davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I had a car financed with Credit Acceptance and the engine blew. I called them and and they asked if I wanted to return it but never indicated that it would be considered a repossession. Had I known I would have kept the car even though it wasn't running. I just don't understand they never at any point indicated that it would report negatively on my report. We also agreed on a settlement for which I paid. I don't think that is correct that there was no mention that the account would report bad since they are the ones that recommended turn it in.
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My husband and I purchased a 5th wheel RV thru XXXX XXXX XXXX in XXXX, VA and financed it with XXXX XXXX XXXX XXXX. When signing our paperwork, we noticed the dealer put the wrong address on the form and we corrected it in the office. Unfortunately the information he turned into the bank contained the wrong information and the statement went to the wrong address. When we didn't receive a statement I contacted XXXX XXXX XXXX to make sure they received our paperwork. After going thru several people since my address did not match my social in their records ( plus I had no account number since we never received a statement ), we made the needed payment, changed the information to the correct address, and were told all delinquency would be taken off the account since we were the ones who came forward to correct the information. One week later it appeared on my husbands and my credit report for being delinquent. When I called the bank I was told they could not remove it and that we would have to file a complaint with the credit bureau.
Consumer complaint received 2017-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc. (FL)

I pulled my credit and found a XXXX account on it and that the company Convergent reported it to my credit. We had the service about 6 years ago and when we moved from XXXX to XXXX we sent the equipment back to XXXX in the box and label that THEY provided to us. I am now trying to buy a home and can not because this account is on my credit. I do not owe this money as we complied with the terms and equipment return process.
Consumer complaint received 2017-06-25
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)

I have had several unsuccessful attempts with TransUnion to have accurate reporting reflect on TransUnion file. As well as, I have not received any information after the initation of an investigation. Issue : Third Party, XXXX, on the behalf of XXXX XXXX XXXX has reported rent payments submitted online to TransUnion. After contacting TransUnion and being advised to have XXXX resubmit reporting to TransUnion. TransUnion has still failed to update my TransUnion Credit Report to reflect the positive reporting. Please assist in having TransUnion to update my credit report reflecting the positive online rent payment reporting for the following Months : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. Attached are supporting documents to reflect the information from XXXX showing the months that were reported. Also, attached is the online and cashier check rent payments made to XXXX XXXX XXXX of XXXX starting from XXXX XXXX, XXXX to XXXX XXXX, XXXX. Please assist in resolving this matter quickly and having TransUnion reflect the positive reporting onto my credit report.
Consumer complaint received 2019-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I had a statement balance due of {$3000.00} on XX/XX/2019. I made a payment for the current balance due of {$4200.00} from my banks savings account on XX/XX/2019. I received a confirmation of payment email from my credit card company on XX/XX/2019. I received a " payment posted '' email from my credit card company on XX/XX/2019. On XX/XX/2019 I received an email from my credit card company stating that my payment was past due. After speaking with my credit card company, I was told that they posted my payment & credit my account with the balance paid " in good faith '' that my bank would pay the charge. Since I wasn't notified that my bank did not make the payment until several days after my payment was due, I was charged interest for non payment. This seems unfair as I should have been notified sooner that their was a problem with my payment to give me a chance to correct it before incurring interest.
Consumer complaint received 2019-06-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Performant Financial Corporation (TX)

Previously, I filed a complaint with " XXXX XXXX XXXX '' but after  subsequent letter in the mail, I have the real debt collector regarding my student loans. This is the debt collector, " Performant Recovery '' located in XXXX, CA. 

Letter states, dated XX/XX/XXXX a student loan has been referred to " XXXX XXXX XXXX. '' This letter specifically states that " Federal Regulations require that we inform you that our client may elect to administratively garnish your wages.. '' Let 's recap. I've been unemployed on and off since XX/XX/XXXX. I have been unable to secure full-time work since. This type of predatory debt collector, who, is in another state sends me a threatening letter about either ( 1 ) single student loan or multiple loans stemming from unknown creditors and not record of being contact to defer payments or explore further option. This predatory collector just thinks a recipient is going to be financially taken advantage of for a large balance no one could possibly pay off and have no hard copies from the original student loan creditors, nor an explanation how they came up with this number. I have the letter scanned to send as proof. 

