davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MO)

Noticed a medical debt collection on my credit report last year. Created a dispute in XX/XX/XXXX at which time Transworld Systems Inc. came back to find that the debt was indeed owed and would remain on my account. I noticed a 2nd medical debt from the same doctors office pop up in XX/XX/XXXX at which time I contacted the office and went to retrieve documents to prove the debt was never sent to collections and indeed paid in full with a balance of {$0.00}. 
The first debt has been reporting on my credit report for 9 months + and the company refuses to take off all the derogatory marks. I do NOT want this updated to {$0.00} I want all the remarks removed. I haven NOT been in collections over this bill therefore it should be deleted completely from my credit profile. 
The 2nd debt was just reported on XX/XX/XXXX. SAME doctors office and the bill was paid on the same day as the previous bill. {$0.00} balance with the office yet I continue to receive nasty threatening letters, phone calls and reporting. Please HELP!!!! This company has NO business handling collections or accounts for anyone. They are trying to scam me into paying them almost $ 1K. I want all of this taken off my credit report. I have uploaded these documents to the credit bureaus but was told Transworld Systems Inc. does the investigation and provides the results to publish on credit reporting. They are SCAMMERS and clearly trying to take money and peoples credit abilities. This is unfair. I have to spend my time chasing companies to help me get this resolved when in fact I OWE NOTHING to the original creditor and Transworld Systems INC.
Consumer complaint received 2018-04-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (NY)

I received a phone call from XXXX XXXX XXXX. XX/XX/XXXX stating that they had mailed a notice to collect a debt to an address that I have not lived at for over 10 years. I provided my new address and followed for approximately 2 months. Meanwhile, the deadline to pay the debt was XX/XX/XXXX. I finally received my noticeXX/XX/XXXX. I paid a final payment as per my settlement agreement amount on XX/XX/XXXX which resulted in a total of {$300.00} in installments. I was advised by XXXX XXXX from XXXX XXXX XXXX XXXX. that the XXXX would notify the creditor XXXX XXXX XXXX XXXX XXXX   and that I would receive a letter within 7-10 days. On XX/XX/XXXX I was mailed a letter from XXXX stating that I had a balance of {$550.00}. on XX/XX/XXXX I called XXXX and spoke to XXXX XXXX   who had advised that my file had not been closed, that XXXX   had not notified XXXX XXXX XXXX that my debt was paid in full as per the settlement agreement, and that the notice that I was supposed to receive in 7-10 days was not mailed. As per XXXX XXXX at XXXX they would notify XXXX XXXX XXXX XXXX and I would receive a notice within 7-10 days. It has taken me over 3 months to try and settle this debt without any help or assistance from XXXX XXXX XXXX.

Client acct # XXXX  XXXX acct # XXXX  Creditor is XXXX XXXX XXXX XXXX XXXX Debt Description : XXXX XXXX Original Account # XXXX
Consumer complaint received 2023-09-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Adjusters, LLC (AZ)

XX/XX/2023 I received second call which was a couple days after the first call from tel # XXXX. Both times stated the line was recorded. I hung up. I called the number back which gave me the company name National Credit Adjusters. Not knowing why or who they where calling about I XXXX to get their address and typed up a letter in XXXX docs and sent it Priority on XX/XX/2023 track # XXXX XXXX XXXX XXXX XXXX XXXX using the last 6 numbers of my social as a Ref #. Dear Bottom Feeder ... .. Basically asking for a debt validation letter to be sent.

I get a notification from XXXX XXXX that a collection has been placed on my file today XX/XX/2023. I disputed with XXXX today that I wasn't informed of this debt and that it needed to be validated
Consumer complaint received 2018-03-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CT)

Hello, I have a conventional mortgage with Chase. Due to divorce, we are selling the home and it is a short-sale. We have a buyer who has been approved for VA loan, but Chase is demanding that line XXXX on the XXXX is deleted. This line reflects the cost of the homeowner 's insurance for the buyer, and is required by the new lender. It is in column that reflects it will be paid by buyer. The new homeowner 's insurance has nothing to do with Chase as they are the seller. 

It does not make any sense why they want this line, that does not affect them, deleted. This is a requirement for the new lender. The attorneys involved and realtors do not understand why Chase is requiring this and have spoken to Chase with no resolution or satisfaction. 

They refuse to close without the line deleted. Closing has been delayed 3 times. This buyer is ready to walk away, and it will be the XXXX buyer to walk due to Chase 's inability to perform and close a transaction. I have already moved out of the home because we thought we were going to close XXXX weeks ago. 

