davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Please see attached documents written regarding an escrow refund that I have yet to receive since XXXX 2017. Document one was sent to my original lender regarding the issues I 'm having with no response. Document two is the trail of emails between myself and their " Account Executive II ; LC-Client Relations Department '' who I have not heard back from in over a month after the Lending company forwarded my letter over to her to help me get resolution on the issue. There is a document of the police report regarding the theft of my check that was sent to Loancare as well. I spoke to an XXXX, XXXX, XXXX and 3 other rep 's since yesterday who have not solved the issue or returned my calls. The money was stolen from Loancare and as I understand they need to pursue getting the money back from the person that stole and deposited the funds to their own account, that has nothing to do with the fact that they still owe me the overpayment in escrow fees for my supplemental taxes that are now past due as of XXXX-2017 because I was told the money being refunded was the money they collected to pay them for me and never did. I have done all the research for them to find the person that stole the money, where they deposited the funds ( XXXX XXXX ) and opened the fraud case with that company and gave that info over to XXXX as well. I have made phone calls and emails to XXXX XXXX multiple times since XXXX-2017 with no response from her to date. The rep I spoke to today stated I needed to wait 90 days for them to finalize their investigation but I 've waited since XXXX-2017 and been given false information from multiple rep 's of where my money is at or when it would be delivered to me. They wo n't allow me to speak to anyone other than a customer service rep or a customer service supervisor which neither can help me in the process. They continually place me on hold, tell me they will call me back when they never do and I 've lost an estimated 80+ hours of work time due to working on this issue with still no resolution. I am owed {$3400.00} from Loancare that they have not delivered to me.
Consumer complaint received 2017-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

Debt not mine. It is showing up Wakefield and Associates from a hospital called XXXX XXXX At XXXX. Please have Wakefield and Associates remove from my XXXX credit report. Someone has been using my social security number and they 're a lot coming up on my XXXX. It is showing negative. Please have them correct this and have the report updated. Amount is for {$30.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.
Consumer complaint received 2023-06-09
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: Porsche Financial Services, Inc. (IL)

In accordance with the Fair Credit Reporting Act, PORSCHE FINANCIAL SRVC XXXX Account Balance : {$33000.00} has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2018-01-30
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: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX, I received an email from Experian saying that my credit score had dropped. I logged into my Experian account and after reviewing it carefully realized that the problem originated from a vehicle lease that I hold with XXXX XXXX XXXX. XXXX had changed their policies on how they determine each leaseholders credit with the effect of dropping my credit limit by {$15000.00} overnight. They did this because they want to show the lessee 's credit limit as the balance left on their lease. The problem with their strategy is that it effectively lowers the lessee 's credit score every time they make an on time payment on the lease. I have reached out to XXXX to no avail and have submitted a separate complaint through CFPB to them. 

However, I also tried to reach Experian repeatedly to notify them about the problem and ask them to get involved. I called their office on XX/XX/XXXX at XXXX XXXX   EST when their office hours showed they would be open but I was told by the automatic system that there was an hour wait. I called the next day when it first opened ( XX/XX/18 at XXXX XXXX ) and was told that there was a 5-7 minute wait. I waited for 46 minutes and no one ever answered the phone nor was their an option to leave a message or have a call back. I entered queries into their website but nothing happened and there is no live chat option. I am furious that I can't reach them in person and this policy punishes the consumer for making timely payments on their lease. what a sham!
Consumer complaint received 2017-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge 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: NAVY FEDERAL CREDIT UNION (GA)

Dates and amounts are contained in the attached files. In summary : I had my eyes checked at the XXXX vision center, ordered lens from them. Could not use them, they gave distorted and blurry vision. The XXXX XXXX XXXX scheduled another eye test, got it and they ordered new lens. The vision from this second order was worse than the first. I notified XXXX Store Management and they just shrugged and offered no resolution. I called NFCU and said I want to dispute the XXXX charges, repeated in excruciating detail all that had happened and asked if they needed the location of the store. I was told that they had all they needed. Shortly thereafter I received a letter with a form in it. I filled out the form and sent it back to them. My wife then gets a letter with her credit card number on it saying they are not going to dispute the charge because she did not return the form in time. I did, the delivery receipt is attached. I also received a letter, with my credit card number on it, with a bunch of checked boxes indicating what forms were required. All documentation detailing this is attached as files. It appears that these credit card people are in total disarray and are throwing up their own administrative obstacles in an attempt to NOT resolve this credit card dispute with XXXX.
Consumer complaint received 2017-07-28
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: Experian Information Solutions Inc. (MD)

