davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-14
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rocket Mortgage, LLC (FL)

FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY My problem is with the company Quicken Loans Inc. The company is reporting to me in the three credit  companies XXXX, XXXX and XXXX that the payment for the month of XX/XX/XXXX was not made before XX/XX/XXXX. The payment was made on XX/XX/XXXX. Quicken Loans alleges that the bank rejected it. I reject it because they sent it to the account of the XXXX XXXX that account is closed and I let them know. They say that after they sent him to the correct bank and he was cashed on XX/XX/XXXX. I'm not to blame for the mistakes of Quicken Loans.
Consumer complaint received 2019-05-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Kentucky Higher Education Assistance Authority (FL)

I have a consolidated student load balance that was refinanced in early XXXX with Kentucky Higher Education Student Loan Corporation. I had made monthly automatic fixed amount EFT payments over the first year of the loan. In XX/XX/XXXX and again in XX/XX/XXXX I made extra one time payments through the KHESLC online payment system with the intent of accelerating the payback of the loan balance. In XX/XX/XXXX, I received an alert from my credit monitoring service that my student loan balance had increased. I logged into the KHESLC web portal to determine what caused my balance to increase, and was surprised to learn that now EFT payment had been made in XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. 

I contacted KHESLC on XX/XX/XXXX. I was informed by XXXX that when you make a one time payment online, EFT is temporarily suspended and your due date is pushed out equivalent to the number of monthly payments the one time payment would have covered automatically. The only way to prevent that and continue with the scheduled EFT payments and make a one time payment is to either email or call into a servicing specialist first. I was informed I accepted this practice by signing up for EFT payments 14 months ago, and was also denied my request to have the payment I made back in XX/XX/XXXX and XX/XX/XXXX retroactively applied to the monthly statement balances and accrued interest credited. I also requested and was denied an escalation to a manager or supervisor to review. At no time during the online payment process was I made aware the one time payment would pause my monthly scheduled EFT payments, or given the option to choose whether or not I wished to pause or continue those payments. If desired, it would have been very easy for KHESLC to make me aware with a pop up or acknowledgement at the time of payment so I could take appropriate action to ensure my regularly scheduled EFT payments continued. 

I believe this to be a predatory lending tactic whereby KHESLC is able to increase accrued interest on the loan without the knowledge or intent of the borrower, in an effort to increase their profit. As a result I lost over {$300.00} of what should have been a payment on loan principle to interest. If not outright illegal, this practice is clearly unethical.
Consumer complaint received 2019-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D&A Services, LLC (NY)

D & A services keeps calling me and sending me letters for some " XXXX XXXX XXXX '' debt I've never had - {$1100.00}. I wrote a letter and answered the phone one time stating such and to please stop contacting me about this. Additionally, that being on SSDI I couldn't even afford to pay this just to get it off my credit report and move forward. Suffice to say, I never received a reply and when I answered the phone the one time and said that I was hung up on. This particular company has a lot of negative complaints about it on XXXX on various forums and web sites. I only want this to stop and have it removed from my credit report. Any help would be greatly appreciated.
Consumer complaint received 2019-05-14
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. (UT)

I've been trying to fix the spelling of my name on my Equifax profile to no avail. 

My home purchase is currently in jeopardy because of this : I'm probably going to miss my closing deadline and lose a lot of deposit money. 

I finally was able to send them a fax with verification of my identify ( SSN card + drivers license ), and then I had to call them multiple times to initiate a credit dispute, each time it took about an hour speaking with a person who barely speaks any XXXX I tried to do this online, but those functions are currently broken on Equifax website. I even tried to pay them $ XXXX to access my credit report online - and that doesn't work too, the registration wizard is broken. Specifically " Step 3 : Identity Verification '' page has XXXX failures which prevent it from loading ... 

With credit dispute open and after I confirmed my identity over the phone a number of times, it still will take them " up to 30 days '' to just fix the spelling of my name! This is outrageous, it's been a week and I haven't heard any updates. Their website function to verify a status of the case is broken too, so I'll have to call again to check - and waste another hour of MY LIFE talking to them. 

