davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-24
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TX)

In XX/XX/XXXX I entered a repayment plan with Pioneer Credit Recovery , Inc. who told me they were acting on behalf of the Missouri Department of Higher Education. The terms were to automatically withdraw {$65.00} per month from my checking account for 12 months, then I was told the loan would be in good standing and could be available for a lower interest rate. I made all twelve payments, then apparently my loan was transferred to XXXX. With the holidays I did n't realize that they stop deducting the payments so I reached out to Pioneer - all they would tell me is that XXXX was my new servicer and I should contact them. When I contacted XXXX they stated my loan was back in default status and that they had been trying to contact me, although I had received no mail or voice messages. Although I was extremely frustrated I agreed to start the entire process over with XXXX, however this time they were asking me to make a monthly payment of $ XXXX+ per month. I was working part time and had no way to pay that amount so they had me fill out all this paperwork. We submitted the paper work they requested, but we did n't hear back from them. We began calling every week - next thing we knew our tax return income had been confiscated by them without our knowledge or permission. We finally got someone to speak with and they only suggested that we file innocent spouse documentation - but what was really amazing is that they loan was still considered to be in default even though they just applied {$1800.00}. to the balance. I filed a formal compliant with Missouri Department of Higher Education on XX/XX/XXXX and had no response. Now my loan has been transferred to XXXX XXXX XXXX with an additional {$660.00} in Collection Cost/Charges and {$100.00}. of interest. I keep trying to resolve this matter, but only end up running in circles!! I have offered to pay {$150.00} twice a month, but XXXX states I will yet again have to complete a load of paperwork before they can tell me IF they will accept this money, all the while my loan continues to accrue more interest and fees. This is absurd and should be against the law. I want to know what the CFPB will do for me? What other information do you need from me to help me resolve this issue? I have never intended to not pay, but now they wo n't accept what I can pay and continue to charge me additional fees, making the total out of my reach. Please help me!!
Consumer complaint received 2016-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I just paid {$19.00} monthly payment to Transunion come to find out they are report my Child Support Account # XXXX as Derogatory account. I called and spoke to the supervisor name XXXX and ask him why is this account being report as Derogatory account when there is nothing on the payment history that makes this account Derogatory, like miss payments, collection or behind in payments. I ask the supervisor to provide me that information so I know how to dispute this account. And the supervisor could not give me the reason why. This unfair to a customer who credit report is everything when it comes to getting funding, besides the fact you have to pay transunion to get your report and the also charge members. The least they can do is make sure any account that is reported to them has a payment history or proof showing why account that is being sent to them as Derogatory so the customer know why. And if it is not done correct it should be remove immediately. No other credit reporting agency is reporting this account as Derogatory but Transunoin. I attach XXXX and XXXX account also. When it comes to credit reporting agency if there is a clear error it should be move right away. How can you call an account that has good payment history, no late payments Derogatory. This is nothing to dispute change the account to good standing account or delete it. I am looking to get funding right now and dispute take up to 30 to 45 days. I can understand if there was evidence of late payments so I could fight that. There is nothing for me to fight but that fact why is Transunion is the only credit reporting agency reporting account XXXX this way and do n't even know why. I attached the payment history and it is reporting ok from Transunion and with that clear evidence there still wo n't make any changes. This is very serious, this can hurt and will hurt someone who is trying to get funding. Error like these that get reported by the customer, when it is there report and the agency does nothing. Transunion should get a fine for violating a customer right of not reporting correctly when the credit report agency should have clear guide line. You can not report negative information with out proof. Even worse report negative where there is nothing negative on the account you are reporting. This is holding me up from getting funding. Why pay to be a member when they do n't care about the member. Transunoin is trying to blame Child Support for this error when the payment history from Child support is showing that I am on time. Transunion is the ones calling this account Derogatory. 
I attached Payment History from Transunion showing no lates I show proof that Transunion is reporting XXXX derogatory account and it is the Child Support Account. 
Proof that XXXX and XXXX They are report as paid and current.
Consumer complaint received 2016-08-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (MN)

Over the past several years Wells Fargo has tried to charge late fees and other fees on my loans. I fought them because I knew I was n't late and I did n't owe them anything. I was never forced to pay anything after I called and fought them. Although I was called several times on several different occasions about fees I owed them. Also to go along with being told I owe them fees, they would not send me paper statements for almost two years. Their reasoning was that they did n't have a current address but the address had n't changed and was a valid home address. On top of all this my loans have been fluctuated in payments each month, I have a fixed rate. I have had a fixed rate since XXXX. I called and asked why this is happening and they said " Because of new government regulations ''.
Consumer complaint received 2018-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P. (FL)

