davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (MI)

In XXXX 2015 my wife and I closed on a new home. We received a mortgage through XXXX XXXX, which was serviced by LoanCare. In XXXX it came to our attention that we had not received any form of mail, phone call or email from XXXX XXXX or LoanCare. No statements or anything relating to our mortgage. 

We spoke with a lady at XXXX XXXX and she told us that our mortgage was 30 days past due and that another payment was due at that time. I explained that we never received any sort of statement, email or phone call telling us that our payment was due. She directed me to LoanCare, so I called them. 

The LoanCare representative insisted that we had in fact been receiving statements, past due notices, phone calls and emails warning us of the situation ( he was was quite rude and not interested in hearing that this was indeed not the case ). Of course I immediately made the payments but was told that my credit report now reflected a 30-day late payment. I asked the rep to tell me what phone numbers he had on my file and he read them to me. Neither of the numbers were ours, and XXXX was a toll-free number. The email address was correct, although I had never received anything from them via email. He offered no apology but said he would change the phone numbers. 

We went back to our email to see if we somehow missed a notification telling us payments were due. Nothing. In fact, the first contact I had from LoanCare via email was in XXXX after I decided to register with their website. 

Then in XXXX we finally received a piece of mail from LoanCare containing a statement with a due date of XXXX XXXX, with a note attached reading : " Please find enclosed your XXXX statement. This statement was scheduled to be mailed in XXXX, but the mailing was unfortunately delayed as a result of a programming error with the print vendor. We sincerely apologize for the delay in mailing this notice ... '' Obviously the ball was dropped on their end from the start and they are unwilling to acknowledge it. We still have not received a statement for XXXX, which is the payment they reported as 30 days late. 

We have been insisting that the blemish to our credit report be removed yet after repeated attempts LoanCare refuses. We have provided them with the evidence that the error is theirs but they do not seem to care. 

I have all of the documentation to back the statements I 've made above. Hopefully this process will result in a correction to our credit report. 

Thanks in advance.
Consumer complaint received 2016-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (OH)

Over a year ago, I spoke with Ombudsman with XXXX. 
XXXX, I was told to apply for a Loan Discharg : False Certification because I never received employment for the education I received Loans for. In XXXX of 2015, I sent my Application of Loan Discharge to my Loan Provider, American Education Services ( AES ). For the past year, AES Has reported to me they have " lost my application, '', Admitted " my information has sat on their desk for months, '' not responded in a timely manner-then informing me I had to submit a new application " because the old XXXX expired. '' I am on my fourth application and I still have no acceptance of my Loan Discharge from AES, and interest on loans is accumalating. I want to receive my Loan Discharge Please advise. My phone number is XXXX. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2016-04-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Merchants and Professional Bureau, Inc. (TX)

Company is reporting to XXXX and XXXX but has failed to produce accurate and complete information regarding debt. For example the bills of XXXX different patients were combined on XXXX statement but there are no signed patient responsibility forms for XXXX of the XXXX patients. Also there is no indication which patient 's bills were credited with payments and insurance reimbursements and therefore it is impossible to determine whether I am responsible for any of the bills presented. Attempts to get more info from company by phone is met with hostility and a demand for payment
Consumer complaint received 2016-08-11
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (PA)

I submitted a complaint yesterday, XXXX, against Ocwen Loan Servicing center and I forgot to put important info. in my complaint. It is reference to my property at XXXX XXXX XXXX XXXX Pa. XXXX. The loan number with Ocwen is XXXX. I am the owner of the house, XXXX XXXX XXXX, The last XXXX to my ss # is XXXX. My phone no. is XXXX and Ocwen 's phone number is XXXX. They are not releasing a satisfaction letter to me on the property of which I have a XXXX balance. And they collected thousands of dollars unlawfully from me for approx. 10yrs. from a bankruptcy case that I was discharged from. I have documents from Ocwen stating that the debt was forgiven and charged off, but they continued sending me bills of which I was paying not knowing that that debt was charged off because Ocwen took over the original creditor ( XXXX ) which I did not know. I had XXXX buyers for the house but since the title search came back with a lien, I can not sell the house until it is lifted. I have been fighting with ocwen for months now to resolve this issue and can not get any results.
Consumer complaint received 2017-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CO)

Since my loans were taken over by Navient it 's been a never ending series of " we do n't know how that happened ''. Primarily, the problem is my payments have never been applied as I 've asked - to the principle. I always pay more than the minimum, and they keep applying the additional to interest. The result is I actually owe them {$3000.00} more now than when I started with them. Their website and phone line are impossible to understand, and no one can ever explain anything. I have literally received 3-5 differing statements, looked on the website and found a different amount, and called and been told a totally different amount all in the span of a few days. They 're rigged to keep you confused, generating late fees ( that they do n't apply your payment to either ), and in debt, forever. I am trying to do the right thing and pay, but I am sinking because of their practices!
Consumer complaint received 2016-11-07
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Reliant Financial Corporation (CA)

