davidheineman/consumer-finance-complaints-large huggingface dataset:
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: CREDIT ACCEPTANCE CORPORATION (GA)

I talked to a CSR around XX/XX/XXXX about spreading my payment out over a year because I needed to do major repair on my car and the rep and I kinda went back and forth about how to handle making the payment I wanted to be sure that I won't be reported late and she did let me know it wasnt in the contract to do that what she could do is allow me to spread the payment but what she didnt warn me of that my payment would be reported late every month until I paid all the money I owed, so 4 months later and I'm still being reported late. I made the last payment on XX/XX/XXXX that made me current on all payments and then on XX/XX/XXXX I received a notice from  XXXX saying I was 30 days late again I really need this to be resolved I'm also in the process of buying a home so your help is greatly needed and I have proof of all payments and, I also need to make it clear that up until this time I've never missed a payment and if I had known that it would be reported late I would have agreed to this atrocity.
Consumer complaint received 2018-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

We thought that we could get a lower rate from 4.95 %, principal balance forgiveness or some sort of assistance, we were asked to put in for a loan modification to get help. What we got was an interest rate of 4.95 % which is what it supposed to be anyways plus a final balloon payment ( over 139,000 ) -a rip off. You advertised on your website that you are committed to helping home owners with home retention, so how have you helped us? You asked to a bunch of documents, we sent them in for assistance, what we got is a total rip off. Attached are supporting documents for the interest rate of 4.95 % which is where were at prior to the first mod.
Consumer complaint received 2017-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

This company has been attempting to collect a fraudulent debt for over 5 years. The fake debt was supposedly inccured in XX/XX/XXXX as a paday loan. The company was asked to provide proof of the debt when they first attempted to collect said debt. They refused and ceased to call for over 6 months. They were unable or unwilling to do so, and were informed I would file a complaint with the Texas AG. They stopped all phone calls. Two years ago, this " debt '' appeared as a negative notation on my credit report. I contacted XXXX, they reviewed it, and removed said debt from my report. It has recently shown back up on my credit report, stating the debt started in XX/XX/XXXX This company has been informed this is a junk / fraudulent debt, and upon informing them of this, they proceeded to curse at me. I have again put it to review with XXXX, however, this company will continue to attempt to perpetrate a fraud against myself unless legal action is taken. There are countless negative reviews of this company, countless accounts of them committing scams and fraud. When I last spoke to a representative, she swore at me. Especially when I explained the debt was junk and asked for any proof they would have of the debt in question. She flat out refused and informed me that she was not legally required to do so, though consumer affair law states that she is required to do so.
Consumer complaint received 2017-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MN)

Issue with Equifax reporting : Last year I did some rate shopping for an auto loan and my report was pulled by 4 financial institutions. 3 on XXXX/XXXX/2016 and one on XXXX/XXXX/2016. These institutions were : ( XXXX/XXXX/2016 ) XXXX, XXXX XXXX & XXXX XXXX & ( XXXX/XXXX/2016 ) XXXX XXXX XXXX. I 've read in multiple places online that rate shopping for auto loan rates will only count against your score 1x if done within a certain time frame. When I checked one free site, it showed XXXX of those inquiries counting against my score. I called Equifax 2x in the last week and everyone I talked to told me a hard credit check was a hard credit check regardless of what it was for and was gon na count against me even though there are multiple blogs on their site supporting the rate shopping will count as 1 hit against your score.
The first time I called I requested a supervisor and then a manager. The manager told me that only one of the rate shopping pulls was showing on my report. When I asked her about the new changes regarding liens and civil judgements she stated that my bankruptcy and paid tax liens were no longer on my report. I then bought one of their products to check my score and low and behold, it was all still there. When I called back I was again told nothing could be done about the inquiries. When I was denied a credit application, I requested my free copy. The report has two inquiry sections, ones that effect your score and ones that do n't. All XXXX of those inquiries are listed under the effects your score section. I do n't know what to do about this or how I can get it fixed so that only XXXX of those credit pulls is negatively effecting my score especially since I 'm mortgage rate shopping.
They also are reporting my XXXX student consolidation loan as open when it was bought out by the XXXX XXXX XXXX after the approval of my XXXX  discharge : the balance showing is {$10000.00}. I intended to file a dispute against this but am quite discouraged at their ability to fairly resolve disputes.
Any advice and assistance will be greatly appreciated.
Sincerely, XXXX XXXX XXXX  XXXX
Consumer complaint received 2018-01-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Arbor Professional Solutions, Inc. (MI)

I decided to check my credit on XXXX XXXX. Imagine my surprise when my XXXX  score showed in the low 600 's due to a medical collection in the amount of {$110.00}. 

I called the collection agency - XXXX XXXX XXXX XXXX - on the credit report and asked them if I paid the debt, would they give me a letter stating that the debt had been paid and be deleted from my credit report? They refused, telling me that they would only give me a receipt. No guarantee of reporting back to the credit bureaus that the debt had even been paid. 

