davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-30
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. (IL)

Somehow someone or some entity is reporting me at bogus addresses. I have fixed the issue, so far, with XXXX and hopefully XXXX XXXX, but Equifax is a big problem. I thought I wiped the bad addresses off my report ( I have lived at my current address XXXX XXXX XXXX XXXX IL  XXXX for 10 years ), yet when I obtained my most recent report. they showed back up. I called to have them wiped, but I need to know who is doing this. As you can see from the report itself it shows me being at my address since XX/XX/XXXX, which is the date I called to get the addresses wiped again. If you look at the report date on the XXXX  address it was XX/XX/2019. I lived at that address 40 years ago! The XXXX XXXX XXXX one was 20 years ago and I never lived in XXXX. Now if you look on page 42 of my pdf copy of the report at the " soft inquiries '' it shows 2 consumer interviews, one on the 4th and another on the 7th. I think it's a monumental screw-up by their customer service. Instead of correcting my addresses they made it worse. I have lived in IL the last 15 years with all documents and records to prove it. Just ask the IRS, or Social Security Administration. Please help me.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (KY)

I was contacted by Caliber Home Loans ( my existing Mortgage Company ) about refinancing to an FHA Streamline Mortgage, which I agreed to do. I had not yet made my XX/XX/2019 payment and was advised to not make that payment as I would pay that payment at closing. Closing was scheduled for XX/XX/2019, and I contacted my Mortgage company again to ensure that I didn't need to go ahead and make the payment. Again I was assured that the payment would wire and be paid before I was considered 30 days late. I paid my payment to the closer and the loan funded on XX/XX/2019. The payment posted on XX/XX/2019, causing my account to report as being 30 days past due on my credit report and my husband 's credit report ( XXXX XXXX ). I contacted Caliber today ( XX/XX/2019 ) to  request that this be removed from my credit bureau report as I was advised this would not be an issue and reassured on more than one occasion. The agent advised me that due to FCRA, they can not remove this negative reporting and that collections continued to contact us during this process. I advised that the collections department did call my husband and he advised we were in the process of refinancing and their only response was that they are unaware of the process that goes on related to refinancing.
Consumer complaint received 2021-03-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (FL)

HIPAA Violation!!! I have received my confidential medical records in response without a prior written release, clearly violating my rights under HIPAA. Again, I DID NOT sign a HIPAA release form authorizing Transworld System Inc access to my medical records. They should not have access to XXXX XXXX, and Diagnosis Codes pertaining to my medical treatment. Do not keep sending me your generic validation letter! All collections pertaining to this debt needs to be cease and remove from my XXXX, XXXX  and XXXX  credit files immediately. This company is again violating my HIPPA rights as a consumer. I have filed a HIPAA complaint and filed a lawsuit against Transworld with my attorney. Remove this from my credit report now! This matter is not resolved and i will continue to file lawsuits and complaints until this debt is removed!
Consumer complaint received 2019-09-19
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc. (MO)

In XX/XX/XXXX with classes starting in XX/XX/XXXX, I enrolled in XXXX  college. I soon after decided to go another route for my career, so I dropped all of my classes. I knew at this point that there would still be some expense, which is understandable and I was prepared to pay for it, no problem. 

I expected an email, letter, or call, or something regarding my outstanding balance, but I didn't receive anything. I already paid a small sum of money to them after I registered, and since I dropped my classes so early I figured I didn't owe them anything since I never heard from them. A student loan pops up on my credit file in XX/XX/XXXX. Balance owed is {$370.00}, and I set up payments. No issue with this. This account ( XXXX/DEPT OF ED ) is not the problem, just to be clear. 

Fast forward to XX/XX/XXXX. I get a notice from a credit monitoring service about a new collections account, and of course dive in right away to investigate since this is completely unexpected. There is a balance of {$1800.00}. I have to XXXX to find what the company name even is since I don't recognize it - NTL CREDIT MGMT. 

Eventually I find out that it is for school tuition, for the classes that I dropped. Immediately I call the school to figure out what happened, and here it is summarized : Whatever department at the school is responsible for crediting the refund for tuition for dropped classes failed to refund ( or possibly failed to allocate a refund as credit for tuition ), which left it as an unpaid balance on my account and eventually went to collections. 

Once I informed the school of their error, the billing department/registrar moved the refund to credit the balance owed which is now in collections ( or maybe simply notified the collections agency ). After the {$980.00} credit to the collections agency, there were still some smaller account fees which is no big deal, but there was also a collections charge of something like {$400.00}, I don't remember and can't locate the exact amount, which is a total of {$820.00} still owed, and about half was the collections charge. They update the outstanding balance, but not even the original balance, let alone the collections account itself which I think should be removed. 