Payments sent each month to vendor : XXXX XXXX to XXXX XXXX XXXX, XXXX, CA XXXX before date ( due XXXX of month, sent by XXXX of month ). In XXXX no billing, telephone call 1 week later of no payment ( said mail returned - I do not believe ) sent Post Office Money Order same day Priority 1 day mail with tracking. Call today money not received - late fee is now applicable ) Checked USPS tracking : Money Order delivered XXXX Post Office Friday XXXX XXXX, 2016 at XXXX. Telephoned back Worker argued not there therefore what do you want me to do? Asked me to call back in 3 days. Explained tracking has money order there and I am NOT responsible for when they pick up mail. Asked for Supervisor who took tracking number, money order serial number and amount and said she would reverse late charge. I am afraid they will continue to do this to accrue late charges and late fees for saying that they did not receive payments. I send money orders because they are a shady group and do not want to give access of checking account. No online access, and interest rate at 95 %. Trying to pay off asap. I believe they are cheating people giving late fees because they fail to pick up mail.
Consumer complaint received 2016-07-18
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc. (DC)

I applied and was preapproved for a loan online XXXX/XXXX/16 with RoadLoans.com ( Santander Consumer USA ). The loan had a 10.70 % interest rate, with a finance charge of {$13000.00}, to finance {$38000.00}, with a for a maximum loan of {$52000.00}. This is a XXXX % Loan to Value ratio. The dealer associated with this preapproval was XXXX XXXX. My credit score is XXXX, not bad, not great, but I believe just above sub-prime. I later scheduled an appointment with a dealer named XXXX on XX/XX/XXXX through Roadloans.com. I never went, and did n't ask them to run a loan for me. On XXXX/XXXX/16 I received notice I had been declined for a loan by Santander and XXXX XXXX XXXX XXXX XXXX. I did n't authorize them to run a full loan for me, and in fact told Santander, which called me on at least 4 occasions, that that I was not interested and had found a better loan. I bought a car through a different dealership which offered me a 1.9 % interest rate -- dramatically different. People should know that they can get better loans than from Santander.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I am appealing for your help regarding this erroneous account listed on my credit report. I have reported this issue because it has negatively impacted my reputation, and I need your support. Your mismanagement of my credit report put me in a difficult position due to your inaccurate reporting, which damaged my reputation. These mistakes need to be corrected so I can live normally with my family.
Consumer complaint received 2017-01-11
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On numerous occasions Bank of America and their representatives have made representations as to my character and account status that l find beyond insulting, humiliating, and embarrassing. These representations were not only made to me, but to the public as well. For example, when Bank of America represent I have defaulted on a mortgage or Deed of Trust it implies I have intentionally ignored my financial obligations and I am not to be trusted. 

Just to be clear, it is not me who has made knowingly false statements as to the true status of my account, or who has caused this account to default, if any. For example, Bank of America has repeatedly stated I have made multiple requests for mortgage assistance ( RMA ) and, as a result, have been denied on appeal multiple times as well. However, as confirmed today with Bank of America representatives, there are no Appeal Department documents evidencing an appeal or a determination on appeal XX/XX/XXXX. When asked to provide proof of these and other representations, Bank of America never does, but insist on continuing to add insult to injury with their lies. 

In the XX/XX/XXXX Bank of America letter provided by their legal counsel, they attribute statements they have made as mine. For example, it is Bank of America who stated to me in their XX/XX/XXXX letter, also provided by their legal counsel, there is no principal balance associated with this account. It is not I who has made this representation to Bank of America. 

I have put Bank of America on notice to immediately cease and desist with this and similar behavior as I find it to be slanderous, among other things. 

Additionally, Bank of America informed me today my account as been coded as being represented by legal counsel and, as a result, are unable to talk to me directly. I am currently not represented by an attorney and have made this clear to Bank of America. 

Also, after the events of XX/XX/XXXX, I have told these people to stay off of my property as they are trespassing and not to come back. 

88 ) Malicious Credit Reporting. 
91 ) Financial Sabotage ( on a mortgage or Deed of Trust ). 
92 ) Fair Credit Reporting Act. 
93 ) Defamation of Character. 
94 ) Slander 95 ) Liable. 

All previously mentioned resolutions are desired and mandatory.
Consumer complaint received 2016-11-07
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY (TX)

In XX/XX/2015, I was the victim of Identity Theft. Target was the 2nd company to contact me about an account being opened in my name. They told me at the time that they would remove the hard inquiry off of my credit report, but as of today it is still on there. I have filed a police report & followed all protocol to get the hard inquiries off of my credit, but Target & XXXX are still on my XXXX Report under Hard Inquiries. I have exhausted all of my resources to get these last two inquiries off of my XXXX report. I hope you can help get these resolved.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and XXXX  XXXX. 
I never sat across a table from any of the alleged creditors and XXXX  XXXX and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All alleged contracts are completely fraudulent and the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Consumer complaint received 2016-08-11
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Lendmark Financial Services (CA)

