davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-20
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 (DE)

I filed a dispute with the credit reporting agencies for a collection account that is fraudulently reporting on my credit report from Portfolio Recovery Associates ( PRA ). I have also filed a case with the Better Business Bureau and PRA has not yet resolved my issue. PRA is reporting on my credit reports as a Factoring Company account with which I have done business and this information is factually inaccurate. PRA previously claimed that they are not reporting as a Factoring Company, but I have several months of credit reports that prove my complaint. I have attached a copy of the BBB complaint that I submitted including the response from PRA that is blatantly false as well as five different copies of the credit reporting furnished from PRA showing their claim as a Factoring Company on my credit reports through XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2017-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (GA)

I 've been dealing with Fedloan Servicing about my status with the Public Service Loan Forgiveness Program. I 've been keeping track of my progress towards my 120 qualifying payments under an approved repayment plan but the information about my payments given to me by Fedloan Servicing seems not very accurate. I 've requested the payment amount be researched further and even spoke with managers but I 'm not getting any information. I 've provided supporting documentation that I 've made additional qualifying payments but I 've still not received any response. I 've been told that I need to provide information that is impossible to obtain based on banking practices. I 've been asked to supply documentation that can not be provided due to the purge of Banks and Lender information after 7 years. I 've worked to keep track of my progress and feel that I 'm being penalized because I 'm close to the 120 payments. My loans were also placed in deferment at times due to their issues with processing paperwork and this was not by my choice. The deferments were placed administratively. During these times, my payments do not count towards my qualifying payments and it 's penalizing me based on their shortcomings. My payments were direct deposited and I 've basically have had no change in employment or limited change in income. I 've supplied the required paperwork in a timely matter and have had to contact them several times about on going paperwork issues. I 've requested, on several occasions, that the matter be addressed due to the time I 've been making qualifying payments but I 'm still not being given any reason nor information. I 've also contacted and attempted to contact the prior lenders about the information that was sent to Fedloan Servicing. I uploaded supporting documentation that verified my qualifying payment history, direct deposit info and qualifying repayment plan but Fedloan states they 're " researching '' and " searching '' for more information.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2017-09-19
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. (WI)

Good Morning, I have reached out to Experian on XXXX/XXXX/17 to remove all the following listed below due to similar reasons the three major credit reporting companies XXXX Experian and XXXX will enforce stricter rules on the public records they collect, requiring each citation to include the subjects name, address and either their Social Security number or date of birth. Nearly all civil judgments and at least half of the nations tax lien records do not meet the new standards, and will be eliminated from consumer credit reports.
Consumer complaint received 2018-03-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

My name is XXXX XXXX  and I had started the process of disputing a few things that were listed in accurately on my credit report. I discontinued disputing believe that the report was accurate once they investigated certain items. A letter was sent to all three companies letting them know that I no longer disputed the accounts in question. I received a copy of my credit report and the dispute verbiage was still reporting on one of the accounts. I contacted them and told them I did not dispute the account and again to remove the verbiage. I have been fighting this since XX/XX/XXXXand the statement that the account is being disputed is still listed. It appears it's listed on one of the XXXX XXXX XXXX accounts and it shouldn't be.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (AR)

I co-signed on a car with my husband in XXXX 2011. The car has been since repossessed. It was a XXXX XXXX. Ally Financial is reporting the balance of {$16000.00} as past due every month as well as derogatory. I am not past due on an account that is in collections and closed. Once the car was repossessed, there is no longer an agreement in place. I have worked with ALLY to quit reporting this account as past due as I do not have a current agreement with them but they will not. This is unsatisfactory business practices.
Consumer complaint received 2018-03-30
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: CITIZENS FINANCIAL GROUP, INC. (FL)

We have had an auto loan with Citizens One since XX/XX/XXXX We have paid every month since that date, with the latest payment XX/XX/XXXX. Customer service states that our account is current. We had to file for bankruptcy due to medical bills and the date of our discharge is XX/XX/XXXX. We signed a reaffirmation agreement with Citizens on XX/XX/XXXX. However on our credit report, Citizens shows our account as closed and that our payments stopped in XX/XX/XXXX, which is completely inaccurate and needs to be corrected. I have called their bankruptcy department XX/XX/XXXXand spoke to XXXX  who said he needed the order of discharge faxed. We did that, still no change to our report. I called and spoke to XXXX on XX/XX/XXXX and he lied and said that our bankruptcy was not even closed, so they can't change the record. They are not interested in accurately reporting any of our payments, but they certainly do not have a problem with taking the money each month. We have a signed reaffirmation agreement and have never missed a payment and our credit report should show these payments.
Consumer complaint received 2017-09-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CREDIT ACCEPTANCE CORPORATION (IL)

