davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (DC)

Bayview Loan Servicing, even while knowing that the information that they have on our mortgage account is incorrect, sent in this wrong information to the credit reporting agency, causing our credit scores to plummet at the same time that we are attempting to refinance our mortgage loan. 

Bayview has incorrect information about our property tax escrow account -- we had already appealed this information and had the corrected tax documents sent from the District of Columbia to XXXX XXXX   ( who previously held our mortgage ). Bayview bought this mortgage, ignored the corrected tax information, and then reported out accounts as delinquent. We contacted Bayview immediately upon learning that their information was incorrect, but they still went ahead and reported the account delinquent to the credit reporting agencies. 

We are attempting to refinance our mortgage, however, Bayview 's actions are causing us both direct financial harm and preventing us from leaving Bayview 's portfolio.
Consumer complaint received 2019-05-07
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: Experian Information Solutions Inc. (WA)

XXXX  is a once a year chance to obtain and review a free copy of our credit report. However, this year, the site inexplicably fails while trying to obtain each of the 3 reports. Each Credit Agency gives an error without explanation, and suggests a mail-in report instead. 

This is the first time this has ever happened to me, and discourages consumers from exerting their right to see their credit report once a year. 

Credit agencies should be required to actually provide the report online in a convenient format as intended by the website. Else they are simply pushing consumers to pay for access to their own personal credit information.
Consumer complaint received 2021-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against RECEIVABLE MGMT XXXX My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2018-10-25
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (FL)

My XXXX check is being garnished at over {$120.00} a month. GC Services contacted me numerous times, illegally, after I informed them to do not call me. In XX/XX/2018, I contacted GC Services to see what I could do to stop the garnishment. I was informed that if I made voluntary payments ( 9 ) then it would bring my loans out of default status. I agreed and set up an auto  payment for {$5.00} monthly from XXXX until XXXX. Then after the payment in XXXX was completed someone would contact me to set up a new servicer for my loans and my loans would be out of default. Now, here it is XXXX, and I contacted them because I had not heard from anyone, as of XX/XX/2018. At that time I was informed that for some " unknown " reason the last payment they had received was XX/XX/XXXX. She told me that in order to " fix '' this situation I would need to make 2 payments to catch up. Then a payment at the end of XXXX. At this point my contractual obligation would be fulfilled. I agreed to those terms and set up the auto payments once again. One was taken on the XXXX of XXXX one was taken out on the XXXX of XXXX. Then, ONE should have been taken out 2 -3 weeks later. However, when I checked with the bank a total of 5 payments of {$5.00} was taken from my account. Not only should this have completely satisfied my agreement with GC Services, but they would have also owed me monies back. Upon seeing this I contacted GC Services, and spoke with a manager. I was informed that I still had 2 payments to be made. They said that my XXXX payment was in deferment. That the first 2 payments were applied to XXXX and XXXX payments. Now, there was still the situation with the OTHER 3 payments that was taken out of my account. That should have covered XXXX payment, and they should have to refund me the additional 2 payments that I did not agree to, and my contract was fulfilled at this time. 

However, I was told that, I am still in default, i still owe until XXXX of 2018. They can not give me a reason why my auto payments were stopped, nor can they apply the payments to my signed agreement. That the money was apparently applied to principal. 

I live on a small XXXX check monthly, and that additional money that now is just gone, means the difference of me eating for the month or not. I am being reprimanded for this companies mistake, and They did not uphold their end of the contract. Now I am the one to not only uphold my end of the contract, but also being tripled charged when I did not agree to that. 

This is blatant fraud.
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (ND)

I submitted a dispute with Experian, XXXX and XXXX concerning the dismissed bankruptcy that should be removed from my report. They have not removed it as of XX/XX/18. 

This bankruptcy was filed under the false advice of my attorney who stated that it would allow my home arrearage to be lowered and to save my house from foreclosure. As you will see from the attached letter that I sent to my trustee, my attorney failed to act appropriately and in my best interests which eventually led to my having the case dismissed and ultimately turning over my house in a deed in lieu. 

The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed.
Consumer complaint received 2019-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc. (KY)

I already disputed with another collection agency for the XXXX from XXXX XXXX and it was taken off my credit report how can another collection agency put it back on my credit report again? Diversified Consultants is the collection agency that has put it back on my report. Why can't it be taken off now?
Consumer complaint received 2019-05-06
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. (NC)

I sent an investigation request to the credit bureaus on XX/XX/XXXX. As of today, I have not received any responses. They were supposed to respond within 30 days.
Consumer complaint received 2022-05-26
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. (TX)

FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX  XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Open. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$280.00} XXXX XXXX. 
XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-12-10
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. (TN)

