davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (PA)

I 'm in default illegally as I was XXXX without communication for over 8 years when I was initially on a deferment, with no notice it was n't continued until I was in the middle of the XXXX and had no options, however the issue at hand is I 'm paying a rehab program, but they keep calling me at work, and then refuse to quickly complete the call, seeming to extend it needlessly. When I ask for a quick call, they slow it on purpose, putting my job at risk. They do n't offer any online payments or other self pay options to avoid these humiliating calls. They ask questions that are harrassing, and although I 've made numerous requests not to be asked, I 've been advised to stop asking for that as they state they 're required to ask.
Consumer complaint received 2016-09-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I attempted to dispute this with transunion, but their online system keeps giving me an error message. 

There is a XXXX account reporting on my transunion report. I have never opened a kohls account. The account number is showing XXXX and I have no idea what this account is. I have never paid on this account because i had no idea it was even opened.
Consumer complaint received 2016-06-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC (MA)

A former servicer failed to respond to a timely Request for Information and Notice of Error concerning improper handling of a modification application and transfer. 
On XXXX XXXX, XXXX, Roundpoint Mortgage Servicing Corp. received the borrower 's RFI and NOE according to USPS tracking of the certified mailing. An acknowledgement notice was sent by Roundpoint on XXXX XXXX, XXXX indicating receipt of the RFI/NOE on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Roundpoint issued an extension notice until XXXX XXXX, XXXX for its response. ( While the XXXX XXXX notice was in the mail, the borrowers sent a NOE on XXXX XXXX complaining about the failure to reply to the RFI/NOE. ) No response to the original RFI/NOE has been received and it is 8 days after the XXXX XXXX deadline. No response to the XXXX XXXX XXXX has been received. 
The original RFI seeks a copy of the loan transfer schedule that Roundpoint made when it transfered servicing of the loan in XXXX XXXX to XXXX XXXX XXXX. The RFI also requests other documents relating to the transfer of the borrowers ' loan. 
The original NOE concerns the possible failure of Roundpoint to list the borrowers ' loan as a HAMP eligible loan at the time of transfer. The borrowers had submitted a HAMP modification application to Roundpoint prior to the transfer and had not received notice of eligibility or ineligibility for HAMP. The NOE requested that Roundpoint correct for this error by amending the loan transfer schedule to list the borrowers ' loan as a HAMP eligible loan. 
Prior to the RFI/NOE, the borrowers had made a request to XXXX XXXX for a HAMP Modification, but XXXX denied the request because the loan was not listed as HAMP eligible at transfer and XXXX is not a HAMP participant. The borrowers desire a HAMP modification to preserve homeownership for a property that they have lived in with their family for 31 years.
Consumer complaint received 2016-05-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (GA)

I was in an XXXX in XXXX Hospital in XXXX for a XXXX. After Dr. checked it out He just told me that I should not worry with getting rest should go away. When I went to accounting I was told that I could either pay {$370.00} or provide insurance, since I was unemployed at the time I was covered by Obama care and filled out the forms and filed with them. I got a call last summer from Medical Revenue Service in regards to my bill. I had explained to them the issue and had not been heard until XX/XX/XXXX that received debt verification notice. I gave the notice to my attorney XXXX XXXX and He sent a letter denying the debt and requested some documentation related to my case. I had not heard from the agency again until XX/XX/XXXX, the lady named XXXX called me and informed me that could not get in touch with my attorney He would not return calls either. I informed her about his letter but She denied that they had received it, I demanded her e mail address so I could e mail her the letter but She declined to provide it to me, however asked me to fax it. Agency reported to my XXXX credit bureau as collection a week after my conversation with XXXX. I received another debt collection notice in XX/XX/XXXX. I called the agency and spoken to Chastity who handles my case, She denied receiving my attorney 's letter, when I mentioned her about XXXX debt verification notice which I got in XX/XX/XXXX, She could not answer me how could that happened, reporting to my credit bureaus first, denying my attorney 's letter, and sending XXXX more verification. I now can not get any credit, they have coursed me great amount of XXXX and financial lost. I had applied to refinance my car which would save me approx. {$1500.00} a year on interest, and since I am in XXXX, buying on credit and selling, now I can not apply for credits. I asked XXXX to remove the collection from my reporting bureaus and I will not file for damages, She said that was going to talk to a manager as yet they have not done it yet.
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL (NY)

Called XXXX XXXX credit card ( Synchrony Bank ) and asked about Foreign Transaction Fee because it does not show in my account. 
Representative ASSURED me it is many time it is zero percent so I asked to send me in writing which she can not find. Supervisor ASSURED me it is zero percent but there is nothing in her computer or can not email me. They only postal mail and will take 30 days. 
I research online and there is nowhere where it says zero percent. They are lying. They will probably deny they ever said zero percent, which is why I wanted it in writing.
Consumer complaint received 2016-09-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CMRE Financial Services, Inc. (FL)

CMRE. XXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CMRE. XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CMRE. XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2017-03-16
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (VA)

