davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

On XX/XX/2019, I received my XXXX mortgage statement. It alleged that I owed for 3 months ( {$2800.00} ), and that due to an incomplete payment, my last payment at the time of this mailing, was in a suspense account. 
This dollar amount was {$960.00}, but as my normal mortgage payment has NOT changed, and my normal payment as of XX/XX/2019 is {$960.00}, this is incorrect. 

On XX/XX/2019, I was able to get through to customer service and a representative for the company said that he saw where the error was. He said that " Corporate Advance Fees '' had been added to my mortgage payment, and that the computer read this as my payment being incomplete. He said it was a computer glitch, and that Bayview would send a corrected statement on Tuesday XX/XX/XXXX, to show that I only owed for XXXX and XXXX. I asked if he could take my XXXX payment over the phone, and he said that he could and then the XXXX statement would be resent to reflect that I only owed for XX/XX/2019 and going forward. 
I waited a week to file this complaint, as I fully expected to have the corrected statement in my hands no later than XX/XX/2019. On Friday, XX/XX/XXXX, I called Bayview again to ask about the status of my concerns and I was told by this representative ( not the same as before ) that she could see in the notes that there appeared to be an error in my payments, that she could see that I'd paid more than my required payment for XXXX, that she could see that I'd made my XXXX payment, but that she didn't know why a new statement had not been sent out. 
This is very concerning to me as VA is a non judicial foreclosure state, and when a payment is held in a suspense account it appears as though the home owner is behind on payments. I have been in my home 29 years and 7  months, and I have NEVER failed to make a full mortgage payment within the month that it is due. 

I make my payments over the phone toward the end of each month because when I was mailing in my payments, Bayview would delay processing my payments for as long as two weeks. Since I am in an active Chapter XXXX Bankruptcy, no late charges are allowed to be added to my mortgage payment if it is late, but I understand that once my bankruptcy is discharged, my payment will need to be processed no later than the XXXX of each month to avoid late fees. 
I am paid twice monthly, and by paying the mortgage toward the end of each month I'm able to fulfil my other financial obligations that must be paid prior to the XXXX of each month.
Consumer complaint received 2022-10-09
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: Experian Information Solutions Inc. (LA)

My name is 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.
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: REGIONS FINANCIAL CORPORATION (IA)

I had a disagreement with Bank Manager regarding, transactions and overdraft fees that were charged to me incorrectly. I had available funds and bank switch order of processing charging me unreasonable amount of overdraft fees that I was not responsible for. Also was a unauthorized transactions that I did dispute so I shouldn't have been charged by bank. The branch Manager in XXXX, IA refused to return my money back and I then later got a call from customer service, I did miss the call. I then later realized that my funds were returned. Then I receive a letter in the mail stating the branch Manager was closing my account, without reason. I believe she did this out of retaliation, which goes against the Banking law.
Consumer complaint received 2022-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ascendium Education Group (SC)

I entered into a rehabilitation agreement with Ascendium/XXXX  ( made payments to XXXX XXXX XXXX- see below from their website ) in XXXX and paid six on-time payments. Based on the Federal Moratorium Law instituted by the US Federal Government ( " If you have a defaulted federal student loan and enter a new rehabilitation agreement during this pause period any date since XX/XX/XXXX the suspended payments that would have been made from the beginning of your agreement through XXXX XXXX, XXXX, will count '' - studentaid.gov ). I did not make my last three payments. Based on this new student loan Covid Relief law I should of received rehabilitation credit for the last three payments even though I did not actually submit these payments. 
Consequently, I was under the assumption that my rehab program was successfully completed on XX/XX/XXXX. I initially called XXXX ( collections agency and the agency that sent my all of my rehab documents ) and spoke to XXXX ( XXXX XXXX ) to check the status of my rehab program. She advised me that I indeed completed the rehab program with their company and sent the information to Ascendium/XXXX. She also advised me to ask a representative at Ascendium/XXXX  about my post-claim status. I called Ascendium/XXXX  on XX/XX/XXXX and spoke to XXXX. She advised me ( after getting guidance from her supervisor ) that I would have to pay the last three remaining rehab payments to XXXX or I would have to " wait in the back of the line '' behind all of those who made the nine required rehab payments per Federal law. I explained to her about the Federal rehab payment moratorium and that I should have received credit for the last three remaining payments based on this law. She said she could only tell me what her supervisor stated I must do to finally have my loans rehabilitated. I was highly upset because I am finally trying to pay my loans back. 
This is not possible if they do not allow me to rehab my loans, successfully. I feel XXXX is ignoring the law and treating my rehab program/others with an unfair and prejudice lens. I would like to know the status of my rehab program and when I will be expected to continue making future payments on my loans. 