Naturally, I'm not the only one experiencing such problems : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Oh and I forgot : they also leaked everybody 's data all over the Internet in 2017. 

This company is a disgrace. It needs to go, broken apart, restricted, taken over by the government. 

Thank you XXXX XXXX for dreaming this agency up. I have a lot of respect for you, for challenging the status quo on so many issues.
Consumer complaint received 2021-02-20
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. (MO)

Hello, I recently just disputed incorrect information on my Experian credit report regarding XXXX XXXX XXXX XXXX which is my car loan. I have a total of 4 late payments on this account but 2 are incorrect which are late payments from XX/XX/2018 and XX/XX/2018. According to my XXXX/XXXX  credit reports I should only have 2 late payments from XX/XX/2018 and XX/XX/2018 which is a total of 2 late payments on each credit report, so I'm not sure why Experian is reporting 4 late payments even after I sent documents supporting my dispute from both XXXX/XXXX. This is my 3rd attempt to try to get this inaccurate information removed from my Experian report. In the attach documents section I will enclose my Credit reports from XXXX ( Screenshot 10 ) XXXX ( Screenshot 11 ) Experian ( Screenshot 13 )
Consumer complaint received 2019-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Debt Counselors, LLC (TX)

Today I got another threatening letter from UDC, LLC XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX-XXXX-XXXX-XXXX ) telling me I owe money. I don't owe them any money because its 's a scam. I received a second letter the same day I received the threataning letter from UDC, LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX-XXXX-XXXX-XXXX ) and they want to give me a loan for almost the exact amount of money I owe the other company. Please, stop UDC, LLC from sending threatening letters to people that don't owe them money. Also, shut down XXXX to keep them from pretending to save people from fake debt by giving them real debt. A scam like this can easily ruin the life of someone that can least afford it.
Consumer complaint received 2019-05-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (MI)

After my student loans had went into repayment the payment amount was too high. As a result of the high payment I had applied for options regarding a lower payment. The documentation that was requested to make arrangements was sent to the company. The documentation was either not enough or not what they needed. As a result to the runaround my credit report shows that I have 84 missed payments from XX/XX/XXXX-XX/XX/XXXX a total of six missed payments for each student loan account as they are not consolidated. I was finally able to get onto an income driven repayment plan after speaking to the right person and bring the account to current.
Consumer complaint received 2020-07-13
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 — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc. (TX)

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2018-02-14
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)

Have been attempting to unsuccessfully get the following negative items deleted from my credit report as I believe them to have been added to my credit report not in compliance with current Consumer Protection laws XXXX XXXX account included in bankruptcy reported on Experian Chapter XXXX bankruptcy filing on Experian, XXXX  and XXXX
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

XX/XX/XXXX( Loancare ) is mortgage company, loan # XXXX, under name of XXXX XXXX XXXX XXXX. the problem is can not communicate with them, no one to talk to, are asking for late charges when payments are made 3 to 4 weeks in advance of payment date. Their statements to us are received after due date, we are using old statements & correcting the date. Just received statement today indicating we owe for two months, which we don't, but can't talk to anyone, only computer prompts. # 's to contact us at XXXX, XXXX, XXXX
Consumer complaint received 2018-06-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALEXANDER-ROSE ASSOC, INC. (OK)

My wife signed a lease where we were insured that there was a Military Clause. We toured the property together in like mid XX/XX/XXXX and they copied my ID. My wife signed the lease on XX/XX/XXXX which is clear even on the paper they sent us to prove that there was no Military Clause and the had no idea I was going to the Military, but the Lease copy they sent us has a Military discount. Also I left late XX/XX/XXXX to report to a hotel to meet my recruiter and was sequestered at a hotel to wait for all the other recruits. On XX/XX/XXXX I was starting my first day of basic training in the XXXX. So there is no way that I was in XXXX at all. Even the debt collector said our names were written in different color ink. But he " handwriting expert '' says the signature on the lease looks like the signature on my ID. She sent us the paper and what it is, and what it looks like is someone trying to copy my signature. I sent the collector proof of my orders that specifically show that I never signed a lease or even lived there. I went straight from basic training to XXXX to being XXXX in Alaska at XXXX XXXX. My problem is that falsifying my signature made that whole contrast null and void.
Consumer complaint received 2021-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