I then asked them when they received this debt, as I never received a notification of any kind, in writing or a phone call, to notify me. Again, they refused to answer. 

I have had this happen twice before with medical co-pays, and the collection agency either called me or sent me a letter allowing me to pay the debt before it was reported. 

XXXX XXXX XXXX XXXX is a terrible agency, since they will not provide documentation of any sort showing that a debt has been paid to allow the consumer the chance to correct it with the bureaus.
Consumer complaint received 2017-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I keep receiving unauthorized hard inquiries on my credit report from XXXX XXXX XXXX. When I XXXX the company it says that it 's a Car Dealership in XXXX XXXX MD.
First issue I do not live in XXXX MD.
Second Issue I have not been to any car dealership looking or shopping for a car and have definitely not authorized anyone or company to check my credit especially since recently I 've been working extremely hard to improve my credit.
Third Issue I have no idea who they are and from researching my credit report I have found out that this is not their first time they have pulled my credit without my authorized permission.
I believe that something extremely suspicious is going on with this company. I mean why is a car dealership pulling my credit and on multiple occasions actually around the same time last year. The way it 's happening I do n't believe that it 's identify theft I believe that someone is illegally using their credit pulling privileges to obtain my credit report.
Dealerships are not allowed to view a customer 's credit reports until that customer specifically asks for credit terms, I can actually testify that I have never done this.
My credit score dropped XXXX points from this inquiry after all of my hard work of re-establishing my credit I was extremely devastated and now determined to get down to the bottom of this.
On XX/XX/XXXX &XX/XX/XXXX, I received unauthorized hard inquires on my credit report causing my score to drop.
I believe that this is illegal and if this issue is not resolved I will be seeking legal counsel to go about properly getting it resolved.
I continuously tried to contact Equifax about this situation but they continously say that it 's nothing that they can do.
Consumer complaint received 2017-07-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

I obtained a copy of my credit file around XXXX XXXX and filed a dispute through the credit bureaus against Nissan Motor Acceptance. Once bureaus investigation was completed it came back the information disputed was verified, no change and Nissan Motor Acceptance as new information. In receipt of this information I sent XXXX, XXXX and XXXX a letter of stating : This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Nissan Motor Acceptance has not responded to my request. I am asking that you please look into this matter and have them remove this derogatory rating. The account was paid off in full and never late.
Consumer complaint received 2017-07-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XXXX XXXX, 2017 my bank balance was {$1.00}. I then was charged XXXX for an over draft fee and the balance became - {$33.00}. There was nothing returned and no reason for the over draft because nothing went through that day other then a return fee of {$35.00}. I called and talked with a teller but they could not explain why. There was no reason for this charge.
Consumer complaint received 2017-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (OR)

Since  XXXX / XXXX / XXXX , I have been Disputing fees charged by Nationstar Mortgage.     I was forced to Close escrow and pay disputed fees on  XXXX   XXXX ,  XXXX  or be subject to  Breach of Contract with the Buyer.      The amounts in Dispute on my Closing Statement with  XXXX   XXXX   XXXX , are Interest owed in amount of {$3900.00}. Amount of {$14000.00} for Escrow Advances. Legal fees in amount of {$420.00} and lender paid expenses in amount of {$440.00} ; assuming legal and lender paid expenses are a result of misapplying payments and charging for an Escrow account.
Consumer complaint received 2018-01-05
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. (NC)

Ive contacted Experian through the US mail to dispute XXXX XXXX XXXX XXXX account that is reporting on my credit report several times. After each investigation, I received a correspondences letter that read they verified the information as correct. I then proceeded to request copies of the documentation they have used to verify the information, specifically the contract, note or other instrument bearing my signature that was used to verify that I had a contract with XXXX XXXX XXXX as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Experian did not provide any of this documentation that the law states they have to provide but only sent a letter that I received XXXX/XXXX/XXXX. This letter stated they would not reinvestigate this account. Again, per my last letter that was sent certified US mail on XXXX/XXXX/XXXX with tracking XXXX I specifically asked to provide proof of this alleged item with the instrument bearing my signature and nothing was ever provided.
Consumer complaint received 2018-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX placed a collection on my XXXX XXXX credit report and Transunion credit report on XXXX XXXX, 2017 stating that I owe a balance of {$2200.00} I never signed a contract with this company to agree to pay any debit 's owed. Therefor I am not responsible for any debits owed to this company
Consumer complaint received 2018-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX placed a collection on my Experian, XXXX credit report and XXXX credit report on XXXX XXXX, 2017 stating that I owe a balance of {$2200.00} I never signed a contract with this company to agree to pay any debit 's owed. Therefor I am not responsible for any debits owed to this company
Consumer complaint received 2018-01-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DEBT CREDIT SERVICES (WI)