Collector name on the letter is " XXXX XXXX '' which matches the name of the person that phoned two family members within minutes of each other. On XX/XX/XXXX this person called a brother and sister-in-law. Asking for me. This practice is unsavory and predatory.
Consumer complaint received 2019-06-14
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: PHH Mortgage Services Corporation (MO)

On XX/XX/2019 I submitted a complaint with you regarding PHH Mortgage. My complaint was that they were unable to find a wire transfer of funds to payoff my mortgage and the had taken money out of my bank account to cover a payment that was not due them. 
On XX/XX/2019, the emailed me to inform that they were able to find those funds and applied them to the payoff. They told me the they would refund my payment within 24/48 hours. I have not seen those funds and PHH refused to respond to my emails appropriately
Consumer complaint received 2019-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CO)

I am asking for your help to resolve an issue I have that involves 2 different companies, LVNV Funding out of XXXX XXXX and XXXX XXXX XXXX out of XXXX XXXX, CA. 

In XXXX, I enrolled a delinquent credit card account I had with XXXX   XXXX XXXX into XXXX XXXX XXXX ( XXXX ) debt reduction program. That account was subsequently sold to LVNV Funding soon thereafter. 

Through negotiation on my behalf by XXXX, the account was settled and for 32 months payments were made to LVNV, ending in XX/XX/XXXX when the account was seemingly paid off. 

I continue to receive letters from LVNV Funding, their account management branch Resurgent Capital Services, and a law firm they have hired, XXXX XXXX XXXX XXXX, in my home state of Colorado. They say I owe {$7900.00} on this account. Every single bit of documentation I have shows that the account was settled and fully paid off, and I have provided the documentation to LVNV Funding. Yet LVNV continues to pursue me. XXXX provides very little help in the matter now. When I have talked to them, it seems like they are aware that some kind of mistake or error was made that they're not admitting to. This is just a feeling on my part. I have no evidence. 

I am now a XXXX XXXX XXXX XXXX XXXX veteran with 20 years service. I am also XXXX from the XXXX XXXX, Colorado XXXX XXXX   XXXX with 17+ years service with them. My only income is Social Security and my XXXX veterans retirement pay. I have had 2 stress related XXXX XXXX since XXXX, and this situation is only adding more stress. 

My fear is that LVNV Funding is going to file suit against me, and with the bills I have hiring a lawyer, let alone paying the amount they're asking for if I lost, would be virtually impossible. 

Thank you for any help you can provide.
Consumer complaint received 2019-06-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Massachusetts Educational Financing Authority (MA)

I am currently working with XXXX XXXX XXXX for my loans. I was originally with MEFA since I started college in XX/XX/2012, but my account was sold last year without any notice. 

Both MEFA and XXXX XXXX XXXX have failed to provide me with documentation in a timely fashion on multiple instances, the first being that my account was sold. Second, I have never received a copy of a promissory note or my loan contract. Third, my modified repayment plan recently came to an end. XXXX failed to notify me that this plan was in fact ending resulting in a jump in payments from {$560.00} to {$1100.00}. When I called to see what had happened, I was told I had been notified and the only option I had was to apply for the modified repayment plan again ( but not before requesting the {$1100.00} payment I did not have ). 

After submitting my application and documentation, I was denied for a modified repayment plan with no sufficient explanation. contacted XXXX and spoke to " XXXX '' ( ID : XXXX ). XXXX stated it was denied due to the debt ratio. I have spoken with several credit counselors and other loan companies who have stated that I do not have sufficient funds to cover my bills, loans and daily expenses. 