They have no right to demand that line is deleted from XXXX. It does not affect them in any way, and it is a requirement for the lender. 

Please help. 
Thank you.
Consumer complaint received 2018-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (CA)

On XX/XX/XXXX I spoke to XXXX FROM XXXX RELATIONS ABOUT MY XXXX ACCOUNT WHEN IT WAS STILL ACTIVE DUE TO FALSE CHARGES OF XXXX EQUIPEMENT THAT had not been returned according to XXXX XXXX AND I EMAILED BACK AND FORTH TRACKING NUMBERS OF DEVICES THAT WERE SENT BACK AND RECIEVED BY XXXX WERE EMAILED TO XXXX, SHE APPROVED AND APPLIED CREDITS AFTER SEVERAL EMAIL AND PHONE CALL ATTEMPTS OF MYSELF TRYING TO GET XXXX OF XXXX. XXXX FINALLY SENT AN EMAIL BACK ON XX/XX/XXXX STATING CREDITS WERE APPLIED AND I was AT A {$0.00} BLANCE AND WOULD RECIEVE MY FINAL STATEMENT FROM XXXX. IN XXXX I RECEIVE A FINAL BILL TO A FORWARDED ADDRESS CONFIRMING ADJUSTMENTS ... MONTHS LATER RECIEVED A COLLECTIONS NOTIFICATION STATING ACCOUNT WAS PAST DUE ( DUE TO CREDITS FALLING OFF ) CONTACTED XXXX AGAIN DISPUTED EVERYHING THEY AGRRED TO REMOVE ALSO COLLECTIONS AGENCY AT THAT TIME AGREED TO REMOVE SINCE INCCORECT AMOUNT WAS REPORTED AND NOT OWED DUE TO EMAIL VALIDATION AND TRACKING NUMBERS AND INVESTIGATION.
Consumer complaint received 2018-03-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (NJ)

There has been a serious and ongoing issue with DiTech. When applying for a loan modification, DiTech advised on XX/XX/XXXX that the application went to underwriting. Throughout the process we have provided documents and clarification in a timely manner as requested by underwriting. On XX/XX/XXXX we were advised that the package was deemed complete and we needed no further explanation or documents on our end. From that day on, we called almost every other day for updates on the package. We were advised on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that our package was complete, being reviewed, and was still in underwriting. On XX/XX/XXXX, we were told that this case was being escalated because we should have had an answer by now. Then, on XX/XX/XXXX we were told that DiTech was still looking into it. Finally, on XX/XX/XXXX, the home was sold to a sheriff sale. 
Why is it that no one at DiTech was able to advise us of a sale date? DiTech gave us the impression that the modification package was not only complete, but actively being reviewed with underwriting. This is someones home and DiTech obviously does not do their due diligence to ensure people are being properly taken care of. We could have taken the proper steps to prevent this had our lender, DiTech, done their job.
Consumer complaint received 2018-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I applied and was granted an income based repayment plan. At the start of the plan, was told I had to pay an amount to cover late payment charges, which were erroneous, but nonetheless I paid the amount requested. Since that time they have continually requested I pay the amount for the charges over and over. I was told the first payment was applied incorrectly but this would be rectified. It never was applied in the appropriate manner. I have talked to several customer service representatives, written many emails and letters to get this matter resolved. Now they have changed their online payment program to where I will once again have to pay the amount that they are saying is for late payments, which I never had a late payment, I had been in forbearance or deferment. There is no way to pay my income based repayment amount. Of course they are closed when I am able to call them. This is ridiculous and fraudulent at this point. This has been going on for 3 years at least.
Consumer complaint received 2018-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NC)

I am a XXXX XXXX and have worked since graduation from college serving XXXX XXXX communities. I recently submitted my employment for certification for the Public Service Loan Program. My employment was certified. However, when my loans were transferred to Fed Loan Servicing, they informed me that the payment plan I had been on previously made me ineligible for the PSLF. 

I have registered a complaint with my previous loan service, Mohela. My loans were transferred three times in four years, from XXXX XXXX XXXX ( XX/XX/XXXX ) to XXXX ( XX/XX/XXXX ) to Mohela in XX/XX/XXXX. Each time my loans were transferred, I spoke to customer service to confirm I was in the right payment plan for PSLF. Each lender assured me I was. When I spoke most recently with Mohela customer service on XX/XX/XXXX after being told I was ineligible because of a previous payment plan, they informed me that I had been in the correct payment plan but that the terms of that plan were wrong. They provided me misinformation about the terms of the loan, and can not fix the history of my payments. 