My insurance paid this bill in 2013, the year it was filed. This bill is from 2013 and all of a sudden it appears as a collection with no written notice at the time of trying to purchase a house. Amount is XXXX , collection company is paramount recovery systems. My insurance contacted them, with me on the line, to give them information of the bill being paid and they will not take it off. My insurances has since sent me the statements of where it was paid in 2013. I can not get a hold of said dr. And hospital has nothing on file.
Consumer complaint received 2016-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On my credit report it has an address listed that I have never lived nor have I ever been to that state. And another case where I have a misdemeanor under my name. My wallet was stolen from me in 2007, please give me some advice as to how can I remove this from my report.
Consumer complaint received 2016-08-24
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a " Kohl 's '' charge account which I always have paid more than the amount due. I did not always receive my bill on time, a few times I had been late. I found that I was being charged more than what I owed because of them adding a very high late charge, when I had already sent in the payment. The last time I got XXXX of these late charges I paid it with a small balance on my account. I owed nothing. Next thing I know they send me a bill with a late charge as the balance and a interest amount on top of it. I contacted them and told them what was going on and they just kept trying to collect it, I then received another bill and a phone call, on the call I explained to them what had happened and they told me that there was nothing they could do. I asked to speak to a supervisor, when I did I explained that my bill was already paid off in whole and that their whole balance was in late charges added after the fact. She said she would take XXXX fee off but not the other. I told her I would not pay either XXXX. I recently received another bill with the amount showing an additional charge for delinquency and they also reported me to the credit agencys to drop my credit score. This is why I stopped getting credit cards prior. This kind of abuse of their using my account to try to make money they are not owed. I also told them that I would not pay for late charges after my bill had already been paid in full and I was reporting them.
Consumer complaint received 2016-08-24
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Apex Resolution Group LLC (FL)

Constant calls from ARG ( Apex Resolution Group ) XXXX or XXXX to call this number XXXX. These calls are coming to my work, home and family and friends. Said he was XXXX XXXX from ARG. Said to call immediately to avoid interruption of banking verification of employment and verification of assets. He then said he already verified my assets and told me what kind of car I drove. When I called I did not verify my SS # so he hung up on me. Gave me a claim number on the voice mail. I refuse to give my personal information over the phone to anyone. I have not received anything in the mail so I do not know what these people are and why they are harassing me.
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

A. I went to the annual credit report and received either in the format thru mail or online to receive my annual credit report except Trans union. 
B. Transunion then proceeded to send me an application to pay and fill out the form. The free annual report thus was not recognized. 
C. Next I filled out their form an provided my driver 's license, social security form, and a utility page, but was denied a credit report. 
D. Next I put a security freeze on the account and was not provided a code which all the two other major companies had provided but not Transunion. 

What should I do now. I have no code to unlock my credit report nor do I have their free credit report. 
Why hasn't this company been tagged as non-professional and possibly illegal? 
Tank you.
Consumer complaint received 2018-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i have tried to get my free annual credit report from the bureaus but they refuse to issue me one because i d'ont live at the address on my licence.please help in concerning this matter cause i need to know any negative items on my credit report.
Consumer complaint received 2018-07-21
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 sent several letters to XXXX XXXX XXXX, on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018, to validate the information that is being reported on my credit report. The information that is reporting on my credit report is inaccurate, I have attempt to reach out to XXXX XXXX XXXX, with the addresses provided on my credit report, - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX, and XXXX XXXX XXXX XXXX, FL XXXX. Given that XXXX XXXX XXXX provided a false address, I demand an immediate removal from my credit report.
Consumer complaint received 2018-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (FL)

On XX/XX/XXXX I was contacted by phone by the Frost Arnett company. They stated that I owed money in the amount of {$750.00} to XXXX XXXX XXXX in XXXX FL, for services rendered on XX/XX/XXXX. The woman speaking barely gave me any time to speak! It was difficult to just get a little information from her about this so called debt. She wanted me to send a check in the above amount to their company, so they could forward it. I refused, and hung up. I then called the physician group that rendered the service, after calling my insurance company. I found out that, not only did I not owe any money, but my doctor had been paid the allowed amount from XXXX, which is my insurance company. This payment was paid on XX/XX/XXXX!!!! 
I can only assume that having a bill collector contact me, will alter my credit score! This is very disturbing to me! 
I did call Frost Arnett, and informed them that I would be reporting their company for poor, or even illegal business practices.
Consumer complaint received 2018-07-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

i have submitted 3 letters to three different debt collectors concerning my debt and they have not response nor deleted the items from my credit report. The first letters went out onXX/XX/XXXX..XXXX XXXX   XXXX  XXXX..certification number is XXXX ... ... ... next was Transunion ... XXXX ... ..XXXX  XXXX ... ..XXXX XXXX ( 2 ) ... XXXX..no response and sent the next set of letters on XX/XX/XXXX ... XXXX XXXX..XXXX  ... XXXX XXXX ( 2 ) ..XXXX ... XXXX XXXX   XXXX XXXX..XXXX ... no response.they have violated the law by not responding within the 30 days and actions should be taken.
Consumer complaint received 2018-07-21
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: ENCORE CAPITAL GROUP INC. (GA)

According to record, on XX/XX/2014, a " XXXX '' bank card was opened in my name in the amount of {$400.00}. I did not consent nor authorize this account to be opened. Since then the account has gone into a collections account monitored by a company called " XXXX XXXX '' for the amount of {$1000.00}. 

