davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (UT)

I can not seem to access Equifax in any sort of XXXX XXXX, so i can not file a complaint [ as well as their information being SO incorrect, I ca n't pass their 'verifications ' test ] I have been trying to get them to Correct the amount owed on a bill in collections, to reflect a " paid in full/closed '' balance. The debt collector reported to Equifax , a remaining balance of {$77.00}, down from over {$200.00}, but i paid the bill, in full, in XXXX. I have a receipt from the collection agency with the corrected {$0.00} balance, with no way to upload a digital copy. Equifax makes it exceedingly difficult to contact them if you can not manage to online. I Need this negative report off of my credit report as it has affected my ability to obtain other utilities since paying the debt off.
Consumer complaint received 2015-12-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MD)

I went to the XXXX institute of XXXX for schooling in XXXX virginia. I have now learned that their is a lawsuit pending by the government against XXXX and their practices. I feel that i am part of the predatory lending as after going through repayment since 2011 i have noticed my loans ballooning ( specifically from my private loans not federal ) attached is current loan " payments '' and you will notice that even when im on interest only that my interest payments are not even covering the interest that is supposedly accrued making it into a ballon payment
Consumer complaint received 2015-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AR)

Current loan servicing company will not honor my previous MHAMP agreement due to payments not being received in the required time frame by MHAMP guidelines. Payment were not able to be paid by required time frame because loan had been transferred XXXX times since XX/XX/XXXX, thus causing issues in making payments to the current servicing company by required deadlines. Will provide documentation as to issue, dates, etc. when needed. Account was first being service by XXXX XXXX and was transferred to XXXX XXXX XXXX on XXXX. I received notification from Nation Star of transfer the end of XXXX 2014. I contacted the new servicing company and they did not have my loan details yet. On XXXX I spoke with a supervisor is their department regarding the letter I received which showed all my loan information was incorrect. He advised me to wait another week and check back again. During the interim, he sent request to delete late charges as I was within my first XXXX days of transfer to a new servicing company. He also stated that I could pay my account on line when I get paid on XX/XX/XXXX. After confirming deposit for self employed funds were received and posted to my bank account I logged into their system to make a payment. I am attaching the email I received as proof that I logged in to create my account and make payment. However, my account was still incorrect and showing that I was XXXX delinquent and their system would not allow for me to make a XXXX month payment as previously directed. I contacted XXXX XXXX XXXX XXXX directly on XX/XX/XXXX and explained this issue. I made payment by telephone which cleared my bank account on XX/XX/XXXX. This issue caused me to become over XXXX days delinquent on making payments and thus made me ineligible for the deferred principle write off that was to be completed XX/XX/XXXX. I filed request with XXXX XXXX in regards to this issue and never received a resolution prior to my account being transferred yet again to another servicing company effective XX/XX/XXXX. The servicing company was Bayview Loan Servicing which is the current loan serving company. I again filed request and was denied. I filed an appeal and was since denied again due to not meeting the required payment guidelines. I am attaching proof of this final request with both of their denials stating this information.
Consumer complaint received 2016-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

Equifax response to my complaint : Initiated a reinvestigation which is they sent a letter to XXXX XXXX to respond to my complaint. XXXX XXXX ( the company that has been reporting incorrect negative information on my credit ) sent me a letter which will be uploaded saying that back in XXXX their company was formerly XXXX XXXX. Since Equifax had XXXX XXXX send me this letter they will mail me a credit report and it will say the same thing. The account has been verified as belonging to you, no additional document have been received from the consumer and they will close this complaint because XXXX XXXX has clarified that they were formerly XXXX XXXX in XXXX. I have never had an account with XXXX XXXX. I have never had any contact or dealing with XXXX XXXX. I have never applied for an account with XXXX XXXX. My complaint is that from XXXX to now, incorrect negative credit information is being reported to my credit report. I have uploaded current court documents to support this. This account does not belong to XXXX XXXX and has not since XXXX XXXX. It was disposed, court documents to support but I guess XXXX XXXX is a higher authority.
Consumer complaint received 2016-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Bank of America Home Loans Collection division is harassing me for a second mortgage that was discharged in a bankruptcy on XXXX XXXX, XXXX. The house foreclosure papers were delivered to us on approximately, XXXX XXXX, XXXX. 
I have given Bank of America this information over and over again. Once I give them the information the calls stop for a day or two but then they start again. There are times they call 3 times a day. 
Sometimes I answer the phone and immediately hang up. Sometimes I ignore it. I do not owe them any money and have exhausted everything I know to do to make them stop harassing me, short of rehiring my bankruptcy lawyer, which I can not afford at this point. 
I hope you can help. 
Sincerely, XXXX XXXX
Consumer complaint received 2015-12-14
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CA)