I tried to reason with the school, and the collections agency for about two months before I finally fall back to paying it. I even went as far as requesting an exception from the board of directors and dean at the school, but they didn't do anything to help me.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. i tried disputing it because i had paid it and it was their websites problem and not mine but they refused to remove it. Please help
Consumer complaint received 2019-09-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc. (FL)

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of t
his title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX   XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

Have disputed this reporting with all 3 bureaus, Equifax, XXXX XXXX and XXXX after verifying with Us Bankruptcy Court XXXX that they do not report bankruptcies to the credit bureaus. Contact was made 6 times in XX/XX/2019, with no verification from the bureaus and they have not removed the public information of bankruptcy.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : 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 2019-09-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Was told by rep that XXXX could be an option for loan forgiveness and when I called back for XXXX forms they took it back these folks are loan sharks, will not with you if offer to pay reasonable amount and not a mortgage payment they dont disclose the scam about taking all your expense in total to get fair is really credit bureau pull, this needs to be discolored the is deceptive trade practice
Consumer complaint received 2019-09-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (GA)

I already raised concern about the collection record on my account for XXXX XXXX. My concern is if I did not get any call for any debt how would I pay it. I did not even know about the amount for XXXX XXXX Hospital and one day suddenly I saw debt collection in my account which is not valid. Also I want Americollect to remove that collection record from my account. They can not add collection record without even informing customer.
Consumer complaint received 2019-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (KY)

Started receiving harassing calls at my office regarding breaking a lease with XXXX XXXX XXXX in XXXX, KY in XX/XX/2019 from Hunter Warfield representatives. Received calls daily for several weeks until I learned I could send a written notice telling them to cease and also request proof of debt. I was not under a valid lease agreement and have provided the collection company proof of such but they continued to claim I owe the debt. What they sent me is exactly what shows that I was not living under a valid lease agreement. They had provided a copy of a lease that expired 6 months prior to me vacating the property. Called Hunter Warfield on XX/XX/2019 to try again to show them I was not living under a valid lease agreement and ended up talking to someone named XXXX that identified himself as a senior manager. All he did was talk over me, threaten to ruin my credit score and argue that the lease agreement was valid when it clearly isn't. The apartments ' management company, XXXX XXXX, turned this over to Hunter Warfield without ever  contacting me which makes me wonder if they knew they didn't have a leg to stand on so they'd see if an aggressive collection company could scare me into paying something I wasn't responsible for. My rent was current and paid in full prior to my moving out. I had given them more than 30 days notice and even told them they could keep my {$200.00} deposit.
Consumer complaint received 2019-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

In XX/XX/2017, I made a monthly payment to my federal student loans serviced by the Pennsylvania Higher Education Assistance Agency. The payment cleared my bank account the next day, but didn't clear their system. When I called to inquire about the matter I was told I just needed to wait " 2-3 business days. '' I waited, the payment didn't clear their system, and my loan was put into late payment status. I called again, was asked to submit proof that the payment cleared my bank account. I did this, and the response was, " you have to wait 7-10 business days for us to investigate the problem. Sorry, there seems to be a 'glitch ' in the system. '' It took a month for them to push the payment through the system and post to my account, with me following up via phone every week. I spent hours on the phone with multiple people, having to explain the problem each time. While I was waiting and growing concerned about the fact that my loan was in a 'late ' status and quickly approaching the next payment due, I was told to " not worry about it because we only report past due accounts after 90 days. '' Excuse me, but this is utter incompetence. And I have no recourse to rectify these problems when they occur.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

MY NAME IS XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX SC XXXX My DOB XX/XX/XXXX my SS XXXX. I have addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. 
I have attach my proof of ID and address.
Consumer complaint received 2019-09-19
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. (SC)

MY NAME IS XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX SC XXXX My DOB XX/XX/XXXX my SS XXXX. I have addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. 
I have attach my proof of ID and address.
Consumer complaint received 2019-09-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (WV)