This debtor continues to make up to XXXX phone calls a day at work and to my " emergency contacts '' to collect a debt that payments continue to be made on. They will call up to every two hours to work continuing to harass not only myself but my place of business.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I was reviewing my credit report again the following accounts are fraudulent and need to be deleted/removed all XXXX  accounts I have notifications that someone is opening XXXX  accounts in my name
Consumer complaint received 2017-01-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

XX/XX/2016 we paid {$20000.00} in escrow account. I received a refund check for {$6600.00}. Our insurance is {$1300.00} per that year and our taxes were around {$3200.00} that year. This left as balance for XX/XX/2016 for over {$9000.00} that no one can account for. I want this investigated I have the proof of papers showing everything I talked about.
Consumer complaint received 2017-01-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Data Systems, Inc. (NM)

This is the third time I have filed a complaint against Medical Data Systems , Inc . It is frustrating to say the least that you never answer any of my questions. I understand the debt was sold to you but you should have a way to find out information about the debt in a timely matter. I 'm not sure how many times I am going to have to do this until I get a straight answer. Medical Data Systems XXXX Inc. is reporting negative information on my credit report that is incorrect. I was billed for a service from XXXX. I provided XXXX numerous times with my insurance information. I have talked to my insurance company and they have confirmed that the claim should have been filed with them. The claim was never filed. Every claim that has been submitted has been approved. I have confirmed this both with XXXX as well as with XXXX. They have not received any claims from XXXX for this bill. XXXX did not do their job correctly by not knowing how to bill insurance companies correctly. Now my credit is suffering because of someone not being able to do their job right. I am demanding that the debt be erased or charged/claimed to the insurance company. Also this was before I was married, my maiden name is XXXX. Again, I need this removed from my credit and the debt to be taken care of with the insurance company. I was not liable for this payment. I had full coverage medical insurance that should have taken care of this bill when it was created. Medical Data Systems XXXX Inc. has been the worst company I have dealt with. This is not the only XXXX I had to get taken care of this is XXXX of XXXX that I had to complain to and provide my insurance information to. The rest of the companies were able to verify my insurance and get rid of the negative reports on my credit report. IN A TIMELY MATTER. Until this is fixed I will continue to file complaints via CFPB because this is wrong on so many levels. I can not afford to pay for this bill and I have to suffer credit wise because of something that should have been paid by my insurance company.
Consumer complaint received 2016-04-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I initiated a transfer from Bank of American on XXXX/XXXX/2016 that was received by PFCU on XX/XX/XXXX. On Tuesday, XXXX/XXXX/2016 I received an email from Bank of America that Billpay or transfers are now inaccessible. The transfer that was made to XXXX XXXX XXXX XXXX ... 5 days prior to receiving the email about transfers being inaccessible. XXXX charged me a {$30.00} returned ACH fee due to BOA taking the money back 5 days later. BOA Branch said they ca n't do anything.
Consumer complaint received 2016-05-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company (IL)

Medical Bill my ex-wife failed to properly submit to correct insurance went unpaid and I was not notified or ever received a bill until I saw the negative mark on my credit report. I made immediate payment while still proceeding to have the correct insurance coverage applied. The collection company is refusing to remove the fraudulent derogatory mark from my credit reports.
Consumer complaint received 2016-07-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (GA)

The original creditor is workout anytime XXXX for a balance of XXXX. My final balance was as follows per an email to me on XXXX/XXXX/2016 : Contract payment {$45.00} Late/Service fees Cancellation fee Total Due to Cancel {$45.00} Cancel date XXXX/XXXX/16 The payment was to be drafted from my checking account which is active to date. I am not sure why it was not nor was I contacted regarding any issues. I had no idea this was a problem until I received a collection letter from Seas and Associates.
Consumer complaint received 2016-11-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lendmark Financial Services (MD)

Lendmark Financial is a corrupt company. They have change a bogus loan amount on my credit report more than 5 times, took me to court in both XXXX XXXX and XXXX XXXX XXXX XXXX, marked my credit report as sold then said it was n't and most recently added a bogus amount to my credit report again after it 's been disputed and marked as sold to a collection agency. 

They have attempted to collect money that I do not owe them for the final time. I will obtain a lawyer because they sued me twice for the same bogus loan in the same state just XXXX different counties. They also reported that I opened up this fraudulent loan on a Sunday, XXXX/XXXX/2013, which I did n't and I would remember that because it 's the day before my Birthday, and they are not even open on weekends. They are not only attempting to get what I do n't owe them but are even reporting incorrectly and but pursuing illegally by suing me twice for something I do n't owe them. 

My wife and I are currently in the market to purchase a home, this stunt of adding a debt onto my credit could severely hurt our chances of doing that and I 'm livid! I 've had enough of creditors being able to do what they want, when they want and we are to just take it because they say we owe them? 

I am suppose to be protected from double prosecution, I 'm suppose to be protected through the FCRA and the FDCPA. I ex cerise my right as a consumer to apply these laws to my case and I want this fraudulent account removed from my credit report immediately or I will sue for Fraudulent Credit Damages, Violation of the FCRA and the FDCPA and also for suing me twice the the same fraudulent account.