I would like to request the assistance with an issue I have with Round Point Mortgage Service which is servicing my XXXX backed home loan. In XXXX I refinanced my XXXX Home Loan with XXXX which then handed the loan off to XXXX and now Round Point Mortgage Service. Due to a unrelated issue in XXXX I filed Chapter XXXX Bankruptcy due to a divorce however, I did not file against my home and continued to pay monthly mortgage payments as scheduled. I went through the Chapter XXXX repaying all unsecured creditors and satisfied all of the US Bankruptcy Court requirements. The issue came after I completed the Bankruptcy. I contacted Round Point Mortgage Service in reference to my mortgage which took several weeks to get Round Point to remove me from Bankruptcy status at which time they claimed I was 4 months behind on my payments from the beginning of XXXX. I then received a certified letter from Round Point stating that if I did not pay the four months of payments by XXXX XXXX they would began foreclosure procedures. I have contacted Round Point numerous times in attempt to resolve this issue. I have sent them 26 months of Credit Union Statement, Payment History 's from previous mortgage services companies and court documents. My attorney has sent signed documents from XXXX XXXX attorney certifying my mortgage is in good standing. Round Point has still failed to resolve this issue, they have lied about speaking to my attorney and give a different excuse each time I speak to them. I am seriously concerned about losing my home, my federal employment and XXXX benefits due to this issue. I am in hope you can offer assist to me in getting a resolution to this issue I can provide all of my supporting documentation to support fact that I am " NOT '' in default on my mortgage.
Consumer complaint received 2016-09-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Paypal Holdings, Inc (MD)

File against : PayPal Credit ( Bill Me Later, Inc ) Refusal to admit me in a hardship program for my XXXX, XXXX in car wreck unable to pay, I should qualify for a med hardship program? I am currently still treating for XXXX and XXXX resulting from a car crash that was not my fault. This XXXX has caused me to lose income and hours. I have repeatedly tried to bring this to the attention of paypal credit relating to my balance. My credit continues to get hurt because I am not on a proper repayment plan. I do not want my credit hurt, I want a proper repayment option or options that I may be entitled to given my XXXX hardship. All my other financial institutions have offered me programs for this type of issue. What are available to me? Please respond in writing to the mailing address on file, so that I can bring my account in good standing. Thank you. 

Your Desired Resolution : I do not want my credit hurt, I want a proper repayment option or options that I may be entitled to given my XXXX hardship. All my other fincancial institutions have offered me programs for this type of issue. What are available to me? Please respond in writing to the mailing address on file, so that I can bring my account in good standing. Thank you.
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On several attempts I have reached out to this company in regards to inaccurate information on my credit report. I have sent company ( XXXX XXXX ) 3 certified letters advising them to provide proof of said debt as this does not belong to me! Company has refused to respond and provide proof and refused to remove this incorrect information from my credit report! I reached out to Transunion to obtain proof that his debt was verified as belonging to me and they have also failed to provide me with the proper documents of this debt.
Consumer complaint received 2016-09-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION (TX)

I was a victim of identity theft and noticed a collection from CENTRAL FINANCIAL CONTROL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. SENT THEM AN A LETTER AND THE ADDRESS THEY FURNISHED ON MY CREDIT REPORT IS INACCURATE AND LETTER WAS RETURNED. Police department told me to contact the federal trade commision which I wrote a formal complaint against CENTRAL FINANCIAL CONTROL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2017-03-15
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Kross, Lieberman & Stone, Inc. (NC)

I was seen at XXXX in XXXX who then sent personal information to Kross Lieberman & Stone. Kross Lieberman & Stonesent personal health information what type of procedure and reason for my visit which has to be in violation of HIPPA. I also do not see Kross Lieberman & Stone licensed to collect in the state of NC
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

I have a credit inquiry on my Equifax report that is from XXXX - XXXX it 's dated from the day someone tried ( without success ) to steal my debit information. XXXX/XXXX/2016. I ca n't find any company with this title. I also am marked as having a credit history for only 4 years but I am XXXX and have a credit history for 40 years!!! What can I do?
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit and gainful employment. It is my understanding that Transunion will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : XXXX account # : XXXX XXXX account : XXXX XXXX  XXXX account # XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) acct XXXX XXXX XXXXXXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX acct XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) account # XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) account # XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXXXXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX
Consumer complaint received 2016-05-09
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (VA)

My account with Walmart was closed due to missing payments. Thus, credit reporting had been suspended. Paper bills were not mailed to the address on file. I missed two payments. Recently noticed that negative information had been reported to credit bureau from this company. Would like someone to look into their ambivalence. It appears that they only report to credit bureaus when there 's default. Otherwise, the credit history is not reported. Why should this happen?
Consumer complaint received 2017-03-16
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: Select Management Resources, LLC (TX)

I completed and paid off my loan in XXXX XXXX and have not received my title back now being XXXX XXXX. I contacted the company and they do not take responsibility for the issue and blame the issue on a particular employee that took my payment and are extremely unprofessional when I attempt to speak with someone about a resolution.
Consumer complaint received 2016-05-08
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Cohn, Goldberg & Deutsch,LLC (MD)