XXXX Approved {$8.00} View receipt XX/XX/XXXX XXXX Approved {$8.00} View receipt XX/XX/XXXX XXXX Approved {$8.00} View receipt XX/XX/XXXX XXXX Approved {$8.00} View receipt XX/XX/XXXX XXXX Approved {$8.00} View receipt XX/XX/XXXX XXXX Approved {$8.00} View receipt XX/XX/XXXX
Consumer complaint received 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

in XXXX of 2017, the dean of the school called me into to the office to do exiting paper work. she told me that i would have the lowest plan. She also told me interest would not be high. They have brought mey credit score down XXXX points over misinformation I was gived i calle student loan services, I am in deferment, but they have yet to move incorrect pass due dates.
Consumer complaint received 2020-08-18
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: Experian Information Solutions Inc. (FL)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2021-06-09
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: Experian Information Solutions Inc. (MN)

Hello, i have been dealing with credit Issues for the past Month, i have called all 3 credit Bureaus, call creditors, file a police report, put a fraud alert on my credit profile and still inaccurate and accounts and inquires are continue have been added to my credit profile. XXXX, EXPERIAN XXXX, have receive police reports, everything that was require i have sent. i have read the law and very familiar with the rights i have, before i proceed with WITH LITAGTION and SEEKING RELIEF AND MONTETARY DAMAGS UNDER FCRA SECTION 616 AND SECTION 617 i want to file a complaint with you CFPB ... 


EXPERIAN THESE INQUIRIES WAS NOT AUTHORIZE BY ME ... 
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, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ..
Consumer complaint received 2020-08-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (ND)

In XXXX - I was new to the USA with no credit history. Santander Consumer USA offered me a loan at an APR of 27 % for a {$14000.00} XXXX XXXX. I was paying on the car, never missed a payment. In XXXX I had to move out of the country full time due to a family emergency which had me living overseas for 3 years. I voluntary surrendered the car in XXXX and the car was sold for {$8000.00}. I also up until then had paid almost {$5000.00} which was primarily in interest fees with a 27 % APR. In total they had made over {$13000.00} on a XXXX XXXX XXXX. 

I am currently back in the USA and am looking into purchasing a new car and was denied due to Santander Consumer USA 's charge off on my credit report. I then read that they are in a XXXX dollar settlement and are required to remove and forgive all debts from consumer 's credit reports. I sent a letter to have the debt validated and they did not validate the debt, I sent a letter trying to settle the account and did not receive a response and yet they still continue to report a balance to the credit bureaus on an account that has been charged off since XXXX. I resided in a state that is included in the settlement and have yet to receive any documentation regarding the removal of the account from my credit report. 

I have called Santander executive offices and have just been passed around, I have sent letters to the credit bureaus requesting to have the debt validated and to no avail. 

This is my last resort in getting Santander Consumer USA to make a move. I live in a state with extremely harsh winters and I do not have a reliable car. I do not have the luxury of waiting on Santander to make a move. Santander has literally financially scarred me and I am just now realizing how inhumane a 27 % interest rate is. 
I have offered to settle this alleged debt and they neither denied or accepted the offer. Not even a response validating this debt. 

I would like this removed from my credit report on the sole basis of what was agreed upon in the settlement offer. I am not asking for money from the settlement, I am simply wanting this removed from my credit report and the alleged debt forgiven due to their unfair credit practices. 

You have made money on this XXXX car. Why do you insist on keep punishing me?? Why do you insist on practicing unfair business practices despite having a lawsuit against you? The market is saturated why do you insist on collecting on a charged off account?
Consumer complaint received 2022-08-20
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-04-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (TN)

My ex-spouse took my son to the doctor and there was a bill outstanding for {$180.00} and another for {$25.00}. This happened in Colorado XX/XX/XXXX and XX/XX/XXXX. This week I see a negative mark reporting on my credit report so I contacted Professional Finance Company and explained to the gal that I was not in Colorado during those times and therefore could not be responsible for the dept. I also explained that I didnt even know there was an outstanding debt or I could have paid it before it went to collections. The hospital had my ex spouses address but for some reason my name and social security number. The gal on the phone told me that once it went to collections it became both mine and my ex spouse responsibility according to Colorado Law. Which I understand but I was never given the change to pay the bill prior to it going to collections and if I was given that chance this would be a moot point. The gal at the collection company did have my correct address but never, ever have they sent me a notice of this debt and in fact she said they had been sending it to some address in XXXX Colorado. So there was never an attempt to contact me via mail and therefore I feel that this action should be removed from credit report.
Consumer complaint received 2020-08-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paypal Holdings, Inc (NY)