I received a collection letter in the amount of {$300.00} from CMRE a week after receiving a statement from my doctor 's office for the amount owed {$98.00}. This is XXXX of many instances of billing errors CMRE has pulled on me over the years. In many cases they say there has been numerous attempts to collect outstanding medical debt from me that I had never received a bill for from either the doctor or the collection agency. I pay all debt in full when requested in a timely manner always. I have never had to make payments on my debt. A collection agency should never be involved in handling my billing. I could have rushed to pay the {$300.00} bill from CMRE never considering if the amount was either correct or justified. Who knows if they would have ever saw the problem and refunded me.
Consumer complaint received 2015-12-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (FL)

I received XXXX collection letter from Convergent Outsourcing in reference to XXXX accounts I allegedly owe to XXXX. These accounts were oped fraudulently using my name and personal info. I have advise the credit bureaus and Convergent that this is not mine, Who would open to XXXX accounts on XXXX different address on the same day. Convergent refuses to help with this situation and its hurting my chances of purchasing a property, since its being reported to the credit bureaus as XXXX collections
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (NY)

I signed up for the XXXX XXXX month period with Equifax.com, and when I signed up, they charged me XXXX XXXX, XXXX charges instead of their so called deal. When I spoke with them, the fail to give me a refund for charging me XXXX. Plus, their score is so underrated that I had to consider signing up with other credit bureaus because Equifax credit score is so low is hurting my credit history. Equifax should be placed out of business.
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have XXXX accounts that are reporting incorrectly 1 Nj Federal court say loan type credit card chapter XXXX account # XXXX 2 XXXX XXXX account # XXXX this is being reported incorrectly 3 XXXX account # XXXX this is also being reported incorrectly
Consumer complaint received 2015-05-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AmerAssist A/R Solutions, Inc. (GA)

At the end of a lease from an apt . when my son was in college, balance was suppose to be paid by all tenants. I paid my sons part and XXXX other other men paid their part but XXXX of the boys did not pay his part and it is showing up on our credit because the lease was signed by all XXXX guys. The guy refused to pay the difference and it has been sitting as a bad debt on my credit even though the collection agency agrees that they show that it is owed by the XXXX party but they want me to pay his debt to clear my credit.
Consumer complaint received 2015-06-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending (FL)

I was just reading this link about the bankruptcy with XXXX Colleges. XXXX XXXX. There is a section stating that this case does not include federal loans and to contact your servicer for more information and to file a complaint if they do not provide information. I called Genesis and was told that the ruling did not include private loans, only federal loans. I am worried because Genesis sold my loan to another company and they will be handling my payments as of XXXX XXXX, 2015. Am I misunderstanding your link? I was under the impression that Genesis loans were the loans to be reduced 40 %? If they 've sold my loan does this mean they will not have to do this? I feel I was mislead by XXXX. I was only aware of my Genesis loans, not the additional {$26000.00} in federal loans and I can not afford to pay XXXX. That would total {$560.00} a month on my $ XXXX salary. What do I need to do to become part of this?
Consumer complaint received 2015-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (LA)

I started to file bankrupcy but decided not to so i never went to court and it was dismissed. I looked up each credit agency and followed the steps to dispute it several times, but never got to the submit! I have tried for a couple of months now. if the bankrupcy was dismissed it should not show that i went to it.
Consumer complaint received 2015-05-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (FL)

As a result of of my complaint to your office with a complaint case number : XXXX, Chase did not fully comply to providing me all the credit it overcharged me nor did it provide me the reason while it reported me as a charged off account with discrepancy in what it stated I owed and the " Stated Charged Off Amount ''. as I was trying to work with Chase, while paying as agreed to get to a number that we can both agreed on until there was an impasse. Chase in XXXX then provided me with a XXXX with inaccurate number as a charged off amount, knowing that I must report it as income with the IRS. 