X/XX/17, amount 626.00, advised will file bankruptcy and unemployed. The company repossessed the car, and kept changing the requested amount dates as X/XX/17, X/XX/17, and now was advised of another date. The customer service representative was very irate and refused to give me a date of the extension for XXXX. I advised I have XXXX XXXX XXXX and need to speak with the supervisor he was not available. She made me feel uneasy, harassed, and not secure to pay that amount of money with someone that aggressive. I ask for the dates she refused to tell me. No empathy, lack of referencing the notes to notice In going to file bankruptcy and I 'm unemployed. Very aggressive first party collections practices they call me 3x a day which it should be only two if left a voicemail. I feel like I being harassed for something I can not control anymore since they took the car.
Consumer complaint received 2018-03-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

My name is XXXX XXXX and I had started the process of disputing a few things that were listed in accurately on my credit report. I discontinued disputing believe that the report was accurate once they investigated certain items. A letter was sent to all three companies letting them know that I no longer disputed the accounts in question. I received a copy of my credit report and the dispute verbiage was still reporting on one of the accounts. I contacted them and told them I did not dispute the account and again to remove the verbiage. I have been fighting this since XXXX and the statement that the account is being disputed is still listed. It appears it's listed on one of the XXXX XXXX XXXX accounts and it shouldn't be.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2017-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

My loan was purchased/sold to round point mortgage. I made payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for the amount of {$2000.00} in agreement with the mortgage and escrow payments required. The double payment in XX/XX/XXXX was due to a miss payment when setting up the auto-pay when the mortgage was purchased. It was the payment of XX/XX/XXXX. The payment for XX/XX/XXXX and XX/XX/XXXX was $ XXXX due to a shortage in escrow balance. Round point had a higher minimum amount that the original loan agreement. The next due payment is now for {$2300.00}. Again an increase in escrow due to a shortage. Under further investigation into my account, Under Taxes I am not listed responsible for XXXX  XXXX for {$2000.00} and for XXXX XXXX {$1700.00} ( the county I live in ). That is the reason my escrow has increased. This is a mistake by Round-point mortgage adding the additional county erroneously. In my attempts to fix the issue that want me to send in my tax bill. I have not received it yet, and I should not be required to do anything to fix my account back to the original monthly payment. I have tried to escalate within the ranks for Roundpoint and have been hung-up on and placed on infinite hold. What they are doing is illegal and I would like to get in resolved as soon as possible. After a second call back I have been told to give them at least a week to resolve the issue. I am still filling this complaint in case it is not resolved correctly and should have never occurred.
Consumer complaint received 2017-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (TN)

Bank has denied my Fraud Claim and Rebuttal based on conversation with XXXX. 

Fraudulent charges made on X/XX/2017 to XXXX.My debit card with SunTrust Bank. Computer was hacked and hackers made ' {$400.00} gift card purchase. Money was within from checking account on X/XX/2017. Called bank immediately to notify of fraud and was given Case Number. I was told that it would take 10 days to review. Received call from SunTrust investigator on X/X/2017 for information. Explained in detail of how computer was hacked and told the steps that I had taken ; notify XXXX, and other charge accounts that were hacked and had been resolved. This conversation took place on X/X/2017 at XXXX XXXX. Received denial letter on X/X/2017 at XXXX XXXX!! FIVE HOURS LATER!! Indication was based on conversation with XXXX. Bank claims it was legitimate charge, however XXXX record INDICATE OTHERWISE..FRAUD!!! Investigator told me that she would send rebuttal forms to fill out. Filled out forms I did and faxed back in X/X/2017. Received Rebuttal denial letter on X/XX/2017 from SunTrust. Immediately called SunTrust to dispute denial. Was told to contact XXXX which I did. Fraud Department reviewed the case and said it was definite fraud.
Consumer complaint received 2018-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (OR)

Lakeview Loan Servicing LLC continues to delay crediting payments. 
In XXXX payment was sent on XX/XX/XXXX from our XXXX XXXX Bill Pay system in the amount of {$1800.00}. The copy of the check is stamped by XXXX on XX/XX/XXXX but the payment was not applied until XX/XX/XXXX. 

The same thing occurred in XXXX the payment of {$1800.00} was sent on XX/XX/XXXX but this was sent electronically and XXXX tells me is should arrive in 3 business days. This payment was not applied until XX/XX/XXXX. XXXX tells me Lakeview changed the payment to electronic- this is something I do not understand- how Lakeview can make this change- I am told by XXXX that this makes the  payment show up in 2/3 business days. This transaction does not have a stamped check like the XXXX payment. 

These late payments result in a fee. Every month I call Lakeview and complain and thus far they have been willing to reverse these late charges. 

