davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Under the fair credit act, Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter - I sent letter on XX/XX/2021 date VIA USPS certified mail. 

PORTFOLIO RECOVERY Last XXXX : XXXX
Consumer complaint received 2019-10-03
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (VA)

Navient keeps calling extended family members and those who have nothing to do with my debt. They have my address and phone number so there should be no reason to call family members. They also call my personal cell after XXXX XXXX and sometimes before XXXX XXXX.
Consumer complaint received 2019-10-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Apothaker & Associates, PC (NJ)

I have a situation with a harassing collector with verification of validation letters, and I am still investigating why they are wanting to collect on a debt that exceeds the amount and the time of the statues of limitation in my state of NJ. 

My finances went out of control, and I have the reason to believe based on collectors standards, any debt charged off from the original institution, is sold pennies on a dollar. 

So if in any case I should pay, it should be above the amount purchased enough for them to attain a fair profit.
Consumer complaint received 2020-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I spoke with XXXX XXXX yesterday about an account that was opened in XX/XX/XXXX and closed in XX/XX/XXXX. They continue to report late payments even though the card is paid in full and closed. 

This last time they reported 120 day late payments every month from XXXX. This is having a substantial and negative impact on my credit score. 

I have spent 3 years trying to resolve these issues. They continue to report as if my card were open and I am making late payments. 

I asked them to look into this account and why it is reporting late and they say the can not find the account and that there is nothing they can do. 

The told me that all I can do is dispute it with TranUnion. 

I told them that they are reporting it to TransUnion so they need to fix the problem and stop reporting late payments. They refuse and they will not take responsibility for their problem and fix it. 

Please help me resolve this issue so XXXX XXXX doesn't continue to report late payments on an account that was paid in full and closed more than 10 years ago. 

Thank you!
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I sent request about removal incorrect information on me credit report. I checked it and find out a few medical collection which I never belong to me. I always paid my bills in full and never had a dept. All of them opened like fraud accounts.

( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

Please remove as soon as you can every fraud accounts.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (TX)

In XXXX of 2017 we accepted a 3 month deferred payment plan as a result of Hurricane Harvey. Prime Lending gave us the option of refinancing, accepting a partial payment plan, or repaying the amount due. We elected to repay the loan and we have verified multiple times with the mortgage company that our account is in good standing, we are paying as agreed, and our account is current. 

Despite this, Prime Lending has been adding derogatory remarks to our credit report since 2017 indicating that we are on a partial payment plan. This is preventing us from refinancing or getting other loans as we are essentially locked in with Prime-lending. To this day when we call they deny we are on a payment plan but continue to add these comments We sent a certified letter on XX/XX/XXXX asking them to remove the comments or show proof of acceptance of a payment plan agreement. Prime Lending received and then denied our request for resolution. We raised disputes with all three credit agencies which were again denied by Prime Lending. 

On XX/XX/XXXX we sent a certified letter again asking for a copy of the signed partial payments agreement. On XX/XX/XXXX a " Presidential Dispute Representative '' called us to ask some questions. Together we went through all of the payments made since 2017 and confirmed all of the payments had been made and our account was current. A Ms. XXXX XXXX informed us she would get back to us in 5-7 business days with a response. There has been no response and the number I had previously been given to contact her is no longer in service/ can not receive direct calls. We have been blocked from contacting Prime Lending. 

We are asking that all comments of " Partial Payment '' be removed from our account immediately and we will likely be seeking retribution for this unfair act by our mortgage company.
Consumer complaint received 2022-10-13
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. (LA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CA)

i have a credit limit of {$1000.00}. I made the minimum payments for a few months after spending 90 %. i communicated with them after my bank account declined the minimum payment so i received payment. A little over a month later i stated in a phone call i will pay off the entire balance instead of just minimum. With my lack of financial literacy i made the entire payment a night before the month ends.It wasn't for a few days, the missed payment on my credit report and also wasn't get credited until 10 days after. I believe in good faith so the action of trying to pay off the entire amount and not just the minimum should be given grace for a missed payment that vastly affects my score
Consumer complaint received 2019-05-10
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: Ad Astra Recovery Services Inc (LA)

On XX/XX/2019 I made a payment to clear a past due account that was through XXXX XXXX but was sent to Ad Astra Recovery Services as an account in collections. Upon my payment Ad Astra Recovery Services promised to have the collection account removed from my credit reports in 30 days. Today is XX/XX/2019, 37 days later. The collection accounts have been removed from XXXX & XXXX but still remain on XXXX.
Consumer complaint received 2018-04-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (IN)

On XX/XX/2018 I did a mobile check deposit of {$300.00} to my bank. According to the bank details and transaction balance, the check was posted in full to my account that day bringing my balance to {$320.00}. I also made a payment for {$290.00} which, according to the bank records displayed to me, was deducted and left an account balance of {$34.00}. Despite having a positive balance, the bank charged an overdraft fee of {$37.00}.
Consumer complaint received 2019-05-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (CT)

On XX/XX/XXXX I got a letter from EOS CCA stating that XXXX XXXX had placed my account with them for collection because I owe {$30.00}. That if I wished to restore my service with them that I needed to pay. Normally I wouldnt have a problem with paying those {$30.00} but seeing as to how I contacted XXXX and they told me that my account wasnt under any suspension AT ALL. Plus a month before I thought I actually owed money but i has communicated with XXXX   and they said Id be charged the following month on XX/XX/2019. So why on earth am I getting a letter from a debt collector saying I OWE MONEY when XXXX themselves said I didnt owe anything at all and I dont have to pay till XX/XX/2019?! Makes 0 sense.
Consumer complaint received 2019-04-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Social Finance, Inc. (GA)