Attempted to collect wrong amount Debt resulted from identity theft Did not receive notice of right to dispute Not enough information to verify debt i.e. amount of debt & name of creditor Did not disclose communication was an attempt to collect a debt
Consumer complaint received 2016-09-25
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (TX)

I just recently open up an account with CHASE Bank, direct deposit from Social Secuirty, I '' m XXXX years old, widow & XXXX. On XX/XX/2016, after receiving my benefits from my late husband job, paid bills online. Then on XXXX, @ XXXX on XXXX in XXXX, TX trying to pay for a purchase, card declined. Thank God there was a CHASE bank nearby, left there with my daughter & granddaughter went into the bank to check balance, printed copy of transaction. I Immediately spotted an unauthorized charge for {$100.00} by AMAZON. The teller referred me to a Banking officer, who in called the Customer Service Claim Dept regarding the charge. The CSR ( XXXX ) time XXXX -XXXX, informed me I had to call Amazon to cancel the charge for a membership. I went home and called Amazon @ XXXX CSR ( XXXX ) informed her about the unauthorized charge to my account for {$100.00}, she then transferred me to CSR ( XXXX ), who informed me it would take 3 to 5 business days to cancel charge and credit. I asked for a confirmation number regarding the transaction, she stated I would receive 2 emails. I did receive the 2 emails, in return called CHASE Customer Service Claims back spoke with CSR ( XXXX ) that I spoke with Amazon regardingt charge, sending emails confirmation. I asked the CSR if I would fax the information to them, no problem I would go ahead and reverse the charge. CHASE refusal to accept the emails, ended up credit the account twice, after AMAZON had already credit the account.Then this week deducted their mistake from my account, causing me problems regarding paying my bills, where I can to make payment arrangement and do a bill in a cash payment instead of BILL PAY.
Consumer complaint received 2016-09-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

XXXX XXXX has embezzled our homeowners insurance draft of {$24000.00} that was paid to us by our insurance company for storm damage. We have fixed 90 % of damage with our own funds and the bank has sent inspectors 3 times and has still not released our funds and are playing with our money and emotions for the last two years. Trying to get them to release our funds has not worked and in the meantime they have " sold '' the mortgage loan servicing to Rushmore Loan Management Services and they repeated the above process and not returning phone calls or communicating by mail or email. 
This money is being illegally held by the mortgage servicer as it does not belong to them and was specifically for home repair that we had to complete before the bank would release the money. The bank requested detailed invoices and releases of liens from the repair companies that fixed the damage that we paid for. They also sent out inspectors at different times and have not released our funds since the last two years. The fair resolution is that they immediately release the {$24000.00} and pay the costs and interests on this amount. Thanks. 
Please help protect the consumers!
Consumer complaint received 2016-09-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

I submitted a complaint last week. It took EQUIFAX less than 48 hrs to decide NOT to read my complaint including an attachment providing full details regarding the false & illegal reporting in my name. The following is what has taken place since I filed my complaint last week " Initial complaint " EQUIFAX has refused to investigate my dispute and refused to provide me evidence to support their claim to refuse to remove a collection claim in my name despite proving to them that I took the company to court where the judge point blank told the woman to stop harassing me, treat her customers right and to remove all remarks on all three credit bureaus reports.Despite me providing EQUIFAX a copy of the woman 's own written statement that she has informed them to remove collection account from my name, EQUIFAX continues for the third year in the row to refuse to remove the account. What does it take for EQUIFAX to follow the law and remove false reporting in my name? All they say that they have " investigated it " but refuse to provide me any type of evidence and documents, and completely ignore the written statement from the woman behind the claim to remove it '' End of initial complaint '' EQUIFAX response " Equifax has reviewed the complaint and its records. You did not list any specific items in which you are disputing. In order to properly address your concerns and assist you, you will need to provide specific details regarding items on your current credit file in which you disagree. Written confirmation has been mailed to you on XXXX/XXXX/XXXX. '' My response after receiving a response like that ; " I am so sorry you choose not to read my complaint in its fullest as I attached a letter from your client verifying that she told you to remove her claim back in XXXX but yet you choose to ignore your own client and illegally reporting items in my name. It is amazing the knowledge you can gain by actually taking the time to read what people give you. I strongly advise you to actually open the attached document, read it and then respond.If you still struggle reading the document which is written in XXXX please let us know so it can be translated. If you can not open attachment, you need to let us know. '' I look forward to EQUIFAX actually reading the attached letter from their own so called client in which the client states she informed EQUIFAX back in XXXX to stop reporting the claim and to remove it completely " I guess EQUIFAX believes they do n't have to follow the law even-though their own so called client has told them to stop harassing me and to stop reporting a claim. I have attached the letter again. Please do open the attachment that has ALL the information they claim they did n't receive. Furthermore the claim that EQUIFAX contacted me for further details is a lie. I would love to see prof of this claim. If EQUIFAX continues to believe they are above the law, then police will get involved and charges filed