Unknowingly, I was not the only party that Chase had been playing with its account in the State of Florida. This information was brought to Court and I was named as part of the Plaintiff in the Class action suit brought by XXXX, et al. v. Chase USA, NA, with a case number XXXX. This case was finally settled by Chase rather than risking a full trial and Chase made a payment to all class members including me. As a result of the settlement, I informed all the XXXX credit credit reporting agencies that the derogatory information reported by Chase must be immediately removed from my credit file since no agency should reward fraudulent activity no matter how small, however, Chase refused to allow the reporting agencies to remove this derogatory information, which even without the class action lawsuit would have been inaccurate. It is as a result of this pressing and damaging issue that I approach your agency for a positive resolution since Chase has settled the case in a Court of Law and should no longer be rewarded to continually damage my credit.
Consumer complaint received 2015-05-28
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My wife wrote a check out of our XXXX account for {$1500.00} on XXXX/XXXX/15 and mobile deposited into our XXXX to pay off our car. On XXXX/XXXX/15, this amount came out of our XXXX account and was credited to our XXXX acct. We shredded the check after 30 days. On XXXX/XXXX/15, Georgia 's Own charged our account back {$1500.00} saying that the money was sent from XXXX to Bank of America because they have the physical check. 

We have NO accounts with Bank of America and there is no record that Bank of America has tried to send this check to XXXX and our account has still not been credited back at XXXX since XXXX debited our account {$1500.00} on XXXX/XXXX/15 ( 1 week ago ). 

We have spoke with several people at XXXX and are told that the check cleared on XXXX/XXXX/15 and they have no info that a check was presented anywhere else. I believe that money is being embezzled or stolen because there is no other check, yet my {$1500.00} is gone. I have received copies of the cleared check from XXXX and it was deposited into XXXX and has my XXXX acct # listed on the back. 

My banks and I have spoken with Bank of America and they are refusing to release information regarding this check that was sent over to one of their account. I am getting the run around because I was first said they needed to speak with XXXX and me, then XXXX and today they need written request from both banks. Both XXXX XXXX XXXX are sending written requests. This is either a clerical error or fraud and all I want is my {$1500.00}. Bank of America should be willing to confirm whether or not they have a check so that my account can be corrected.
Consumer complaint received 2016-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

Our house went up in smoke in XXXX 2009, after a year and a half, we put the property up for sale with a signed contract with a Realtor. The balance was suppose to be paid off with the Insurance money put into a separate account. The mortgage Company XXXX refused to move it to the payoff, because the left hand knew nothing about the right hand. It put us in a negative for 3 consecutive months, after several calls to the Insurance Department and doing exactly as they asked us to do after each and every call. They found the error and corrected it, and apologized for their mistake. They also charged us {$30.00} for each and every time the Title Company called for a payoff balance. 8 months later we were notified that the original mortgagor XXXX filed for Chapter XXXX. When the new mortgagor took over XXXX XXXX XXXX, they only had the paperwork for the loan which reflected only the 90 days late and nothing else. We keep disputing it and get nowhere. This also reflects a 30 day late with our Equity line of credit XXXX. We wanted a 30 day close on the property but because of the mishap with XXXX it reflects XXXX. We want it changed on our Credit Reports is all. We are not asking for it to be removed just changed to reflect a positive, because we were on time each and every month for the 32 years we had the loan with XXXX while they were our XXXX.
Consumer complaint received 2016-04-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I had moved and have not been getting any bills, however my phone number is on file, because I 've order items prior, and subsequent to moving for in-store pickup, and I 've received text messages from the company for confirmation. I have been reaching out to Macys via phone and email to pay a store bill for months.It is obvious that they have changed how they conduct business, because it is quite difficult to speak with their representative. I have been left on hold for lengthy periods of time, had the phone hung up because they claim they can not hear me ( bad connection is on their part, because I 've called from different lines ), I 've had a " supervisor '' abandoned my call, by telling me to hold, then placing me back to their automated system.I have left messages for supervisors to call me, to date no one has given me a call.All I 'd gotten is an automated response after emailing them, informing me that someone will contact me, no one has.They have reported my name to the credit bureau, that has caused my credit score to decline.This is quite unfair, because I have been reaching out to Macy to get the bill settled before it escalated to that. I 've called numerous times, and I 'm always being given conflicting info regrading my account balance. I 've been told I owe various charges, and that I have XXXX late payment fees ; which could not be the case, because the bill is not owed for 6 months.When I ask to speak to supervisors, I 'm being transferred to regular agents who can not assist me.I need for all late fees and interest rates to be taken off my account, so that I can pay the initial balance of {$72.00}, and to have my name removed from the credit bureau.I have asked for an address to dispute these charges, and was told that they do not have any address, so I would like your assistance in how I should proceed in getting this resolved.
Consumer complaint received 2015-05-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