We are under contract to buy a home and had been working with Navy Federal in the mortgage process. We received pre-approval in a relatively timely manner and a loan estimate via email after repeated phone calls and email attempts. When we decided to use Navy Federal as a lender, we began calling with questions for our loan officer. We called approximately 60-70 times and left at least a dozen messages for both her and her listed supervisor. We have still never spoken to her or her supervisor on the phone or received a call back, only sporadic emails ( maybe 5-6. ). Getting increasingly frustrated with the lack of contact, we called NFCU general phone number on two occasions. The first occasion resulted in the agent going in to speak with our loan officer ( XXXX XXXX ) then relaying information to me, namely that XXXX was too busy to talk and that we would receive a call back. We did not receive a call. XXXX business days later I called the general number once again and was told that XXXX was in the office but could not be reached. The call was escalated to a supervisor. The supervisor informed me that he would email XXXX and her direct supervisor but that no other action could be taken to assist us. When asked what a reasonable time frame in which we would be contacted, he stated that he was unable to predict the future. We inquired on both calls with the customer support about switching loan officers and both times we were informed we could apply for a new officer, but would not be able to get one within our closing window to avoid delaying closing date ( deadline of XX/XX/2019. )
Consumer complaint received 2019-09-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (TX)

I closed on my home on XX/XX/XXXX with Rocket Mortgage/Quicken Loans. Before closing, I provided Quicken Evidence of Insurance documentation for my FHA loan showing a full balance due of {$1900.00} to be paid by the Mortgagee ( see attachment ). At closing, Quicken only collected 4 months of insurance for a total of {$650.00} and subsequently only paid {$160.00} to my insurance company. On XX/XX/XXXX, Quicken made an unanticipated disbursement of {$1700.00} to my insurance company. I called Quicken and asked why they made an additional disbursement and their only resolution was to spread the shortage out over 24 months. I should not have to pay for their mistake. On XX/XX/XXXX they made another unanticipated disbursement out of my escrow account iao {$1900.00} to my insurance company. I contacted Quicken via email the same day and was told the additional disbursement was made to prevent a lapse in coverage and to send any refunds from my insurance company to fund my escrow account. I now have a deficit of - {$3700.00} in my escrow account due to poor origination AND servicing. This is EXACTLY how consumers are setup to fail. I provided all the required/accurate documentation upfront and am looking at a payment increase that will exceed what I am able to afford. Where is all of this money? I want Quicken to pay for their mistake iao {$1700.00} and find that extra disbursement they can't account for to put back to my escrow account. Please help as my requests to them have fallen on deaf ears.
Consumer complaint received 2019-02-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (TX)

They repeatedly call, leaving a message for " XXXX XXXX '' or something. This is not me and I have no option to stop them calling cos it's a robocall. I XXXX  number and it tells me it's from ProCollect ( not mentioned in spam ).
Consumer complaint received 2019-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NY)

I believe Synchrony bank conducts business in a predatory manner. When they offer deferred interest and demand that you receive statements online in order to qualify, it's easier to miss the due date. I incurred {$4100.00} in interest on a XXXX purchase. Yes, that's 41 % of my initial purchase. I made my payments on time each month and paid more than the minimum required but I'm a senior and in the process of retiring and moving my files were not easily accessible. I thought I had a 24 months interest free period when it was actually 18 months. Since I've had credit with Synchrony in the past and always paid on time, I called to ask for a reduction of the interest - they denied me. Their interest rate on my new balance is {$200.00} per month, with the deferred interest added back on. This means if I kept making {$300.00} payments it would take more that two years to pay off the rest of the balance and they would have collected more than 100 % interest on a {$10000.00} purchase. This seems excessively greedy and predatory.
Consumer complaint received 2019-09-19
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. (NC)

XXXX XXXX XXXX XXXX XXXX based out of XXXX, MO pulled my credit report without my authorization. My husband had been working with them on a pre-qualification. I was not involved in any of their previous discussions. 

I did not authorize them to pull my credit report. When I called on XX/XX/XXXX to inquire as to why they did pull my credit several people were conveniently " unavailable '' to talk with me. On XX/XX/XXXX a person named " XXXX '' from the " Production Management Team '' returned a call to discuss inquiry from XX/XX/XXXX. When I was able to speak with XXXX he informed me that my husband had filled out the online application and had given them permission to work toward a pre-qualification. When I contested his authority and my husband 's authority to grant permission to accessing my financial information his response was, " Your husband is allowed to grant us permission because you are legally married and he has that authority. '' Last time I check, this was not XX/XX/XXXX and I have my own rights independent of my husband and I am the only person who can grant anyone else access to my personal, identifiable information such as social security, HIPPA, etc. This includes access to my credit report. 

XXXX XXXX XXXX XXXX XXXX infringed upon my personal rights by accessing my financial information without MY express consent. The fact that I am married has no relevance in them not seeking my permission. I was not in contact with them during any point of my husband 's attempt to pre-qualify for a loan.