}. 
Called again on XX/XX/XXXXand they have been unresponsive to our request for getting this cleared up so hopefully this will speed up the process.
Consumer complaint received 2017-11-24
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

We have an extensive number of reports all associated with our problem and situation stemming back 10 months or more. It has handicapped our ability to borrow severely creating financial difficulties. There are two very distinct issues in complaining about the credit reporting- A ] All three agencies- although advised were in sync with, our information they re NOT as witnessed by new complaints [ XXXX XXXX . ] B ] There are other unknown credit reporting agencies feeding information to potential creditors that have incorrect data. How are we to repot and correct them? Previously we identified one and reported but our understanding is there are OTHERS! The complaint is the total lack of concern by your agency to PROTECT consumers from this abuse? We have been rejected in the past week from close to 10-12 lenders.
Consumer complaint received 2017-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

The XXXX account was deleted from my credit on XX/XX/XXXX2016 after I initiated a dispute for the account. Now after reviewing my credit file I noticed it was placed back on my credit and I received no communication of this. This is a violation of my FCRA rights and I would like this removed because this has caused damage to my credit score twice now since it has been re-inserted without any notification in doing so.
Consumer complaint received 2017-11-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: John C. Heath, Attorney at Law, PLLC (AK)

XXXX XXXX, a company that I have never been affiliated with has charged my checking/debit card {$99.00} for the periods of XXXX - XXXX. Totaling {$490.00} in fraudulent charges. I first contacted XXXX XXXX, who said I would have to deal with the business charging my account. I spoke with XXXX XXXX on four separate occasions, each time I was assured the matter was being taken care of, paperwork was being issued to my address, and the charges would stop. After months and hours on the phone with XXXX XXXX, I decided to reach out to my bank again ( XXXX XXXX ) to close my account to stop further charges. At this point the bank told me I had been misinformed and they would help me at this time. As of today, XXXX XXXX, 2017, the charges have been stopped and three of the five charges have been reimbursed. The additional two charges totaling {$190.00} were rejected for reimbursement due to the amount of time elapsed. However, I was within the 60 day limit from reporting the first charge both to my bank ( XXXX XXXX ) and XXXX XXXX.
Consumer complaint received 2017-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Atlas Credit Company, Inc. (TX)

I was used as a reference for a personal loan, this person is apparently late on their payments because I continue to receive calls from the loan company asking me to inform person to contact them. I would receive almost daily calls couple months ago until I blocked the company 's number. I then started receiving calls from employees personal phones. I did tell the company twice to stop calling me but today I received yet another call from a personal phone.
Consumer complaint received 2017-11-25
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (NY)

I have a program set up with Navient that automatically debits my loan payment and they have been taking my monthly payment out for almost a year now. All of a sudden I am getting late payment fees, even though my payment has been automatically debited on time for months! I called Navient and they said do n't worry it was a mistake in the computer and to ignore it well then today I get a notice that my credit score went down for delinquent/late payments to Navient!!!!
Consumer complaint received 2017-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I sent dispute letters via mail in online to Equifax XXXX and XXXX, each of them the sent me results with in five days saying investigation is complete but I do n't understand how you can complete a ingestion with in 5 days. I was apart of the Equifax data breach in it is a lot of stuff on my credit report that does n't belong to me. in the following is as listed XXXX XXXX 's XXXX XXXX XXXX XXXX and also XXXX XXXX
Consumer complaint received 2017-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My Equifax score went down over XXXX points and I cant figure out why. I did have a card go over limit ( XXXX XXXX ) because they added my annual fee which put me over my credit limit. I immediately paid the bill to get it back below the limit and I cant believe this would lower my score by over XXXX points. There were no other changes in my accounts, everything paid on time. Please help!
Consumer complaint received 2017-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (GA)

There is an item on my ( XXXX XXXX ) and my wife 's ( XXXX XXXX ) clue report. This item occurs XX/XX/XXXX : Two seperate accidents reported on both reports itemPer Law,  Lexis Nexus had thirty days to respond to my initial dispute that occurred on XXXX ( case XXXX ) and failed to comply. I called to initiate the dispute XXXX. I then called seeking resolution on Monday XXXX XXXX. I was notified the dispute was open and I could call on Friday as Lexis Nexis had until Thursday to respond. I called back on Friday XXXX XXXX and was told the dispute was closed but there had been no resolution letter or response generated. They would have an individual call me once they figured out what occured and provide resolution. I did n't recieve a call back. On Monday XXXX XXXX I called again and spoke with XXXX who again told me there was no resolution letter generated and confirmed the 30 days had passed. I requested all of my data in question to be deleted per law. She stated she would call me back. After recieving a missed call about two hours later, I called back and spoke with XXXX on XXXX XXXX and was told a resolution letter was now generated and it was read to me. He stated it would be mailed and emailed out to me. As of XXXX XXXX I have not received anything from Lexis Nexis. Per law the items in question must be removed from my clue report as it took longer then what than the allowed time to respond. I have recordings of conversations and documents that substantiate my claim.
Consumer complaint received 2017-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION (FL)