Last year, I found out that XXXX was reporting a collection on my credit report for an account that was opened in XX/XX/XXXX and closed in XX/XX/XXXX. I called them and their fraud department and they advised me that they did not show any accounts under my name that were in collections or delinquent as I currently have XXXX XXXX and residential services. I disputed this with XXXX XXXX and it is still showing on my credit report and does not provide any information as to an account, amount owed, etc. It simply states paid and closed via consumer 's request. This is all inaccurate. I have been living at my current address since XX/XX/XXXX and have had no issues with XXXX besides this. XXXX XXXX Current address is XXXX XXXX XXXX, XXXX MD XXXX
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (MD)

This complaint has to do with an automobile lease but the issue impacted my credit score so I'm filing it under credit score. I hope that's ok. On XX/XX/2018, XXXX XXXX sent information that lowered my credit limit with them. They used to show the credit limit as the full value of the car but then decided to reflect the balance of the lease amount instead. So it effectively lowered my credit limit by {$15000.00} overnight, dropping my score by 23 points. When I called XXXX XXXX XXXX, they were unapologetic, essentially didn't care and will continue to drop the credit limit despite on time payments since the lease was signed. So, effectively, my credit score is dropping every time I make a lease payment on time and in the correct amount. What can I do?
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

To CFPB, After many attempts to correct this issue with XXXX XXXX  XXXX XXXX who seems to think that they can continue with this non sense reporting they are doing concerning a debt they say I owe, I DO NOT!!! 
We have repeatedly informed them that the information they are presenting to CFPB and us is inaccurate. They claim they purchased this debt from XXXX XXXX but they have yet to show any proof of such purchase, nor have they shown proof of my signature or a signed contract which by law I have a right to see. 
Further, they are in violation of Metro 2 and according to the FTC, showing copies of a balance or charge DOES NOT constitute the debt belongs to me. Therefore, after these many attempts to resolve this issue peacefully we have no choice but to turn this matter over to our attorneys who sue people like Portfolio every day, they have requested us to make this last effort to have Portfolio remove this non sense from my report, if they choose not to they will face fines including the following. 
We will sue in the amount of {$1000.00} per inquiry for my effort to resolve this matter, and {$1000.00} for this being on my report, attorneys fees and court cost which could total {$25000.00} Simply put, Im, suffering from XXXX have had enough of the games Portfolio is playing.
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I made my payments on time with the company in question every month. I used their automated website to make the payments. However, one month that i made the payment and they showed it as paid i received notice 30 days later that my payment was late. This was by no fault of my own as their website has said they received the payment.
Consumer complaint received 2017-07-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (OK)

ON XXXX XXXX 2017 I WAS LAID OFF FROM MY JOB. I IMMEDIATELY CONTACTED FAY SERVICING TO REQUEST LOSS MITIGATION. ON XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX AFTER WINNING MY UNEMPLOYMENT I SENT FAY SERIVICING CHECKS THRU MY BILLPAY THRU MY BANK. FAY SERVICING HELD THOSE CHECKS UNTIL THEY FOUND OUT THAT I HAD A PAPER TRAIL AND THEY FINALLY CASHED THE CHECKS ON XXXX-17. THURSDAY XXXX XXXX, 2017 I RECEIVED A LETTER THAT MY LOSS MITIGATION APPLICATION WAS COMPLETED. ON FRIDAY XX/XX/XXXX I RECEIVED A LETTER FROM FAY " INTENT TO FORECLOSE '' DEMANDING XXXX DOLLARS FROM ME. FAY SERVICING HAS CAUSED ME SO MUCH STRESS AND PUT ME IN DISTRESS. I AM NOT SURE HOW FAY SERVICING CAN FORECLOSE ON ME WHEN I AM NOT BEHIND ON MY PAYMENTS AS WELL AS IN LOSS MITIGATION. I ISSUED A HALF A PAYMENT THRU BILLPAY FOR XX/XX/XXXX THRU MY BANK. FAY SERVICING WILL HOLD THAT CHECK LIKE THEY ALSO DO. I AM HOPING SOMEONE CAN HELP ME FIGURE OUT WHY I AM IN FORECLOSURE STATUS WHEN I AM NOT BEHIND ON MY PAYMENTS. AT THIS TIME I AM UNABLE TO SCAN ANY DOCUMENTS SO I WILL FAX ALL DOCUMENTS TO CFPB TOMORROW
Consumer complaint received 2017-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (SC)