I have contacted XXXX XXXX XXXX some years back and spoke with a gentleman that stated he was a manager. I explained to him about being a victim of identity theft and how I notice on my report that a vehicle was on there that I do and never owned and he asked my name and address. He put me on hold and when he came back to the phone he asked if I could send my id in and I told him yes and why? He said that they will get that off there. I asked how long will it take he assured me that it will take about 90 days. Well 90 days came and went but that never came off. So I did a complaint on ftc.gov back in XXXX and received a comment back from the company legal assistant " XXXX XXXX via email, phone call and through the ftc.gov website comment section. I emailed XXXX XXXX back and stated that we could communicate via email but she never responded back. I am assuming she wanted to speak over the phone is why I never heard back from her. On the ftc website comment site the company stated clearly that they understood that the account does not belongs to me but still and yet they did not remove it. I did everything to prove to this company that this account does not belongs to me. I am a victim of identity theft. They have lied to me about removing the account from my credit report and each time I dispute it the company do an update. This company does not honor their words and are heartless. They has cost me lots of emotional distress when I have proven that this is not my account and I am a victim of identity theft. I am constantly disputing this account and the company will constantly do an update instead of removing it.
Consumer complaint received 2018-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (OH)

received numerous calls from Midwest Recovery Systems. Spoke to them today at noon on XX/XX/XXXX and they are stating that I have a debt for over {$3000.00} for XXXX XXXX from XX/XX/XXXX. We have always used XXXX XXXX ( 15+ years ) and it is under my wife 's name and not mine. They say it is affecting my credit report and I need to pay immediately. After reading other testimonials online, it became apparent that this company has been scamming people for some time by making up fake debt and reporting to credit agencies. They called me from XXXX and provided a website of XXXX and told me to update my address online. They say I made a payment of {$50.00} on XX/XX/XXXX, which I definitely did not!
Consumer complaint received 2022-08-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

Good afternoon CFBP I'm sick of Experian credit reporting agency! These Folks needs to be Taking down by the CFPB & FTC  I was going Over my credit report today I noticed a XXXX XXXX XXXX  account has serious 3 FCRA Violation account has been charged- off Experian is reporting but Not Showing who the account was sold to? VIOLATION # 1. XXXX XXXX XXXX  is no longer The owner of the account VIOLATION # 2 THE ACCOUNT IS STILL SHOWING A {$5400.00} PAST DUE BALANCE HOW THE XXXX DOES a charge OFF ACCOUNT HAVE A PAST DUE??? EXPERIAN????????????? 
VIOLATION # 3 ACCOUNT IS STILL SHOWING A BLANCE TELL ME HOW A CHARGE OFF HAVE A BLANCE AND MOST OF ALL XXXX XXXX XXXX WOULD NOT BE ABLE TO REPORT THE BLANCE IF THEY SOLD THE ACCOUNT EXPERIAN MOVE THIS FROM MY CREDIT FILE TODAY YOU LUCKY I DON'T SUE YOU
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

In late fall of XX/XX/XXXX, I received an offer in the mail saying I pre-qualified for an HSBC Cash Rewards Mastercard and that if I applied before XX/XX/XXXX, I would receive the card whose benefits included a {$150.00} Welcome Bonus for spending more than {$500.00} in the first 3 months. On XX/XX/XXXX, as per the invitation 's directions, I applied for the card by going to us.hsbc.com/cashrewards  and putting in the Invitation Number XXXX. I soon received a letter ( dated XX/XX/XXXX ) saying I was approved. However when I received the card on XX/XX/XXXX, the information accompanying it ( dated XX/XX/XXXX ) said the " {$150.00} Welcome Bonus would be rewarded after I'd spent {$2500.00} in the first 3 months NOT the promised {$500.00}!! I immediately called HSBC on XX/XX/XXXX and again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to request the error be corrected. Each time, the representative ( some of their names are XXXX, XXXX, XXXX, XXXX ) promised to call back within 24-48 hours but NEVER DID. I did spend the {$500.00}, well within 3 months. On XX/XX/XXXX, I talked with XXXX via HSBC 's Chat Support. XXXX said that I would receive the bonus after 3 months. But that never happened. In XX/XX/XXXX, when I called AGAIN, the representative said the office that handles rewards claimed I didn't use the Invitation Number. But I did. YOU CAN'T APPLY WITHOUT ONE. Literally. The website screen is a blank space for the Invitation Number. They also said I would receive a letter from " the office '' explaining this. But I never did. This " bait and switch '' promotion is unacceptable. I only applied for the card to get the {$150.00} Welcome Bonus. I NEVER would've applied for the card had I known it required I spend {$2500.00} in 3 months instead of {$500.00}. My documentation includes : PROMOTIONAL OFFER ( which indicates a Welcome Bonus for spending {$500.00} ), CARD PAPERWORK ( where they switched to having to spend {$2500.00} ), SCREENSHOT OF CHAT WITH XXXX ( where he says my bonus is coming ), SCREENSHOT OF WEBSITE ( which shows you have to use Invitation Number so they are lying when they claim I didn't!! ) Thank you ...
Consumer complaint received 2019-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (IL)

For over the past several months, I have been trying to work with my servicer CARDINAL FINANCIAL. I have been trying to get PMI removed from my loan. I am required to have an appraisal done on my property. They have been making errors in how they have been deducting the fee. I have been calling them, and to date, they still have not order the appraisal on my file. Could someone PLEASE order and appraisal to remove the PMI?
Consumer complaint received 2019-05-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Following a review of my credit report at the XXXX, XXXX and XXXX consumer reporting agencies, I determined that said reports contained a Bank of America mortgage loan - under account number XXXX - that was closed more than seven years ago. I initially disputed the account as antiquated to no result. Not only did Bank of America ignore and reject my complaint, they did not respond to my complaint at the credit reporting agencies. 