my card was stolen and used about a month month and a half ago they credit some charges but still have me charged for over 2000k i should have a XXXX balance i called today to tell them they forgot charges they told me to call back
Consumer complaint received 2017-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I received a house that i lived in with XXXX XXXX XXXX after she passed away along with her son through her will, missed no payments, but after sending in a payment to Ocwen Loan Company, had the payment sent back and was told the house was going into foreclosure because the payments were behind, what they did was funneled two of my payments into escrow and when i sent in another payment, the sent it back, would not accept any payments, and started foreclosure, for several months they would not even talk to us about the account because we were Heirs of the property. We filed Probate, sent in all the appropriate information which they repeatedly told us the did n't receive, even told our Attorney the same several times after she sent the information to them, they added several thousands of dollars to the account in fees, and we still ca n't get any resolve, there is a class action settlement suit filed by The Consumer Financial Protection Bureau Case No. XXXX for these same actions on multiple other accounts. We filed numerous loan modifications which we never got responses to, we have tried everything that we know to do to resolve this issue with no help at all from Ocwen Loan Company.
Consumer complaint received 2017-11-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have several medical collections due to my sons XXXX presently and before during the time of his birth. There are only a few that are not connected to my XXXX year old son. My question is this : When a person has medical collections, is it proper to have them placed negatively on your credit bureau account? Ive been told by several people that my medical that should not be placed on my personal credit account. I will be making more attempts now to pay off my medical collections, but at the same time I dont feel it should damage my credit score. Can you clarify that for me please? Thank you very much.
Consumer complaint received 2017-03-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I 've had my mortgage since XX/XX/XXXX and I 've never been late. I have automatic debit on my bank account from Ditech. On XX/XX/XXXX the funds were n't available for some reason and I called them several times to charge my debit which they said they were going to do but apparently they never did. Since they do n't bank a physical bank in XXXX I could n't do much and sent the payment because they never charge my bank account and I was going to be late. Anyways they said I was n't going to have a 30 days late they even returned my late fees and everything but on my credit report appears to be 30 days late which is affecting my credit which i take care of. I just want my credit to be clean and is unfair what they did.
Consumer complaint received 2017-11-24
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA (CO)

I was recently contacted by my mother-in-law stating that a sheriff had delivered paperwork from an attorneys office stating that she was being sued, and they were representing XXXX XXXX XXXX XXXX XXXX. In the paperwork it showed that she was the co-signer for myself on a private student loan that originated in XXXX. I then called the company the first number was disconnected, but there was a XXXX number. I was informed that after several attempts to resolve the debt with no response they had to take this action. I nor my mother-in-law had never received documentation only phone calls every once in a while re. the debt. I explained to them that this debt was being paid now with XXXX, and there have been no missed payments. I called XXXX to confirm. They stated that XXXX was not the originator, and that they had documentation that we signed for this loan. I have requested documentation, and we have to go to court XX/XX/XXXX at XXXX in XXXX County. 
I have pulled all three credit bureau reports, and this company does not appear on any of the reports as being a debt. I also called XXXX XXXX XXXX where I consolidated my student loans, and there is nothing showing there. 
I have seen the reports online regarding this company, and I 'm just not sure what to do other than go to court and try and fight this.
Consumer complaint received 2017-11-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

On XX/XX/XXXX I made a payment in the amount of {$580.00} which is 2 monthly payments. This was for the Monday Madness Offer. ( See Attached file ) According to the advertisement it states to may 2 PAYMENTS and CityLoan will make the # rd PAYMENT. These 3 payments, to my understanding, were for XXXX, XXXX, and XXXX. I was n't needed to make a payment until XX/XX/XXXX, again from how the Monday Madness Offer is written. In XXXX I did get calls from Cityloan, with a message of saying to call them. I answered a few times and no one was their and line went dead. I made a payment on XX/XX/XXXX that cleared on XX/XX/XXXX. But come Sunday XXXX XX/XX/XXXX there was a repo tow truck banging ringing door bell! Told me if I did not give them my key they would have to " POP '' the lock. 
Long story short, I could not talk to someone until Monday morning XX/XX/XXXX. Once I got ahold of XXXX XXXX she informed me that the " Monday Madness Offer '' was for " Principal Only '' it was not " 3 PAYMENTS ''. I was so frustrated. 
To get our car back, that was only 22 days late, was to first deposit {$400.00} for repossession fee, and {$290.00} for past due amount, into their XXXX XXXX account # XXXX. Then I had to go to my local police station and pay the {$15.00} fee to remove the repo order. Then thirdly we had to go to the repo yard and pay {$110.00} for 2 days of storage and their {$45.00} processing fee. 
It is now XX/XX/XXXX and I have yet to get an updated statement on our account. 
They do not have any online account access whatsoever. I have yet to receive any notices or statements showing past due, nor any notifications of the car being repossessed!! 
I was about to make a payment now, but decided to look up info on CityLoan online. As a result of what I found online about them, I am sending you this complaint. 
Please let me know what you can do and or what other steps I should take to make sure I do not get more fraudulent charges from this company and protect my wife 's car.
Consumer complaint received 2017-11-22
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. (TX)