Back in the Fall I incurred some unexpected medical expenses. SoFi had a temporary forbearance program that included XXXX expenses. I applied and didn't hear back, so after a time I checked with them and they stated that they didn't received the required paperwork, so I resubmitted it all, but at that point they said since the bills were over 60 days they weren't applicable. So I've been struggling to catch up ever since. Along the way I've had some other expenses come up that have stretched my budget, I also submitted General Forbearance applications to try and get some relief and again they get rejected for arbitrary reasons to a point where again they can then claim they are too " old '' to be considered. Per the terms of the loan I am entitled to up to 12 months of forbearance assistance, but denying me in my opinion they are violating their own loan terms.
Consumer complaint received 2022-10-13
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-18
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: EQUIFAX, INC. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX bank account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-18
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX ( 1

) 15 USC 1681 Section 602 states i have the right to privacy. ( 2 ) 15 USC 1681 Section 604 A section 2 : it also, states a consumer reporting agency can not furnish a account without my written instructions ( 3 ) 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 2023-06-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I submitted the attached to Equifax on XX/XX/10 via certified mail. I have not recieved any response I reviewed my Consumer Reports and noticed that I had payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2019-10-03
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (PA)

Our mortgage company, XXXX, went bankrupt in XX/XX/2019. Through XXXX and all antecedent mortgage companies, we always had Auto-Draft of payments, and we have therefore never missed a payment in the 18 years we have lived here, our first home. 

On XX/XX/2019, we received a letter from NewRez/Shellpoint, welcoming us to their family beginning XX/XX/2019, and assuring us that, and I quote, " Your Auto-Draft payments will continue. Our records show that you have been paying your mortgage by Auto-Draft. Good news : your Auto-Draft arrangements will carry over  when your loan transfers to us. Your payments to us will be deducted from your account on the date and in the amount you arranged with your previous servicer. No action is required on your part. '' This document has been provided to our banking institution. 

Were we wrong to believe the documentation from the company? When we spoke with them over the past weeks after we received the dunning notice for late payment, they freely admitted that this was their error. We provided our routing information the last week of XXXX in a conversation with one of their representatives on a recorded line, and yet the XXXX payment was STILL not Auto-Drafted. And we were assured that this would not impact  our credit. And yet, it has. A second call to a different agent to verify that the XXXX payment had gone through netted us the data that their agents are UNABLE to take bank routing over the phone and we would need to send them a voided check! 

I don't doubt that NewRez/Shellpoint has or will have thousands of these complaints as others in our situation realize that they, like us, are innocent victims of negligence on the part of this company. 

We resolved the overdue payment issue last week ( at least, we HOPE AND PRAY that it is resolved ), and still this credit issue is keeping us from a car loan that we certainly have the resources to repay. It is unfair that we are being punished for this, and in fact, I think that NewRez/Shellpoint should have to reimburse us, and all the others impacted, for the time, expense, and embarrassment of being repeatedly denied financial services that we have every reason and right to expect. 

You may believe that at least for the next three to six months, we will be verifying with our banking institution that the mortgage has been Auto-Drafted on time. As our past President Ronald Reagan said, " Trust, but verify ''. 

Thank you for your prompt attention in this matter.
Consumer complaint received 2019-10-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (MD)

In XX/XX/XXXX, I had a car financed through Credit Acceptance Corporation and it was declared totaled in XX/XX/XXXX by the auto insurance company. The insurance company paid the payment for the car. I spoke to a Credit Acceptance Corporation representative ( with a nasty demeanor ) in XX/XX/XXXX. I told him that I did not believe I did not believe I owed any more funds on the vehicle because the loan was paid off early. The representative stated that I still had a balance due. I inquired about the Extended car warranty and the Gap coverage that was added to the loan and was it pro-rated and removed from the balance. He mentioned that was the gap coverage was removed & I was issued a credit towards the balance due only. I requested a verification and statement of transactions and the amount that is due. He said he would email it to and verified my email address. Credit Acceptance Corporation does not mail me any statements or communications regarding this car loan and never have. As of today, XX/XX/XXXX, I have yet to receive any mailings or emails from the Credit Acceptance Corporation regarding the auto loan, however, they call me daily requesting payment for a vehicle that was paid off by the car insurance company. and they are reporting the loan is delinquent to all credit bureaus. If I owe the loan after it was paid off, why won't they send me written documentation of the balance due and details of the payments they received? How could this company harass a customer for payment without validating or verifying the debt when requested and report derogatory information to credit bureaus?
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Radius Global Solutions LLC (CA)

Once I seen these account I asked them to verify due to fraudulent and unauthorized transactions and identity theft, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2021-04-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

Experian did not provide me with their method of verification requested on XXXX XXXX after receiving the results of a reinvestigation for XXXX acct # XXXX. Under the FCRA I had the right to request after the reinvestigation, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. Experian instead sent me an E-Oscar automated generic message that did not meet the FCRA notice of results of reinvestigation ( see below ) or my request. This is the same message they sent me for other request to reinvestigate and after they reinvestigated, I requested their method and verification and each time this is the exact same notice I receive. It neither includes : a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.