I requested a copy of my promissory note and a copy of my contract. XXXX told me I should have had my copy of the contract from XX/XX/2012  and the promissory note was available online. When asked where the promissory was located on their website, XXXX ( who had claimed it was available ) failed to find it herself and claimed she was " mistaken ''. I then requested both documents be sent to me, which I have yet to receive. Both documents should be available online at any time to review. 

Following this, I requested a forbearance on my account. XXXX stated that was not available to me as it was stated in the contract that I do not possess and was supposedly given seven years prior. I then requested an extension on my loans in an attempt to reduce payments. XXXX stated this company does not do refinancing and I would need to take out new loans. 

XXXX and XXXX have been extremely unhelpful and disrespectful. I have made several attempts to lower my payments over the years to no avail. As a young adult working with this company, I have the right to possess and ability to access all documents when needed. I also have the right to work with a company on lowering payments that are not feasible.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

PLEASE REMOVE FRAUDULENT UNAUTHORIZED ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX PLEASE REMOVE FRAUDULENT UNAUTHORIZED EMPLOYER : XXXX XXXX PLEASE REMOVE FRAUDULENT UNAUTHORIZED NAME : XXXX XXXX  XXXX
Consumer complaint received 2019-06-14
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Stallings Financial Group, Inc. (GA)

I called them about the debt and they were very rude. They told me to call multiple people. I didn't even call to confirm the Dr . Appointment and they are still charging. I had no phone or transportation. They were rude about that as well
Consumer complaint received 2019-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION (FL)

BB & T has a rigged system where they delay the deposit or withdrawal for transactions that you make for their benefit in order to charge each transaction an overdraft fee. Countless times I have made my usual monthly payments and I started noticing five or more buissness days going by without my bill payments being posted to my account and then a week later the payment post turning my account negative. With each transaction they charge {$36.00}. One time I went in the bank to show the teller this problem and the teller says to me, " open a BB & T credit card and we can transfer the overdraft fees to your credit card. '' That is another strategic attempt to profit off of their rigged system. This is called, unfair business practices. This is evidenced by them delaying payments that you make to other parties and one week later when you spend one dollar over what is being deducted, they strike. Then the ATM 's are not equipped with cash deposits so you can not add money to your account without the bank being open.
Consumer complaint received 2019-06-14
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. (OH)

Equifax failure to proper investigate is continuing to damage my credit which is not allowing me to establish credit because of all the fraudulent, inaccurate, and erroneous things on my credit inwhich have been found unverified and not validated its Peer credit bureaus. How could theyve investigated with so many inaccurate information
Consumer complaint received 2019-06-14
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. (GA)

I am XXXX years old and have used credit all my life including now. I am still actively managing my internet business and operating a small beef operation and use credit all the time. I have a FICO score of XXXX and I have a mortgage and several credit balances that are all in good standing. Recently I applied for an insurance policy with XXXX XXXX XXXX. When they checked my credit background with Trans Union, they were told that I had insufficient credit history. As a result, XXXX XXXX notified me that I am paying a higher premium than I would otherwise be paying. Do I have to wait till I am XXXX with active credit in good standing before Trans Union will have adequate credit history?!? Trans Union will do nothing to help. All they will do is send me my credit report and credit score.
Consumer complaint received 2019-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Collections U.S.A., L.L.C. (FL)

The amount {$2500.00} Was taken on XX/XX/2015 The business in which was there before when a bank robbed and was supposed to drop the cost of debt but never did and are still trying to pursue the amount.
Consumer complaint received 2019-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NJ)

using XXXX is problamctic merchants use it and mislead i have complained to them many times. Here, a cleaner left out what they do not do and i did not know they did not clean inside appliances or would not have ordered it. I had to pay another cleaner for the same service. XXXX is a problem, Merchants use it in a deceptive way. i disputed XXXX in XX/XX/XXXX and will not pay it. its back on my barclays account i got no paperwork to respond to which is typical and i stand my ground on the dispute this is for my upromise acct both cards are out of my wallet until this is properly resolved.
Consumer complaint received 2019-06-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (AL)