Debt Credit Services has only contacted me once about a XXXX XXXX bill that was closed by XXXX XXXX seven years ago. They contacted me only once by phone. The representative that I spoke with was very rude, and told me that I had to pay the {$690.00} that day. When I tried to explain to the representative that the amount was incorrect : I had moved out of an old apartment years ago, that the name was never properly changed by XXXX XXXX when I moved out and that they had charged me for several months instead of the property owner, while I was n't even living there. I offered to pay the amount that I had owed when I moved out, which was {$360.00}. The representative refused, and told me I had to come up with the full amount by the end of the month or they were going to sue me and garnish my wages! She scared me into telling her that I would call back to make arrangements for payments. I requested a bill outlining the amount owed, and she said it would be mailed to me. Since I have not received anything in writing, I did not arrange to make any payments. I never received a paper bill outlining the amount owed and for when. The XXXX XXXX account was closed seven years ago. When I have made attempts to call the Debt Credit Services to request a paper bill again, I either get a message saying the office is closed, or I have to leave a message. I have not received any calls back, nor have I received anything in writing.
Consumer complaint received 2018-01-05
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: Experian Information Solutions Inc. (IL)

I sent in letters to all three credit bureaus to have the bankruptcy taken off my report because its causing me a world of trouble. As of today XXXX took the bankruptcy off my report but XXXX  and Experian will not follow suit. This should not be reporting my my credit report because they cant verify the information. I want this deleted!
Consumer complaint received 2018-01-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TENET HEALTHCARE CORPORATION (TX)

XXXX XXXX XXXX, XXXX XXXX, Manager XXXX The basis for my dispute is was required to notify me prior to XX/XX/XXXX, or no later than 30 days after XXXX XXXX XXXX, XXXX XXXX, Managerfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days afterXX/XX/XXXX, furnishing the negative derogatoryinformation to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. 
They were not met. I asked for documentation & received no response. 
Also, XXXX XXXX XXXX, XXXX XXXX, Manager '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA? 809, which is {$1000.00} per violation and the state of TX allows treble damages. 
Under? 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX, XXXX XXXX, Manager failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve XXXX XXXX XXXX, XXXX XXXX, Manager is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MA)

I started the process of debt verification XX/XX/17 and have been fighting this issue every since. I submitted a letter to company for validation of a debt they say I owe, but I have never been provided signature validation of the debt. The debt is not mine and I have been expressing this through certified letters. This states that I owe them $XXXX and the debt is not mine. I have requested validation with no resolution. Why would I pay a debt that is not mine? Customer service regarding this issue is disgraceful.
Consumer complaint received 2018-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verity through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below Moreover, include documentation which shows that this account was not claimed as a lose with any insuring entity I do not want just a review without detail, instead I have requisitioned a detailed validation.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed within ( 30 ) days and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Furthermore, According to the Certified UCC-11 Document attached, there are NO Active Liens with said creditors. A complaint has already been filed with Consumer Financial Protection Bureau regarding this matter.

Fraud is any kind of artifice employed by one person to deceive another -Goldstein vs. Equitable Life Assur . Soc. Of U.s misc.

No response has been made from the Credit Bureaus
Consumer complaint received 2018-01-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc. (OH)

I just found out today that a medical bill I owed was placed with a debt collection agency. I was not notified by the agency that they have my debt and given the opportunity to dispute it with them. I tried multiple times to dispute the debt with the original medical provider. I am being charged for care I received from the physician while he was under the influence of XXXX and XXXX. He was arrested, his practice shut down, tried and admitted to it to the DEA and pharmacy board. I do not feel I should have to pay for services from this physician. He shut his office down without notification to his patients. Refused to honor my requests for medical records that I faxed to the office that was still accepting them. I was unable to find a new physician to accept me without his records or a referral and it took a year to find one that eventually did uncover my XXXX.
Consumer complaint received 2018-01-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc. (VA)

Central Portfolio Control callback number is XXXX. Has contacted me several times starting XX/XX/XXXX. On XX/XX/XXXX they called and spoke to me directly. Since then they called again leaving messages on XX/XX/XXXX and XX/XX/XXXX. 

In addition to these calls and messages on my phone. They called my place of employment on XX/XX/XXXX, and my grandmother on XX/XX/XXXX. 

They have already spoken to me, and have all of my contact information, they should not be calling third parties.
Consumer complaint received 2018-01-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation (SC)

I don't believe this is my loan and i told them that. I asked for a copy of the paperwork they say i signed and they would not mail me a copy. I told them i was going through a divorce so my husband may have done this to me. I had to send them a certified letter in order to get a copy of this letter that they say I signed. Once i received the paperwork it was computer generated and was not mine.The company is harassing me at work after I ask over the phone and in writing twice to stop calling my job. An employ from XXXX XXXX has told two people details about this loan. XX/XX/XXXX around XXXX she called my job and spoke to another employee at my job in detail about the loan. I have had the branch manager XXXX XXXX-XXXX be verbally abusive and has threat me.I have recordings of some of the interaction.
Consumer complaint received 2018-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX Reporting Agency has listed following address as to be a past address : XXXX XXXX XXXX XXXX, Ky. XXXX I have NEVER loved at this address. I need it to be removed from my credit history report.