Creditor : XXXX XXXX XXXX XXXX XXXX. Debt Description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never utilized services from this company which upon an internet search offers web hosting/domain registration. I have received letters in the mail claiming to be collecting on behalf of this company. I have checked my credit report with all three bureaus and this debt does not appear. Upon further research into this organization is appears there are numerous incidents like this regarding this company. I am not sure how they received my information but I do not want to give them any further information to perpetuate this false claim. I will contact my attorney to handle the matter on my behalf if the letters continue.
Consumer complaint received 2017-07-28
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. (UT)

I h ave requested XXXX in XX/XX/XXXX to validate a Bankruptcy record that was found in my credit report under the Public Record section that was reported to me by Equifax inXX/XX/XXXX. According to the FCRA 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify-through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.
Furthermore, after 30 days XXXX responded that they had contacted the Bankruptcy court as if the court is allowed to speak to them directly. I am attaching my correspondence with the XXXX Bankruptcy court 's clerk telling me that they do not send any information to them. That the credit bureaus have to come and get the information themselves. But in XXXX v. Equifax, it says they can not claim a government agency, court or court house to furnish or verify anything. The court does not guarantee the accuracy of their cases so no third party vendor can claim they verified the bankruptcy through court records that are not guranteed to be accurate. Therefore, XXXX has failed to comply with FCRA 607 in not giving maximum accuracy in their investigation instead they grossly lied that they contacted the court to verify the information and worst of all they did not produce the original signed consumer contract. So in all fairness they must comply with FCRA 611 in deleting and unverifiable information because after all the only persons that can legally verify a bankruptcy is the consumer and the trustee as they are the only persons with the first-hand knowledge.
I am attaching the first page of the court docket of the bankruptcy record which does not accurately identify me with just a name, address and last four digits of SSN. This is the same information that XXXX uses and grossly lies to the consumers by stating that have verified the information as true. They did not produce the original signed consumer contract therefore there was no verification.
To compound the subject even more XXXX was requested by me, almost a month prior to my dispute with them, to freeze and opt-out my information and this is how they conduct their investigation by grossly ignoring my request, please see attached letters confirming this.
Consumer complaint received 2017-07-28
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: Experian Information Solutions Inc. (CA)

As of about XX/XX/XXXX, I have been disputeing the inaccurate information on my XXXX, Experian and XXXX credit reports, it 's been 5 months now and to date, I have 4 items removed, I have hand written all dispute letters and I have nortorized them all, a total of 4 letters, and have waited each time for their response, so I can respond, but all I receive is a report stating the have been verified through the furnisher, but all the original creditor can provide is an account statement, I ask Everytime for them to please send me the original, or a copy of the original document that was signed to open this account with my signature on it, that they are required to have on file, neither the beaures or creditors have this on file, a account statement is unacceptable, that is not proof it is mine, I have recently filed a complaint with the ftc, and I have XXXX XXXX helping now, but this is a drawn out war, I do understand they are private organization but need to be better regulated
Consumer complaint received 2017-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (WA)