Good Evening, I have two fradulent inquiries on my Equifax credit report. I was told to report the issue to the XXXX who reported the XXXX inquiries on XXXX XXXX and XX/XX/XXXX. I followed the directives and the inquiries were removed from XXXX and XXXX within a month of reporting in XXXX. Equifax has failed to remove the two fradulent accounts and puts the blame on XXXX for not sending the electronic documentation stating the two accounts are fradulent. XXXX informed me that the first request was sent in XXXX and they could not send another until 90 days were up. I called XXXX and requested that they send the documentation to Equifax again and send me a letter stating the inquiries were fradulent. I recieved the letter via snail mail and called Equifax today, XX/XX/XXXX. I spoke with XXXX # XXXX and her manager XXXX # XXXX. XXXX told me they had not recieved anything from XXXX and I should call them again and ask them to send the document again. I told her I 've called them several times since XXXX and they say the documentation has been sent. She told me my only recourse is to obtain a police report for the fradulent inquiries. This is very frustrating seeing that my information was comprimised due to the Equifax breech and the fradulent inquiries are likely the result of the breech and the other two bureau 's have removed the inquiries months ago. Any assistance would be greatly appreciated. 

My confirmation numbers for these disputes with Equifax are # XXXX and # XXXX
Consumer complaint received 2017-11-24
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. (VA)

I have been trying to fix my credit report information with XXXX and TransUnion all the necessary supporting document was provided to correct the problem but its seems like they can not provide and accurate information every time I called a information provided its always been different Ive been trying to fix my report since XXXX but until now information is still not fix Ive missed a lot of opportunity to get the House we wanted for our family and Im into the point of contact a lawyer and help me fixing this matter Ive wasted a lot of hours and time to give a very detailed information to make the process faster but until now its not being fix and the worse part is my credit score kept on getting lower because of all the inaccurate information
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

On XXXX XXXX, 2017. I received a copy of my Equifax credit report. I noticed an incorrect address as well as an incorrect Date of Birth. I had a total of XXXX inquiries that i did not authorize. I called each company and they had no knowledge of my request to open credit with them and advised me to contact the credit bureau. I called into Equifaxs customer service and spoke with a representative by the name of XXXX. Badge number XXXX. He argued with me that it was my correct date of birth prior to researching and seeing that i sent in a copy of my license for a previous dispute with them. He updated my date of birth but refused to dispute any inquiries or the incorrect address that is listed on my report. He kept informing me to contact the companies and i had advised them that i contacted each and were referred to them. I then asked for a supervisor. He basically told me that inquiries are something that they keep track of and had no way of knowing if they were fraudulently processed or not. He stated he would not dispute them at all. I asked him do what am i to do, since youve been reporting the incorrect date of birth, wont remove an incorrect address thats not linked to any account on my report or help me get these inquiries removed. I was advised again to contact each company and asked them to have them removed, yet in the same breath he told me this is something that Equifax generates on their own and had no way of communicating with the companies.
Consumer complaint received 2017-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (GA)

I had already paid my debt owed of {$180.00} to my credit to a while and XXXX XXXX XXXX XXXX XXXX took over the account as a collection and send me a letter demanding payment that 's I paid again to the collection agency not realize that I had already paid my credit or there for the amount that I paid the collection agency which is {$170.00} is owed back to me because the balance was XXXX therefore I am requesting a refund of {$170.00} from XXXX XXXX XXXX XXXX XXXX The collection agencies account number is XXXX and the Creditor is wow the last 4 of my social security number is XXXX for some reason this phone will not allow me to enter this information the proper fields
Consumer complaint received 2017-11-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Atlanticus Services Corporation (AR)

In XXXX 2017 I purchased a treadmill from XXXX XXXX because they promised no interest. I applied for their revolving account which it turns out FORTIVA is the lender. Which I was not aware of until I received the approval. When I was approved AT NO TIME was I advised that the NO interest offer would not be honored. I contacted FORTIVA XX/XX/XXXX to advise them of the error. FORTIVA is telling me they will not honor the no interest offer. They say they are a 2nd tier financier. When I applied and was approved by Fortiva they DID NOT disclose that they were not honoring the no interest offer. I would have never bought the treadmill or would have put it on my personal credit card if I knew I had to pay over 20 % interest! I contacted Fortiva XX/XX/XXXX To request that they honor the no interest offer as advertised. They declined. They said I was emailed credit terms. This is not true. I never received anything by email but an approval with no credit terms detailed. I received a paper bill from Fortiva with verbiage about promotional offers but the offer has not been applied to my account, Fortiva even asked me to write a review. I did, detailing their poor business practices. They emailed me that they will not publish the review. Fortiva should be allowed to bait people with promises of no interest and then charge them a ridiculous amount of interest over 20 %. I am paying for the treadmill as quickly as I can, but have already been charged {$300.00} interest. I want the interest payments credited to my account