I have paid a credit repair service to dispute this fraudulent account but the account has not been removed yet.
Consumer complaint received 2018-07-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

all the money is paid off and its still not updated on credit report agency, To get positive standards and not negative XXXX was sent to the company and my credit report is still bad negative report
Consumer complaint received 2016-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I would like the following information to be provided by my loan servicer, which is Bank of America : A copy of my Notice of Right of Cancel A copy of my Truth in Lending documents A copy of my Note My investor 's information as well as my investor 's modification criteria ( for example, how many modifications does my investor allow for the life of the loan ) If any of these documents are unable to be obtained, I request a full rescission of the loan. 
I applied for modification assistance, and have gotten nothing but notices over the last few months saying that I am being reviewed and I will receive a response within one or two weeks, ( the last was XXXX/XXXX/16 and stated next response will by XXXX/XXXX/16 ), but that final decision is never received. 
I demand to have a Customer Relations Manager who is able to review my loan for all options and have a decision with 30 days, which is a guideline that I know the bank already has in place, but for whatever reason they have failed to abide by. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2016-08-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch (TN)

I received a letter dated XXXX XXXX, XXXX from a company called XXXX XXXX XXXX. They claim to represent Crown Asset Management LLC. They list an original creditor as XXXX and an account ending in XXXX. They say I owe {$740.00}. I feel that this is incorrect as I have no Creditor known as XXXX. This does not appear on any of my current credit reports as an account. If this is my account I am sure it is old and past the statute of limitations in the state of Tennessee or perhaps it was an old account included in a bankruptcy I filed in XXXX. To summarize I feel that this is a non-collectable debt and I deny any and all responsibility for it.
Consumer complaint received 2016-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (GA)

Caliber Home Loans included an invalid XXXX tax ( XXXX ) into my XXXX/XXXX/XXXX escrow analysis. This tax was not included in my XXXX analysis by XXXX. My mortgage was sold to Caliber by XXXX in late XXXX. According to Caliber this added tax caused an increase in my yearly escrow payment from XXXX XXXX X XXXX XXXX XXXX to XXXX XXXX X XXXX XXXX to XXXX. This is a yearly increase of XXXX. I ca n't believe that adding in this bogus amount of XXXX caused an increase in my escrow of XXXX plus I would have a carryover balance of XXXX. So now the total increase is XXXX, XXXX My monthly mortgage payment will increase from XXXX a month to XXXX per month. In my opinion this is borderline fraud. I have talked to XXXX Caliber representatives and I was told that it would take from XXXX to 30 business days to remove the XXXX. No one could tell me why my escrow had incurred such a huge increase. My monthly escrow should have remained at XXXX, since there was no increase in my XXXX taxes and insurance. As of XXXX XXXX, XXXX my mortgage statement shows an escrow balance of XXXX, with a XXXX escrow payment of XXXX to be collected and a tax payment of XXXX to be disbursed, also in late XXXX. This should leave a balance of a plus XXXX going into my new XXXX escrow year. During the XXXX XXXX - XXXX escrow year, my escrow account did not reach a minus balance. And this company is increasing my monthly escrow payment from XXXX to XXXX.
Consumer complaint received 2016-08-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (OH)

we have a mortgage with PNC Bank, which is the only loan on our single family, primary residence home. We simply want them to send us monthly statements on this loan. Let me give you some background on this loan. when we took the loan out in XXXX, it was originally with National City Bank, and it was a 20 year, fixed rate second mortgage. In XXXX, we did file bankruptcy and we did not re affirm the loan at that time, but we were never late or missed a payment. When PNC took over National City Bank, they did reach out and offer us a loan modification, which we took them up on, and as part of the loan modifiaction agreement was we had to re affirm the loa, which we had no problem with. 
The issue we are currently having is that theywill not send us out a mothly statement as required by federal regulations.
Consumer complaint received 2018-10-31
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: TOYOTA MOTOR CREDIT CORPORATION (MD)

On XX/XX/XXXX I have leased two XXXX XXXX from XXXX XXXX, which was leased through XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX IL XXXX I have cosigned one XXXX for my brother under account number XXXX I got shocked to receive default notice from TMCC in XXXX second week, that there is no payment has been submitted on this account. 
Upon investigation, I found out account number on this account was entered incorrectly, that why payments were not being made and bouncing back. 
It was fixed when found out. My credit has been reported for 2 late payments. 
How come lender never communicated with the person for 90 days. 
There was NO communication till XXXX first week, when we found out and cured. 
I think reporting adverse late payment history to credit bureau without even approaching borrower is not right practice. When the accounts get delinquent, Borrower/guarantee should have gotten a communication right away.
Consumer complaint received 2018-07-20
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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (PA)

all the money is paid off and its still not updated on credit report agency, To get positive standards and not negative XXXX was sent to the company and my credit report is still bad negative report
Consumer complaint received 2018-07-20
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: Credit Karma (PA)

I called XXXX  to report that I had unrecognized hard inquiries on my credit report and customer service did nothing about the problem. They were unprofessional and had me on hold for more than 45 minutes just to tell me it's nothing that they can do to help. I called XXXX 5 days straight and still got the same unprofessional response and I'm very upset about it.