I filed separate disputes to XXXX, XXXX and XXXX. Each dispute was summarily rejected as frivolous. The negative and antiquated Bank of America account remains on my credit report.
Consumer complaint received 2019-05-07
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)

I received an alert from XXXX XXXX saying that a hard inquiry was done by XXXX on XX/XX/2019. After doing research it is : XXXX Bank via XXXX. I did not initiate or authorize any new accounts or applications with either institution. I called the number on my Experian credit report : XXXX ( XXXX ) and the agent looked up my phone number and email address and said that she isn't seeing anything. She emailed ( via XXXX app ) me information on how to dispute the hard inquiry. If there is no record of anyone trying to open a new account, then that means XXXX ran my credit without my permission. I am in the process of disputing it with both Experian and XXXX.
Consumer complaint received 2019-05-06
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. (IL)

I SUBMITTED DISPUTES TO XXXX AND EXPERIAN TWO OF THE THREE CREDIT REPORTING AGENCIES TO LET THEM KNOW THESE ACCOUNTS OF BANKRUPTCY IN MY PUBLIC RECORDS SECTION OF MY CREDIT REPORTS WERE IN ACCCURATE AND THEY SENT ME RESULTS OF THE INVESTIGATION STATING THESE ACCOUNTS WERE MINE AND THEY WERE VERIFIED AND I ALSO ASKED FOR PROOF OF THE THESE INVESTIGATIONS AND HOW THEY WERE CONDUCTED AND VERIFIED WHEN KNOW ONE FROM EITHER COMPANY WENT TO THE COURTHOUSE THAT THESE SO CALLED ACCOUNTS WERE OPENED AND OR CLOSED
Consumer complaint received 2018-10-24
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)

XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$350.00} I Dispute these accounts that dont belong to me and belong to someone else with the same name to the credit bureaus and the accounts still remain on file in was not deleted.
Consumer complaint received 2019-05-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (TX)

This debt is for a credit card from XXXX XXXX XXXX. I sent a letter to the bank in XXXX explaining I could not pay the bill due to fees every month, balance increasing due to fees I could not catch up. I hoped they would work with me. All my paper work is gone from that year. XXXX & XXXX I received a letter from LVNV Funding LLC. I wrote them explaining I did not have a job and could not pay. I never heard from LVNV again until XX/XX/XXXX. LVNV Funding stated they were suing me, {$2200.00}. They won by default. Since it was so old I have no paperwork to defend myself. XX/XX/XXXX it appeared on my credit report noting account opened in XXXX. That year is wrong. Like I said this account is from XXXX. This account is so old I have no way of retrieving information from the bank due to the bank being sold to another. 
LVNV Funding is being very deceptive. They should not be allowed to hold on to a collection for 9 years send a letter demanding money and then put it on my credit report with a notation, account opened in XXXX. LVNV continue to contact me requesting money. Now they have my email. XX/XX/XXXX I received an email from LVNV requesting money. XX/XX/XXXX I received an email from XXXX XXXX XXXX collection working on behalf of LVNV Funding LLC. XXXX is requesting {$2200.00}. XXXX is demanding a reply within 30 days to set up a payment plan. Is this going to continue until I die? 
I'm XXXX and live on SS. I have no home of my own, no car of my own, no money. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX
Consumer complaint received 2018-10-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS is in violation of CFBP rules, CA HBOR and RESPA guidelines. 

At issue is a short sale request that was submitted on XX/XX/18 and SPS refused to open the short sale request stating they need a package 60 days prior to a sale date. This is in direct violation of RESPA CFR Part 1024 ( Regulation X ) which clearly state lenders must review for any loss mitigation offers if the file is received within 37 days, excerpt below ; ( c ) Evaluation of loss mitigation applications - ( 1 ) Complete loss mitigation application. Except as provided in paragraph ( c ) ( 4 ) ( ii ) of this section, if a servicer receives a complete loss mitigation application more than 37 days before a foreclosure sale, then, within 30 days of receiving the complete loss mitigation application, a servicer shall : ( i ) Evaluate the borrower for all loss mitigation options available to the borrower ; CA HBOR requires lenders and servers to help homeowners avoid foreclosure. By illegally demanding docs 60 days prior to a sale date when CA residents don't get 60 days notice of a sale date and it's a violation of RESPA guidelines then SPS is breaking CA HBOR laws.
Consumer complaint received 2022-12-06
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: JPMORGAN CHASE & CO. (FL)

An account application was opened for a XXXX credit card that I did not authorize on XX/XX/2022, from JPMCB. I assume this to be a fraudulent use of my information.