I requested a copy of my credit report prior to applying for credit and was told that they could not release it since there were multiple Social Security numbers showing on my report. They referred me to Experian, but all I could get was the automated response. Since my report could not be released I could not get an automated answer and they do not have customer service persons with whom I could discuss the problem. I have been rejected for credit XXXX because of this issue. Since I ca n't get a copy of my credit report, I do n't know how the wrong Social Security information got on my report. I ca n't file a fraud claim without being able to identify the incorrect information and I do n't know whether or not my file is being used for purposes of fraud and I ca n't correct anything on the report since I ca n't get a copy.
Consumer complaint received 2015-12-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

Ocwen has not followed the CFPB rules regarding setting a sale date of my home while my modification application was under review. Ocwen claims that XXXX streamline modification offers were sent to me, XXXX XXXX/XXXX/XXXX and the XXXX on XXXX/XXXX/XXXX, offers I did not received. However, I did receive a denial letter for XXXX of the streamline modification offers on XXXX/XXXX/XXXX, it took Ocwen six months to send a denial letter in response of the second modification offer, I did not received any denial for the first offer. ( Please see attachment XXXX, a letter that discusses XXXX different issues, please read the second part of the letter ) At the same time, a sale date for my home was scheduled for XXXX XXXX, XXXX. I filed bankruptcy on XXXX XXXX, XXXX and somehow, the sale date was canceled. 
Ocwen never sent these XXXX offers, anyone can see the discrepancy that there is between the XXXX of them : First, the time between the XXXX offers, the XXXX offered on XXXX/XXXX/XXXX with scheduled trial payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX with a non-approval note on XXXX/XXXX/XXXX. The first trial payment scheduled less than a month after the offer was made. The second offer sent on XXXX/XXXX/XXXX with scheduled trial payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX with a non-approval on XXXX/XXXX/XXXX. There is no way, that streamline offers were send so close to each other. Then the amounts on the first offer {$800.00} and on the second {$1200.00} the difference of {$420.00} is quite high. At that time they did not know anything about my income, even if I did the trial payments there was no way that I was going to be approved for permanent modification. 
In addition, I can prove that the XXXX modification offers were never send to me : First, on XX/XX/XXXX I sent a complete modification application package with the help of my attorney XXXX XXXX XXXX, why I will be sending complete modification packages on the same month that a trial payment was offered to me? Second, I have received mail belonging to another homeowners since Ocwen bought my loan, most recently ( please see attachment XXXX ). When I called Ocwen to let them know, the representative who answered the phone stated that " was a computer mistake ''. 
Also, Ocwen keeps reporting that my home is empty, even that I have proven occupancy, many times. Inspectors have been ordered to go to my home and change locks, I have talked to them and they promised to inform Ocwen, but still they force an insurance on me, canceling the hazard insurance that I had in place.
Consumer complaint received 2015-12-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Solomon and Solomon, P.C. (DE)

my credit report has me down for a charge off and late payments to XXXX/XXXX company. it is not my account. it is not an address that i have ever lived at. i want all aspects of this matter purged from all of my credit histories and i want letters of apology that can be presented to any future creditor.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.