West Coast Adjustors - Sentry Credit Inc in WA state has sent me a collection letter to a debt that I do not own. At the time of this collection that person named is XXXX years old. This collection was brought to me because of a cancelled appointment for an XXXX XXXX XXXX. But on the appointment date this person did not go. The person named did not receive any medical care and checkup and making an appointment does not cost any money. This person also comes from a low income background and has XXXX insurance. This letter was dated XXXX XXXX, 2017.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have filed two letters with XXXX to remove the incorrect information that is on my credit report. The information is regarding a bankruptcy that was filed in XX/XX/XXXX. According to documentation that I have received from the U.S Bankruptcy court in Minnesota dated XX/XX/XXXX, they DO NOT report any information to any of the three credit reporting agencies. My first attempt to clear this up with XXXX was on XX/XX/XXXX and I received a letter in response stating that the information was valid. My second attempt was on XX/XX/XXXX, and I included their response as well stating that I needed to contact the reporting agency. The reporting agency again DOES NOT provide the information as stated above. I have now escalated this issue to your agency in hopes to get this cleared up. I have included all the documentation needed to clears this matter up. I look forward to your help in this matter. Thank you XXXX XXXX
Consumer complaint received 2018-01-30
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Equitable Acceptance Corp (MI)

I was contacted by XXXX XXXX who said they were going to get my student loans consolidated and forgiven. They set up a payment plan with Equitable Acceptance Corporation. This was XX/XX/2017. A few days later I realized they were a scam. I contacted XXXX XXXX. They refused to do anything about it and said I should have canceled within three days of signing the contract. I called Equitable Acceptance Corporation. They said there was nothing they could do about it. They are a scam too. It is now on my credit report that I owe {$1200.00} to Equitable Acceptance Corporation. I have tried to challenge it with Equifax with my credit report, but Equitable Acceptance Corporation still says I owe the money. This is XXXX! Corporations like this taking advantage of consumers. It's FRAUD!
Consumer complaint received 2018-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (TX)

We are writing this in hopes you can help keep a family in their home. XXXX and I have a child with XXXX problems. Treatment was expensive, and even with the continued expense of necessary medication, we paid our mortgage on time until XXXX lost his job. After this, it became impossible to make the house payments. During most of this time we barely had enough money to eat. 

It was a trying time, but we tried our best. When we were finally on our feet enough to be able to put together a month or two, Seterus declined the payment. They wouldnt take our money or work with us to make it right. We wanted to get back to paying on time, as we had before, but they said they wouldnt do anything until we paid the entire balance.
Consumer complaint received 2018-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

IQ Data 2013 for {$1000.00} Harassing calls to pay the debt in amounts of {$1000.00} which is : 1. ) The wrong amount owed 2. ) Past 4 year statue of limitations in CA
Consumer complaint received 2017-07-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Student Loans Consolidated, Inc (MA)

Company called " Student Loan Consolidation '' charged me {$400.00} they promised my loan would be forgiven. I just found out today that the loan is n't forgiven for 20 to 25 years the gentleman I spoke to lied to me and told me my loan would be forgiven sooner than 10 years. Nowhere in my contract does it say that it would take that long. Also my loan was supposed to be forgiven and now it is in forbearance.
Consumer complaint received 2017-07-30
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: EQUIFAX, INC. (WA)

OnXX/XX/XXXX I was notified by XXXX XXXX ( a payday loan lender ) in XXXX, Arizona that I attempted to apply for a loan online onXX/XX/XXXX. I did not apply for any loan with any lender. It was fraudulent and a police report was filed. The XXXX Police Department took the report and provided a case number : XXXX  The officer XXXX XXXX urged me to provide the report to credit report agencies and to XXXX XXXX in XXXX. I supplied the information to all XXXX credit bureaus XXXX, Equifax, and XXXX. In addition to the information, I requested an immediate freeze on my credit. I notified the credit agencies on XX/XX/XXXX by phone and mailed the police report along with a letter stating the inquiry and address used in XXXX, Pennsylvania was not mine. It was identity theft. As of XX/XX/XXXX XXXX and XXXX removed the address used and XXXX XXXX inquiries from my report. However, Equifax did not remove the fraudulent inquiry or address used to commit identity theft. As of XX/XX/XXXX, Equifax is still showing the XXXX XXXX inquiry from XX/XX/XXXX and the address used to commit identity theft : XXXX XXXX XXXX, XXXX, Pennsylvania XXXX. It 's been over 13 months and Equifax will not comply with the request to have the fraudulent inquiry removed along with the addressed used to commit identity theft using my personal information. I attempted a third time on XX/XX/XXXX to have Equifax remove the inquiry and Pennsylvania address from my credit report.