Every time I call I get different information. I ask to speak with a manager and they tell me the payments are in fact late, when my bank tells me they should not be.Hold times are excessive. How can I use another loan servicer? Lakeview is TERRIBLE!
Consumer complaint received 2017-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

I would like to file a formal complaint against XXXX XXXX XXXX XXXX. They have been my loan servicer for years, since consolidating my loans under the Obama administration programs. I have continued to encounter the same problems, year after year, particularly with updating and renewing my income based repayment program information. This year, for example, I became divorced XXXX in XXXX of XXXX ) which drastically changed my household income. I submitted a recertification form within weeks of this event and provided documentation of my new household income. When I called to ask about the status, I was told that they were behind in processing these types of requests. They gave me the option of being in forbearance which I did not want to do because that would simply allow my interest to build and I would also not be making a qualifying payment towards my plan if I were to enter forbearance. I updated my re-certification information again this XXXX upon receiving a letter from them stating that I needed to do so ( even though they had all of my information since XXXX of last year with no change in my payment ). After several phone calls, they again said that they were behind in processing and I had done all I could, I just had to wait for them. Finally, this week I received letters of my new payment amount, a year later, which is only slightly less despite my household income going down by {$80000.00} per year. Not only has the payment amount hardly changed, but they put half of my loans on forbearance without my knowledge or permission and drafted {$1600.00} from my checking account this month on XXXX XXXX, XXXX without advance notice ( which is nearly XXXX times my normal payment ) even though all of my recertification information was in for months and is stated so on their website. This has happened before, and they refuse to refund the amount that was over and above my normal payment. As a XXXX mother, trying to support her family all while making student loan payments that are nearly the size of my mortgage, I am asking for my complaint and several other similar complaints of students working with this company to be taken seriously so that they can be held accountable for their extreme negligence and misconduct.
Consumer complaint received 2017-09-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

Recently Wakefield Associates placed a collection on my credit reports that is a result of stolen identity. I have contacted law enforcement about the issue and have also contacted the credit bureaus and creditors about the problem.I disputed the Wakefield account and furnished amy official police report but they still continue to verify the debt as mine when in fact it is n't because i was a victim of fraud. Even if the account was mine according to the FCRA and the FDCPA a collection agency can not verify anything but only validate. i 'm not questioning the validity of the debt but I 'm standing firm on the fact that I can not be held liable for something I did not do
Consumer complaint received 2018-03-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have tried and tried to fix this problem. I cant afford to pay someone to fix this problem. I will try again to explain the problem. On my credit report there are 2 incorrect information and I would like to have them corrected. The first is the XXXX. It was paid in full. It states that it was sold to another company. That company is XXXX XXXX. I paid this account in full. I have sent copies to you before but it still has not been changed. The other account is with XXXX. This account was sold to XXXX XXXX XXXX. I paid them in full. It still states that it was not paid. In the collections part of my credit report it states that XXXX  was paid in full. Its a duplicate account. I have sent copies of the information to you before but it still hasnt been changed what do I have to do to fix this problem? Thank You.
Consumer complaint received 2017-09-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

There is a collection account on my credit file for {$380.00} from a professional credit management. I have disputed this item several times because I have no knowledge of this account. I requested validation of this debt and never received anything.
Consumer complaint received 2018-03-30
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. (IL)

I am a victim of identity theft and Equifax is giving me a very hard time removing a fraudulent XXXX  XXXX XXXX ( XXXX  ) account. I have included ALL of the required documentation pursuant to the FCRA 605B Block of information resulting from identity theft, which states any account a consumer identifies as fraud should be blocked by the consumer reporting agency within 4 days of receiving notice. A dispute was opened for this XXXX account XX/XX/2018. My notice included everything required by FCRA law to block the account, but yet Equifax did not. Nor did they notify me letting me know the account would not be blocked ; which by law was supposed to occur within 5 days of receiving my dispute. 

Not to mention, the XXXX account is now reporting as a charge-off. I have attempted to remove this erroneous account many times, Equifax has made this experience very stressful by " verifying '' each of my attempts through their XXXX system by matching a name, last 4 of ss #, DOB and address. Of course these things will match, it's IDENTITY theft! 

I take paying my bills on time very serious, having a charge off on my report that does not belong to me is very humiliating. I am unable to obtain any credit because of this fraudulent XXXX XXXX XXXX account. Equifax negligence in this matter has caused me undue emotional and financial stress. Submitting my dispute through the CFPB will be my last and final request. If this XXXX XXXX XXXX account is not deleted immediately, I will be left with no choice but to file a civil lawsuit in my county.  I will name Equifax, along with any and everyone who touched my file, as a defendant for violating my consumer rights and putting me through such stress. I will subpoena every phone call, correspondence and record in Equifax 's system ( s ) and file cabinets related to me and will sue for EVERY error found. I will also sue for punitive damages. Please know that I am a litigious consumer and my spouse is an active XXXX XXXX XXXX in XXXX. I am no longer playing this game with Equifax! You will no longer violate me and cause my life a living XXXX from your negligence and willful noncompliance. 

Please also note that you ( Equifax ) are the only bureau reporting this fraudulent account on my credit report. XXXX and XXXX  deleted the account months ago, after my first attempt. Also please note that you all deleted the XXXX inquiry not too long ago as well. That alone verifies there was an error. How is the account mine but the inquiry isn't?! 

Equifax is also reporting the wrong phone number for me in my personal statement section where is states creditor should contact this number before extending credit. The number reporting does not belong to me and I do not know who it belongs to.