My phone was stolen on the evening of the XX/XX/2021 and they loged into my wells Fargo Bank AP and did five transfer using XXXX totaling XXXX Dollar 's and they won't refund my money I have a police report that I sent to them along with a receipt for the new phone I had to buy still nothing was done
Consumer complaint received 2019-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. I have filed a FTC report and contacted my local police department. I'm doing this on my own behalf. XXXX XXXX XXXXXXXX, XXXX, XXXX.
Consumer complaint received 2019-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered the cable and internet service with the XXXX XXXX XXXX   without a contract. I canceled the contract and they are charging me the equipment. I give the equipment and I will send you proofs. I did not give him the information of my social security I do not understand how they got it.
Consumer complaint received 2018-06-12
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: Credit Karma (FL)

I logged onto credit karma to check my score and a random card from XXXX XXXX in Utah popped up on my account. I have never even been to Utah and I have no idea where or who this card belongs to. I filed a dispute but I am worried someone has stolen my identity.
Consumer complaint received 2018-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

they didn't properly disclose to me that they were charging me a servicing fee. I paid it on time online and now they are trying to charge me a servicing fee for making a payment online. The amount they state on the first page is the monthly payment amount. It only gets added to the amount they are going to charge on the 2nd page. Furthermore, I tried to cancel it online and they don't have an option to cancel a payment ( it was made on a Sunday ). I tried calling on Sunday before it was processed and they were closed. When I called on Monday ( today ) they said it was already processed and they couldn't do anything about it. The loan servicer gets paid large fees to service the loan. Why do they also need to be shady about charging servicing fees to the people that pay their mortgage?
Consumer complaint received 2019-05-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (FL)

Last year, about in XX/XX/XXXX, I closed my XXXX account and returned the boxes because my wife opened another account to take advantage of some promotions. I paid my last bill and when returning the boxes I asked again about a balance pending to be paid, and they said I was up to date with my payments.

Last week, XX/XX/XXXX, I received a phone call from a lady claiming I needed to pay {$76.00} for a past debt with XXXX. I asked for clarification but she just said I needed to pay it right away or she will send me to collections. I told her I paid everything when I closed the account and she just said call XXXX  and talk to them. Then Hanged up. I called XXXX  and they said I was up to date with my payments. I asked to check in previous accounts and they didn't find anything. I thought that call was a scam, due to they didn't find anything in their system.

Today, XX/XX/XXXX I received a letter from Diversified Consultant Inc. stating I am in collection for that amount. I called and they said my credit was already affected. That is completely not acceptable!!!! If I owe the money I can pay it, but I would like to receive clarification about it due to the fact all other customer services agents were saying I was Ok with them ( XXXX  ).

Additionally, it is completely unfair to damaged my credit score for something I didn't even know I was owing. If I owe that money, I can pay it with no problem, but they need to fix my credit because now this record affecting my credit history and score.

I can assure you I never received anything from XXXX  on regards to this balance, otherwise I would have called them to find out about it and pay it. This is the main reason I am submitting this request, so they remove that from my credit history and fix my credit score. 

Thanks.
Consumer complaint received 2019-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In XX/XX/2019 while checking out I applied for a Kohl 's credit card and was approved. I received the card 7 days later. Approximately two weeks later I received a letter from Kohl 's that they received a letter from me requesting the account closed because I never opened an account with Kohl 's. I wrote a letter to Kohl 's CEO Mrs XXXX that this was a mistake and this letter was fraudulent. In XX/XX/2019 I recieved a call from Mrs XXXX 's president, XXXX, that she was submitting this to the fraudulent department. I informed her that I was a innocent person of fraud and that my bank account was hacked. I suggested that this may be related to the hacking of my personal information with my bank account. Approximately one week later XXXX called me and said that my letter to Mrs XXXX and the letter requesting my account be closed were too similar and they were canceling my account. I informed her that there are millions of computers exactly like mine and I didn't write the closure letter. I reapplied for a Kohl 's credit card and was denied. I wrote a letter to Chairman CEO, XXXX XXXX on XX/XX/2019 about this matter. He never replied to my letter. I feel I was mistreated and accused of writing a letter to close the account that I never did. I feel they should reopen my credit card account.
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

I lost my debit card XX/XX/21 and 16 transactions were withdrawn from my account within two days until Citibank finally froze the account and sent me an email XX/XX/21. I called as soon as I saw the email. {$2400.00} total. They say my pin was used and don't want to pay me back. Then they keep asking me for different things to do which take several weeks each like calling the police, getting a police report, calling different numbers, faxing the report, etc. It has been 3 months and still no results when doing everything they have asked me for.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE 27 INQUIRIES ON MY XXXX AND TRANSUNION REPORT THAT I DO NOT RECONGNIZE. I HAVE CALLED XXXX AND TRANSUNION SEVERAL TIMES AND THEY REFUSE TO DISPUTE THEM. I HAVE ATTEPTED TO GET A POLICE REPORT BUT THE POLICE WILL NOT MAKE A REPORT BECAUSE THERE WERE NO ACCOUNTS OPEN ED AND MISUSED. I HAVE CONTACTED THE CREDITOR THAT RAN THE CREDIT NO REPLIES.
Consumer complaint received 2018-06-12
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. (MO)

The following accounts on my report are a manifest of fraud, and I'm requesting that they be removed from my report. The accounts are as following, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have requested physical documentation as stated in the FCRA and if no documentation is provide then the accounts should be removed.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

In referfence to : XXXX previous complaint. 
If this is the incorrect way to do this, I apologize in advance. 
I have a complaint open with XXXX but the Experian portion of the complaint has closed. 
I need to say that there is absolutely NO WAY Experian verified student loan payment information with anyone. 
I just received a letter from the collection agency XXXX XXXX XXXX XXXX for Debt Collections System. 
For Payment/Financial History : It says Net Adjusted Transactions : {$0.00} Net Other Transactions : {$18000.00} Net Total Transactions : {$18000.00} I called and spoke with XXXX ( Direct Line XXXX ) from XXXX XXXX XXXX and she told me that she doesn't see that any payments were made on my student loans. 
That is what the Net Adjusted Transactions {$0.00} means. 
I previously sent Experian screenshots of all my student loans that I got from NSLDS.gov 's website and EACH loan says : Cumulative payment amount : {$0.00} Meaning, no payments were made. 
NSLDS is part of the Department of Education, who is my original creditor for student loans, and they say no payments were made and so does the collection agency. 
Even though I uploaded documentation to Experian to prove that no payments were made they are still insisting that a last payment was made XX/XX/XXXX because XXXX said so. Now Experian stated that XXXX isn't listed on their credit report, which is true. But that XX/XX/XXXX date is the date Experian is using to keep these student loans on my credit report, so it does matter. 
XXXX has no documents. I already asked them. They told me to ask the collection agency. I'm sure if Experian had contacted XXXX, that they would have sent them to the collection agency as well. If Experian had contacted the Department of Education, they would have confirmed no payments were made and same if they contacted the collection agency. It is clear to me that they did not speak to anyone. 
My loans went " In Repayment '' status in XXXX XXXX. Since no payments were made that would make the Date of First Delinquency XXXX XXXX, making these too old to be on my credit report as I keep saying. 
The collection agency representative tried telling me that since it is a federal loan it can stay on my credit report indefinitely. 
This is NOT a Perkins loan and negative information will fall off my credit report after 7 years. That is why all credit bureaus have a Date of First Delinquency and a fall-off date listed. 
The collection agent had no reply to that. 
I don't see how hard evidence is not enough for Experian or the other credit bureaus to delete these loans from my credit reports. 
I have sent enough proof that they are too old, yet it comes back as verified as correct?