davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
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. (TN)

In XX/XX/XXXX, my loan was discharged under proven XXXX as submitted and accepted from my XXXX. In XX/XX/XXXX, Social Security returned a favorable decision in the court in XXXX, VA, backdated to XXXX XXXX when application was first submitted. Ongoing communication with the servicer XXXX has proved futile to correct my credit reporting as a severe derogatory item on my credit report.
Consumer complaint received 2020-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (UT)

We had a financial hardship and reached out to Amerihome for assistance back in XXXX. we wanted to modify our loan. They sent out wrong documents. They just sent us a general loan assistance packet. so I had to call and request modification documents again so we could try to modify the loan. This process took over two months. we had tried making payments online to keep from falling further behind and they would not allow it. at that time we were two payments behind and it was demanding the whole amount. They would not let me make just one payment online. when I would call in to make just one payment the first representative told me I could not. So we fell another month behind and then the next month when I was ready to pay again I finally got a representative who actually let me make just one payment. By the time we finally got the correct modification documents we had already proceeded to file bankruptcy. We filed chapter XXXX bk on XX/XX/XXXX. According to our bankruptcy we needed to pay our XXXX payment. I have been trying to call Amerihome mortgage since XX/XX/XXXX and have been kept on hold for up to an hour and 40 minutes without any response. I have tried every day to pay online and it says unfortunately this option is not available please call customer service yet my monthly statement tells me I can pay online even while we are in bankruptcy. The monthly statement shows we are owing for XX/XX/XXXX post bk and what are pre-petition and a post-petition payments are ... I have tried messaging and asking them if we can just set up one payment and I get a poor response back telling me to call customer service. Yet due to covid-19 can not get ahold of anybody. Today when I tried to call it just says we apologize for the inconvenience but all lines are busy please call back at a later time. All I want to do now is make a payment and there are no options for me unless I talk to a representative. I should be able to pay when and how much I want online.
Consumer complaint received 2020-05-13
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: CAVALRY INVESTMENTS, LLC (TN)

Two accounts on my credit reports were dismissed in court but the credit reporting agencies refuse to remove them and one account, XXXX XXXX, uses several different collection agencies in an attempt to collect. The other account is Calvary.
Consumer complaint received 2020-05-13
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. (IL)

Proof that if my balances decrease or if I do not have an account on my record Trans Union works against the customers and show incorrect information. That is fraud and illegally playing with our integrity credit finances ss numbers. I feel violated of my rights with this company especially since it cost me a job in the past. I do not care how they calculate and what government owns what! They need to remove this asap and I mean asap! Or I will sue them. Oh they are in cahoots with the judges in Illinois good we have another place of residence and can sue them there -
Consumer complaint received 2020-05-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CUSTOMERS BANCORP, INC (NY)

I applied for, and was approved for a PPP loan. I have signed the promissory note. I have not received the disbursed funds, which as far as I understand, constitutes bank fraud. 

The bank in question ( Customers Bank ) offers no way to contact them, other than a webform, which I submitted a week ago and I have not gotten a response. Their phone systems only allow a voicemail to be completed.
Consumer complaint received 2020-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

The house was transferred to me and is in my name after the death of my husband. The mortgage company is refusing to give me any information about the home because the loan is not in my name. The house is in my name because I had it legally transferred in my name after his death. I have continued to make payments but I don't have any information about the loan on the home or the insurance because they are refusing to talk with me
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2020-05-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (AE)

i was viewing my credit report for the first time during the month of XXXX. I saw that the collection company Credence Resource Manage was reported as debt from them for the amount of {$730.00}. Then i proceeded disputed the debt on the account. After XXXX  did an investigation on the the said debt the result was '' Account information disputed by consumer, meets FCRA requirements '' for which i don't know what that means because i have not received any previous notice concerning this debt nor have i been contact at all.
Consumer complaint received 2020-05-12
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

My Online banking was hacked and someone stole {$1900.00}. It has been 5 months and the bank is refusing to give me back my money. A couple months ago I was on vacation in XXXX and my online banking was hacked. My vacation date was XX/XX/XXXX - XX/XX/2020. During this period of time my American cell number was inactive because I was using a XXXX sim card. On Tuesday XX/XX/XXXX while I was in XXXX, I recognized two unauthorized transactions in my savings account ; {$600.00} and {$500.00} was transferred to an account under the name of XXXX on XX/XX/XXXX and XX/XX/XXXX without my authorization. I tried contacting Bank of America about these transactions but it was difficult considering my american number was inactive. On XX/XX/XXXX the morning after I got back from XXXX, I went to contact my bank about these unauthorized charges and that is when I saw a third unauthorized transaction of {$800.00} that happened on XX/XX/2020. I filed my complaint with the bank and they denied my claim saying that an authorization code was sent to my cell number for these transactions, but I know that did not happen because I did not even have in my American sim card in my phone. I refiled the claim explaining to them that I had nothing to do with these unauthorized transactions and they have been sending me in circles ever since then. They won't reach out to me if they need additional information from me unless I call for an update and then they say " well we need more information ''. They ask for paperwork and I fax it to them multiple times with confirmation on my end saying that they have received the faxed files and then when I call they would say they have not received the files. they asked for a detailed phone billing showing my cell line activities for the month, I paid for the detailed phone bill faxed it to them then after a couple weeks thinking that my case is making progress I call for an update and they they tell me they need a letter from the phone company and not a detailed phone bill. I requested to speak to the investigator on the case, they said they would put in the request and it has been two weeks and I still have not received a call from the investigator. This has been a really frustrating experience because I am currently a college student and the money that was stolen was basically all of my savings. Bank of America has not once shown sympathy for my experience or even apologize for the inconvenience they have caused.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am trying to access my free credit report. I have not been able to get access for several years and I am concerned about what may be occurring. I need help with this matter.
Consumer complaint received 2020-05-12
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: Experian Information Solutions Inc. (IL)

I had a car loan with XXXX and the car was repossessed in XXXX of 2015. I have requested several times to the company to have the original loan information along with all supporting documentation as far as what the car sold for and other information for my use to verify and resolve the debt but the company has not responded to any requests for the information. The information also keeps updating on my credit report to show that every month the payment was missed and is late which is negatively impacting my credit score. The company or credit bureaus have not responded to my requests to prove how the account was verified or sending the original documentation that I requested. I have been trying to get this matter resolved but XXXX is not supplying the information to me irregardless of me mailing them several requests and it is unfair that they are able to update my credit report with late payments but not send me the information that I am requesting.
Consumer complaint received 2020-05-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NC)

In reference to Selene Finance .... 

I have contacted Selene with the problem at hand. First of all. 

I received 3 different letters from them regarding my escrow acct. They say that we have a shortage. The first letter dated XX/XX/XXXX saying we owe {$530.00}. Then I received the second letter dated XX/XX/XXXX saying we owe {$440.00}. Of course these 2 letters say that they have automatically divided the shortage by 12 and included in my monthly payments. This has increased my payment to {$60.00} more a month. I then received another letter dated XX/XX/XXXX saying we owe {$280.00} and that it had to be in by XX/XX/XXXX. So I wrote the check and mailed it on XX/XX/XXXX. It was received by them and cashed on XX/XX/XXXX. 

I called them in the beginning of XXXX to pay my monthly payment, I was told that they would not accept my payment because it was not the full amount, the escrow was added on. I explained to her that I already paid the shortage, she read all three letters that was sent to me, and that she still insists that I did not pay the correct amount. So for the next 3 weeks I have been trying to pay and kept getting the run around. She states that she was going to transfer me to her supervisor. I left a message and have not heard back from them since. I have called at least 6 times with no solution at all. I wanted the number to the escrow dept and was told that they do not have a number.?? What kind of XXXX is that? Big company that has no phone??? Seriously. I am not a happy person right now. They better not try to report my acct to the credit bureau 's either, because none of this is my fault. I was reading the reviews for this company and I agree with a fair amount of complaints on the XXXX site that this company needs to be investigated. 

I have been diagnosed with XXXX XXXX, and do not have the energy to fight with this company. We are living on one income and they have not in anyway tried to help us at all. They say that we have to wait 2 years until we can apply for a loan modification and there is nothing that they can do to help us. But, SOMETHING HAS TO BE DONE. It is not only my mortgage, but alot of other people are being greatly affected by them. 

PS. We did not chose Selene to be our mortgage company, we were with XXXX who then sold our acct to them. Before that we were with XXXX, XXXX and XXXX who embezzled our escrow money along with alot of other customers, and were investigated by the FBI. And we never got our money back from it.
Consumer complaint received 2020-05-13
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. (CA)

Since XX/XX/2005 this a XXXX educational loan account has appeared on my credit report due a fraudulent signature executed by my ex-spouse in attempt to implicate me in her student loan debt. I have disputed this account several times and have since been held XXXX by both XXXX and Experian for student loan debt that is NOT connected to me and is detrimental to my credit score. The ex-spouse has since legally accepted all responsibility for this debt through the Office of the XXXX XXXX XXXX XXXX ( California ) and is making all withstanding payments as per the legal agreement. This is a disgusting violation of my personal finance position and as you are acutely aware, I have no recourse to move on. Both the creditor and credit reporting agency refuse to do the right thing and remove my name from this debt despite me providing the all documentation associated with this claim.
Consumer complaint received 2020-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (CA)

Victim of ID theft, I am being contacted about a debt in the amount of XXXX dollars By Conserve/XXXX XXXX. I have no business with this compnay.
Consumer complaint received 2020-05-12
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$510.00} XXXX/XXXX   XXXX {$720.00} XXXX  XXXX {$240.00} DPT ED/XXXX XXXX {$4200.00}
Consumer complaint received 2020-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Recovery Solutions LLC (MT)

ARS has been harassing me for months. Prior to the harassing phone calls they never mailed me any information regarding any alleged debt that they are trying to collect. I am confident that by them not sending me an initial letter communication for me to dispute any alleged debt that the debt they are trying to collect is not valid. In my letter to XXXX, I requested ARS to send me any documentation ( validation ) that they have that I owe a debt, documentation that the alleged debt is to ARS, & a copy of a contract I have with ARS signed by me that I have an alleged debt for any unpaid services that they provided for me. As of todays date ARS never complied with my request. I first received a phone call from ARS on XX/XX/XXXX at XXXX XXXX  and another phone call from ARS on XX/XX/XXXX at XXXX XXXX. ARS masked their phone number by using the number XXXX. On or about XX/XX/XXXX I sent ARS a letter advising them & demanding them to cease and desist from any attempt of future contact with me. Unfortunately, I continued to get phone calls from ARS ON XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, & XX/XX/XXXX at XXXX XXXX. again masking their # by using XXXX. The Fair Debt Collection Practices Act, or FDCPA, was passed in XXXX to protect consumers from being harassed by debt collectors. ARS is knowingly and willingly violating my rights granted to me by the FDCPA. ARS has called me at inconvenient times, such as before XXXX XXXX and after XXXX XXXX in my time zone, ignoring me when i asked them to cease & desist after they didn't provide me with my requested information ( mentioned in the 1st paragraph ). Furthermore, ARS is knowingly & willingly violating my rights granted to me by the " Truthin Caller ID act ''. FCC rules prohibit anyone from transmitting misleading or inaccurate caller ID information with the intent to defraud or obtain anything of value. ARS has and continues to display false representation & communication tactics. Based on ARS website they are located is located at XXXX XXXX XXXX # XXXX, XXXX, NY XXXX. The reason they mask their phone number and show a XXXX area code is because XXXX is the XXXX area code and my cell number is XXXX to try and deceive me in answering the phone. ARS is not located in XXXX! A DEBT COLLECTOR CANT USE ANY FALSE REPRESENTATION OR DECEPTIVE MEANS TO COMMUNICATE WITH SOMEONE IN ATTEMPT TO COLLECT AN ALLEGED DEBT AND OBTAIN ANY INFORMATION FROM AN IDIVIDUAL OR ABOUT AN INDIVIDUAL
Consumer complaint received 2020-05-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation (VA)

My hours were cut at work due to covid-19. I sent a letter with a payment saying not to contact me that I would make a payment every other week because of my situation. They cashed my check but still called me. I got a call from them so I picked up the phone and asked the lady while she was calling me when I sent a letter saying not to contact me. Her response was because you still owe money. I informed her not to contact me that is was breaking FDCPA rules. When I sent in my next payment I sent in another letter telling them to stop contacting me. But again the continue to call me.
Consumer complaint received 2023-11-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arbor Professional Solutions, Inc. (MI)

Original creditor is XXXX XXXX XXXX XXXXXXXX, Michigan. 
Date of service XX/XX/XXXX  for ambulance service in the amount of XXXX XXXX XXXX XXXX dollars. They claim to have billed XXXX, medicaid, and XXXX XXXX XXXX. The only active policy during this time was XXXX and it has been confirmed that they never received a claim. XXXX XXXX XXXX had already expired and medicaid had not started yet This claim was never billed. 
2 months prior in XXXX, the same service was provided by the same creditor and they billed correctly. They billed the correct insurance, and they got paid ( that was on XX/XX/XXXX  ). All information was available to them however it appears they did not file the claim.
Consumer complaint received 2022-04-04
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. (NY)

It has been a battle going through this and I am writing to delete this fraudulent information in my file. The item I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the item as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (GA)

Hi. My name is XXXX XXXX. I am reaching out because I applied for a business card with American Express. They immediately denied the card. American Express hasn't updated my FICO and it isn't reflection on any bureau that I paid off the card. On my recent statement for XXXX, there is a XXXX balance. I used the card today at XXXX, but that was under XXXX and under 20 % utilization. I have also paid off all of my other cards as well. Also, they are supposed to look at my personal card history in addition to that. It also mentioned inquiries, but Amex is a cause of a few of those inquiries. I would like this application reconsidered and evaluated by a person. 

I do not have any late payments. I look forward to hearing from someone. 

Thank you.
Consumer complaint received 2020-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have contacted the loan companies to report credit history on all accounts along with payment history. The loan companies are all student loans not installment loans and have never been late. The companies initially made the corrections to the accounts but someone keeps going back and removing the corrected information them as they are correcting them within the reporting agency system.
Consumer complaint received 2020-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the second time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1100.00} US DEP ED XXXX {$7700.00}