Hello I have received a notification of a debt owed to Pay pall by a Debt collection Agency, for debts from XXXX {$320.00} but I have never heard from Pay Pall about this before. This is very odd that they took six years to initiate this action. According to XXXX, the last payment l made to Pay Pall was in XX/XX/XXXX ; the charge is from XX/XX/XXXX, and I closed the account sometime in XXXX. I asked for a summary of the debts but what I got does not tell me anything. I have tried to contact Pay Pall directly but they are not accepting calls at this moment. The Debt Collector is XXXX XXXX XXXX XXXX. Account Number XXXX, Reference Number XXXX. 
What I need is to verify that I really owe this debt, since, as far as my knowledge goes, I keep my bills in good stand, and this is really inexplicable that Pay Pall would take this long to initiate this action without having ever contacted me. I need to know that this debt is legit.
Consumer complaint received 2019-02-10
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. (FL)

I have disputed both accounts XXXX XXXX XXXX # XXXX and XXXX/XXXX # XXXX with the credit bureau several times,  the last time was in XX/XX/2018/XX/XX/2018. Each time the credit bureau investigation concluded that the accounts has been updated/verified. I mailed both XXXX and XXXX/XXXX certified letters. I never received a response from XXXX, XXXX/XXXX response stated that they sold the account to XXXX XXXX XXXX, XXXX and if I have any questions to contact them. XXXX XXXX XXXX, XXXX tried to sue me and XXXX XXXX XXXX, XXXX voluntary dismissed the case. Maybe I am misunderstanding but if the creditors could not provide me with proof of the debt, how can the credit bureaus state that the accounts have been updated/verified.
Consumer complaint received 2022-06-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (PA)

I am XXXX XXXX submitting this complaint against CREDIT COLLECTION SERVICE and their is no third party involved. 

This company has violated my rights under the Privacy Act of XXXX. I HAVE A RIGHT TO PRIVACY, according to 5 U.S.C. 552a.
Consumer complaint received 2020-08-18
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. (IL)

Experian and XXXX are fraudulent on my credit accounts XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX U S DEPT OF EDXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXXXXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   is fraudulent on my credit Account # XXXX XXXXXXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2019-02-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

As XX/XX/XXXX mortage company sent me overage payment from escrow which was about {$4000.00}. I called to ask why and got the run around. After that the payment went up. As of XXXX XXXX i was sent another check of overage about {$150.00}. Did not try to contact mortage company because of the first attempt to at calling.After recieving check the house payment went up for the second time. As of XXXX XXXX I was still sent another overage of {$150.00} and payment will go up in XXXX about from {$1700.00} to {$1700.00}! Last check that was sent i am sending back to escrow to be applied to escrow. As of XXXX. Keep in mind this is a F.H.A. fixed rate loan! I have never had a loan go up like this for a fixed rate loan. convental or f.h.a. loan. Keep in mind the starting loan amount was {$1600.00} and has repeatly went up since the loan was inatiated. There should be no reason or explaination for the loan amount to go up!!! If they can not maintain this loan i will be forced to go into foreclosier because i am on XXXX right now.
Consumer complaint received 2020-08-18
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 called XXXX  XXXX  to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report. DEPTEDXXXX XXXX {$10000.00} DEPTEDXXXX XXXX {$3200.00} DEPTEDXXXX {$1700.00} XXXX   XXXX {$4500.00} XXXX XXXX {$4500.00} XXXX {$4000.00} XXXX   XXXX {$4500.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$8300.00} XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX {$240000.00} XXXX   XXXX {$3500.00} XXXX XXXX {$27000.00}
Consumer complaint received 2020-06-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (MI)

A couple of years ago, a debt collection showed up on my credit report. All I know is that it is for XXXX XXXX in am amount of {$860.00}. I know that I have never run up a bill of that size with a utility Company. My belief is that I was a renter, moved and somehow the service was ever taken out of my name after I left the property and someone else continued service in my name. 
I have asked repeatedly, XXXX XXXX XXXX, the debt collector, to get me proof of the dates that this debt was run up during and also the address that it was at. I would be able to verify whether or not I was living at the address at all or will be able to verify what dates i lived there. Over a period of 2 years, no one is responding with ANY type of verification that this debt was incurred while I actually lived somewhere. 
XXXX can not help me as I don't know what address and dates this b ill is supposedly for. I want this off of my credit reports. 
Thank you
Consumer complaint received 2022-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

Loan was transferred to MOHELA and payments did not continue for 7 months. They only started again when we called. This contradicts the communication from XXXX XXXX which stated our payments would continue and NO ACTION WAS REQUIRED ON OUR PART! 

Just missed out on {$8000.00} worth of payments interest free! 

This feels like an intentional act. What happened to the TRUTH IN LENDING requirements? 

MOHELA stated we will have a new account number. The representative gave us the SAME ACCOUNT NUMBER. 

What has happened with this transfer of data??