The reason for the medical care was because an incident happened at work and I had to be seen. My office manager at the time told me that the clinic was responsible for all cost. Now its on my XXXX  Credit once and twice on my XXXX  report. Ive made several attempts to check on this. And I never got a bill.
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I had a police report sent in along with my drivers license and social security card for fraudulent accounts on my file. The issues was resolved and the items were removed and o was sent another report, those items have reappeared and they have not been removed. When I call they say they dont see my drivers licenses and social for XX/XX/2019@ XXXX XXXX  is when it was received by equifax. I have the report they sent that was corrected and the most recent with the items back on.
Consumer complaint received 2019-06-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a maturity date of loan XX/XX/2019. Boa want to pay me full amount of {$40000.00}. 
They dont want to make any payment plan, modification or refinance because i had a BK in past. 
My maturity date is past due 90 days a d now they want to foreclose my house on XXXX XXXX. 

I have XXXX kids i waana keep house and wan na make monthly payment and i can afford but not the total amount of XXXX at once.
Consumer complaint received 2019-06-14
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. (CA)

Im a victim of identity theft. I have inquirys in my credit report I do not make. Please block these inquirys from my credit report because they are fraudulent XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX. XXXX XXXX  XXXX XXXX. XX/XX/XXXX. XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX. XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX  XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX  XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX. XXXX XXXX XXXX. XX/XX/XXXX. XXXX XXXX. XXXX XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX. XXXX. XXXX XXXX. XX/XX/XXXX. XXXX. XX/XX/XXXX. XXXX. XXXX XX/XX/XXXX. XXXX  XX/XX/XXXX. XXXX XXXX XXXX. XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2017-01-23
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CA)

I had filed a complaint with the CFPB and they resolved in my favor. They said that they did not report to a collection agency. They have lied about the reporting. Last week I went to buy a car and was told taht I had this on my credit report that affected the cost of financing the new car. The old CFPB case number was XXXX. This has effected my credit score and I demant that they compensate me and correct the false report as they stated to the CFPB. When I responded to the resolution I ask that they send me a clear copy of all credit agency showing nothing was reported to them. That never happened and here we are again.
Consumer complaint received 2019-06-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Columbia Recovery Group LLC (WA)

Columbia Debt recovery began garnished my wages without my knowledge on XX/XX/19. I was not served & not given a 30 day notice of this debt so I could dispute. I am now homeless and cant find a place to live because they are taking 25 % of my short term XXXX pay. I will file a civil suit against Columbia Debt Recovery and their business should be shut down due to predatory & illegal collection/judgment practices
Consumer complaint received 2019-06-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

In XX/XX/2018 I called to XXXX branch of Santander bank trying set up automatic payment withdrawal from my company 's business checking to pay for using my personal line of credit. Branch manager assured me that everything was set up. Later on in XXXX I received a call from Santader bank saying that payments for my personal line of credit are late for more than 30 days. I headed to XXXX branch of Santander bank to fix this problem. I made payments for XXXX and XXXX as well as for XXXX and XXXX. And again asked to set up automatic withdrawal from my business checking account .Due to inexperienced branch staff such a situation repeated again in XXXX and XXXX. 
I'm a XXXX  XXXX and I spend most of my time on road. That's why it's difficult for me to keep an eye on my mail and keep up with all notices that I'm getting. I relied on professionalism of branch team but they let me down. Branch manager tried to help me and called to head office to resolve this situation but Santander bank refused to delete these derogative marks from my credit history. I'm attaching a letter from XXXX branch of Santander bank to prove my word.
Consumer complaint received 2023-07-12
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. (NY)

I told the Experian, XXXX, and XXXX to reinvestigate these accounts. Collection charge off under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. 

For Collection/Charge off XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX