davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

Mother passed away in XXXX. She had a house with a mortgage from XXXX. There was a will, I, her only child was to inherit the house ( and mortgage ). I began making payments. No lapse. Then, about 5 years ago the loan was sold to Bayview Loan Servicing LLC. To clarify, I do not live in the house my Uncle does. Since my moms death, all mortgage correspondence came to my home address where I now reside. After the loan was sold, I noticed my name dropped off the bill and when I called to see why I was informed that I appear nowhere and they cant give me any info on the loan. Over three years, I submitted copies of the Will, the Short Certificate of Death and the estate information. 
It doesn't take. In XXXX they sent an oddly addressed letter to my moms house ( never did that before ) demanding officially for information. I yet again submitted the documents in XXXX. Now, another letter has come to my moms house stating that the documents were insufficient and the foreclosure process will begin. 

I called today ( XX/XX/XXXX ) and after 45 minutes no one could tell me WHAT OTHER documents they required and could not answer my question. Instead I was told to write a letter in dispute that would then be reviewed by their legal dept and THEN they could let me know what more is needed. Ha. Will I have my house by then? 

Important to note : I pay extra on my mortgage every month which went to principal ... since XXXX took over, the are holding my extra money in a " suspense '' account! Of course, they can't do anything to change that because I'm not on the loan. 

This mortgage has a balance of about {$6000.00}. 

Also, discovered my mom 's deed is not in my name despite the estate set up and Will. I am on that and getting a lawyer to complete the transfer as I write this. 

I just feel like this company is really trying everything they can to get my childhood home! It's been absolutely unbelievable to deal with. Very shady practices indeed!
Consumer complaint received 2019-04-22
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: CITIZENS FINANCIAL GROUP, INC. (TX)

Citizens one auto finance sent a letter to me stating erroneous reasons for denying a loan I was attempting to co-sign for my granddaughter. My credit score is in the 800 level yet they claim I was denied the loan due to delinquent credit history, limited or no credit file and collection, charge off, judgment, foreclosure or repossession. Absolutely none of these apply to my credit file. They go on to cite time since most recent opening is too short, proportion to loan balances to loan amount is too high, too many accounts with balances and length of time accounts have been established. I could not care less that they did not approve the co-signing of the loan however I do not feel they should be not be allowed to cite reasons that do not apply to my credit file. I would not have an 800+ credit score if any of these were accurate.
Consumer complaint received 2021-06-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2019-04-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Collections-I, LLC (AZ)

A medical debt I owed to XXXX XXXX for {$560.00} was put on a monthly payment arrangement directly with XXXX XXXX* for $ XXXX/month. I paid the debt off in full, early, with the final payment being In XX/XX/XXXX. Payments were as follows : XX/XX/XXXX : {$57.00} XX/XX/XXXX : {$57.00} XX/XX/XXXX : {$57.00} XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$95.00} XX/XX/XXXX : {$200.00} Total payments : {$560.00} Receipts for all payments have been attached to this complaint. 

No notice of placement with a collection agency had ever been received by me - not by phone, mail, nor email. The only bills I received were directly from XXXX   XXXX. This is confirmed and evidenced by XXXX XXXX setting up the payment arrangement *with me directly* for $ XXXX/month ( see attached evidence ), the debt being paid directly to XXXX  XXXX per their monthly payment arrangement instructions ( see attached payment receipts ). The payment arrangement I made with them had never been late nor past due, and the debt was paid off in full two months prior to the false reporting by Healthcare Collection Inc. 

As of XX/XX/XXXX the debt had been paid in full. On XX/XX/XXXX a new collection appeared on my credit reports with all three credit reporting agencies from 'Healthcare Collection Inc ' and showed ' {$57.00} past due as of XX/XX/XXXX '. There is no past due amount and there never was a late payment. 

After this item appeared on my credit reports, I lodged a dispute with all of the credit reporting agencies ; XXXX has responded stating 'The information you disputed has been verified as accurate. ' confirming that Healthcare Collection Inc is violating the Fair Credit Reporting Act as the information they are reporting is indeed inaccurate and false.
Consumer complaint received 2019-04-21
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. (MO)

I have sent TRANSUNION multiple letters of verification of employers. I've informed TRANSUNION that these employers are not associated with me. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.
Consumer complaint received 2019-04-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (OH)

XXXXXXXX hospital make a mistake by giving me a XXXX shot for XXXX without getting it approved first. This shot alone cost around XXXX since the hospital made this mistake they agreed to dismiss the charges and I was not suppose to even get a bill. I have talked with them many times and they have apologies to me for this. However somehow by miss communication this bill went to collections. to Capio partners which in turned showed up on my credit report and lowered my credit score 35 points. I have been talking to a XXXXXXXX hospital representative about this matter and he has assured me that this will be taking care of and this would come off my credit report. I have also mailed a letter to the collection agency and gave them his phone number in an effort to get this removed from my credit report.. I have disputed this on XXXX with no results. You can contact XXXX XXXX a rep with the hospital and he can verify all of this. Phone : XXXX XXXX, Fax : XXXX XXXX XXXX.
Consumer complaint received 2019-04-21
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: SYNCHRONY FINANCIAL (MO)

I have sent SYNCB/CARE CR and XXXX both multiple letters of verification. I've requested both SYNCB/CARE CR and XXXX to verify this account. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to  report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.
Consumer complaint received 2019-04-21
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: EQUIFAX, INC. (MO)

I have sent EQUIFAX multiple letters of verification. I've requested EQUIFAX to verify this account. The account name is unknown and the account number is XXXX Since it is against federal law ( Fair Credit Reporting Act -- 15 USC ? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.
Consumer complaint received 2019-04-21
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: CITIBANK, N.A. (MO)

I have sent CITI and XXXX both multiple letters of verification. I've requested both CITI and XXXX  to verify this account. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.
Consumer complaint received 2019-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CO)

XX/XX/2018 We were sent a statement on our credit account on a card issued by Chase bank. It was a XXXX XXXX card. We had not used the card in over a year and had received no statements in about 12 months. The statement received showed a balance of {$96.00} for an annual fee. Not having used the card we saw no sense in keeping it. I called Chase bank and asked them to close the account and cancel the cards, which I was told they would do. About a week later I received an acknowledgement that the account had been closed and there was still a {$96.00} balance. I wondered why I would be charged for and annual fee if I had not asked to renew in the first place. Plus I was receiving no service from Chase for that year though if they wanted a reasonable amount about for 2 or 3 weeks service, I would consider that. I day or 2 after that cancellation I received a statement showing a {$15.00} late fee on top of the {$96.00} fee that I thought in all fairness would be pro-rated. I called and spoke to someone in the credit department and asked that these fees and a reduction be considered. I received a letter from a " senior service specialist "  saying that the {$25.00} annual fee was assessed in XXXX of 2018 ( news to us as we received no correspondence ) and was considered valid. The annual fee was {$96.00} and the late fee was {$15.00} so I had no idea what {$25.00} annual fee that they they were talking about ... I had confirmed that Chase had no intention of acting in good faith so I sent them a letter denying their " fees '' as invalid.. I told them that they should pay me that fee for the time and trouble that I had taken in attempting to deal fairly with this issue. I then told them that as we had not received any goods or services from them for the time that they wanted to charge us for, that we should just call it even and I would not respond to any further claims for payments that they had in no way a right to .. I get a statement every month showing more added late fees which also went to XXXX XXXX, who has been more than accomodating to Chase by zinging our credit scores each month. I will not tolerate Chase just charging me for something that I did not ask for or receive in full.. The {$25.00} " annual fee '' mentioned by the senior service representative at Chase would have been fine with me just to get rid of them, but they wanted {$96.00} plus lates fees and it goes on and on. I have related these events as best as my recollection and paper records can substantiate. A review of any of our credit reports clearly show that we are NEVER late on any payments, NEVER have been. It's only when we are grossly mistreated and cheated that we must defend ourselves and just say " no '' to their claims ... Thanks for your patience and understanding..XXXX  & XXXX XXXX
Consumer complaint received 2019-04-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

I currently am repaying my student loans via Naviant and have noticed several issues with the loan process and repayment. I graduated from XXXX XXXX University Online in XXXX of XXXX and began repayment with Sallie Mae originally. During some financial hardship and moving to another state, I contacted Sallie Mae and requested help on what I could do until I was able to pay again. Sallie Mae insisted a forbearance was my BEST option and I agreed to enter forbearance without the knowledge that I would still accrue interest while the forbearance was in place. In XXXX, while still in Forbearance, I received a letter from Naviant that they would be taking over my student loan. In XX/XX/XXXX, my husband and I entered into Chapter XXXX bankruptcy and the loan was placed back into forbearance for the duration of the bankruptcy. In XXXX, we completed the Chapter XXXX process and the loans came back into the mail and I began the repayment. On XX/XX/XXXX I received an additional bill in the mail from Navient stating that my forbearance had been approved, but payments would resume on XX/XX/XXXX. This caught my attention because # 1 I was already paying on my loan ( so I thought ) and 2 since the bankruptcy had ended, I had not requested any additional forbearance options. I then proceeded to log into my Navient account online to try and find answers. I was shocked to find the had broke my student loan into 5 separate loans all accruing an individual amount of interest. I was shocked to learn that forbearance was still adding interest payments as that was not disclosed. I was simply informed that the loan would be placed on hold for " X '' amount of time. At the time of learning all of this ; to me, new information ; I felt it was time to reach out for help after reading about the lawsuit in place against Naviant for similar practices. Currently, I am a stay at home mom while my husband is the only source of income for our family of XXXX. I plan to contact Naviant again on Monday XX/XX/XXXX to discuss putting some of these loans back on hold until I can pay them all.
Consumer complaint received 2019-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (GA)

I am a victim of Identity Theft and have supplied the credit bureaus with the proper reports as well and placed locks and fraud alerts on my credit reports. I have never done business with security services or the company that they are attempting to collect on behalf of. I was notified of this account on XX/XX/19. They have failed to acknowledge my concern and notify the credit bureau that this needs to be removed. My rights under FCRA are being violated. I already am dealing with the identity theft in itself and on top of it, I know have this fraudulent company tainting my image.
Consumer complaint received 2019-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

I have noticed that addresses that are not associated with me are reporting on my Experian credit report. XXXX XXXX and XXXX XXXX. As you probably know, XXXX XXXX Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested EXPERIAN to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

I spoke with a representative from Commenity bank on XX/XX/XXXX, the nearest business day they were opened after unable to reach them on Sunday XX/XX/XXXX. I expressed I wanted to pay my full balance and close my account. The representative gave met full balance ( XXXX ) which consisted of a charge of {$44.00} and I believe a late fee of {$40.00}. After paying I asked if my account was fully paid which I was assured was and asked to close the account. I have been charged a least 4 payments since then and being charged on a XXXX balance.
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

When I signed up for the XXXX credit card I was under the impression that when the initial annual interest rate period was up, the interest rate would be raised. Instead the interest rate was added up for each month and the XXXX worth of monthly payments for 1 year was taken out of my credit card and now I am back to the amount it was when I first got the card. It was misleading as I thought the apr rate was simply changing and it would not be added up like interest on the card through the year.
Consumer complaint received 2019-04-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PMAB,LLC (SC)

I have found a collection account on my credit report in XX/XX/XXXX. ( I pay everything on time. ) I have disputed the charges with all XXXX credit bureaus. XXXX and XXXX took it off after investigations but XXXX did not.

This moth ( XX/XX/XXXX ), I have received a letter from PMAB LLC collection agency the first time, likely due to my dispute at the XXXX, but the phone number or address of the medical service provider was missing. I did not recognize the name of the doctor 's office neither any services or charges.

I immediately called the collection agency and asked for the phone number or address of this medical office. The collection agency agreed to provide it the next day but they have never called. I looked online by the name of practice and the last name of the doctor on I could find as an identifier and found this group of doctors was located in a town I have never been ( three hours away in the neighboring state and multiple visits ), I have never seen this doctor, never received medicare nor have I ever received home service.

I have health insurance through work ( same for last 8 years ) I have the same phone number for 20 years and my address could have been easily found on the web yet I was never notified about these charges. My address shown by the doctors were also old from years before they claim the service was provided. Drs always verify insurance and address.

There must be a way for the collection agency to bear the responsibility to investigate upon request and the drs office to reach the accused before making false claims. XXXX   said the collection agency bought this debt so I should not go back to the doctors. I wonder if the drs office knows about this at all and the money channels somewhere else in cases like this.
Consumer complaint received 2022-12-15
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. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.