I have worked over ten years in public service, but because the loan companies who had my loans provided me inconsistent and incorrect information, my employment does not count towards my loan forgiveness.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (UT)

EQUIFAX CONTINUES TO KEEP REPORTING BOTH OF THESE ACCOUNTS AS " PAYS AS AGREED '' WHEN BOTH HAVE BEEN PAID OFF & CLOSED! KEEPING THEM IN A STATUS OF " OPEN '' HAS LOWERED MY SCORE TO XXXX! THE CREDITOR TRIED TO CORRECT THE PROBLEM BUT EQUIFAX REFUSES TO OBLIGE. I REPORTED THE CREDITOR AGAIN TO THE XXXX  IN ORDER TO GET THEIR ATTENTION ON THIS MATTER & REQUESTED THEY DELETE IT & DISCONTINUE DOING BUSINESS WITH EQUIFAX SINCE THEY'RE TOO INCOMPETENT TO REPORT INFORMATION ACCURATELY! SEE ALL ATTACHED INCLUDING THE FCRA LAW THAT STATES IF THE INFORMATION CAN NOT BE REPORTED ACCURATELY, WHICH IT HAS NOT BEEN ON EITHER ACCOUNT, THEN IT MUST BE DELETED OR THE CONSUMER HAS THE RIGHT TO SUE THE BUREAU & CREDITOR. THAT IS THE NEXT STEP FOR ME!
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

New account. It has been placed on a total of three ( 3 ) payment holds already. Each payment hold is a complete account lock-out for a total of twenty-six ( 26 ) business days. I called and spoke with the manager/supervisor over the phone, but the creditor claimed they had noted the concern on my accounts, but it is Capital One 's policy to place a payment hold for twenty-six ( 26 ) business days at their own discretion.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (TX)

American Express is violating my rights as a consumer by posting a charge off on my credit file in violation of USC 1681 a, USC 1681 s2, USC 1681 2 ( a ) ( 1 ). furthermore this account is past the statute of limitations in my state. yet they are still harassing me by phone calls and emails.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

To Whom it Concern I am writing to formally dispute the inclusion of certain items in my consumer report, which I believe were reported without my written consent. I am bringing this matter to your attention in accordance with the provisions of 15 USC 1681b, which safeguards the privacy of consumer information.

I filed a report with the Federal Trade Commission ( FTC ) regarding the unauthorized reporting of my personal information, which I believe constitutes identity theft. I have been issued a reference number for this FTC report, which is [ XXXX ]. 

According to 15 USC 1681c-2, consumer reporting agencies are required to promptly block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft. I kindly request that you adhere to this legal requirement and remove the following accounts from my consumer report immediately : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXI Account Number:XXXX  I expect these accounts to be removed within the time frame specified by law, not later than four business days after the date of your receipt of this letter.
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MN)

I seen multiple hard inquiries on my XXXX XXXX  and equafix accounts which m not recognizing. I already have credit cards from them e.g XXXX and XXXX XXXX. I would appreciate if these inquiries could remove.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act Convergent Account # XXXX, Account # XXXX, Account # chapter XXXX bankruptcy, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-18
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: EQUIFAX, INC. (TX)

I value your help to CORRECT a portion of the data in my credit file, yet I have some items passed on that should be investigated. Per FCRA you are expected to correct and upate these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (UT)

EQUIFAX XXXX XXXX CONTINUE TO ALLOW INCORRECT INFORMATION TO REFLECT ON MY CREDIT LOWERING MY SCORE TO XXXX. XXXX XXXX XXXX XXXX ARE REPORTING ACCURATELY. THE ACCOUNT IS CLOSED YET EQUIFAX SHOWS IT AS " PAYS AS AGREED ''. THE ACCOUNT WAS PAID IN FULL & CLOSED XXXX XXXX NOT XX/XX/XXXX!!!!! THIS IS NOT ROCKET SCIENCE YET XXXX & EQUIFAX TREAT IT AS IF IT IS! 

XXXX DO NOT TAKE FCRA LAWS SERIOUSLY AT ALL! IF THEY DID I WOULD NOT CONTINUE TO HAVE TO DISPUTE THESE SAME ERRORS OVER & AGAIN! THE BUCK STOPS HERE & I FULLY INTEND TO NOT DISPUTE THIS AGAIN IF THE BELOW & ATTACHED ARE NOT ACKNOWLEDGED. THE NEXT NOTICE ALL GET WILL COURT DOCS FILED IN CIVIL COURT & I WILL REQUEST A JURY TRIAL!
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Revolut Technologies Inc. (FL)

On the XXXX XX/XX/2023 I tried to buy some bags online, using 1 physical card from XXXX. When I was completing the transaction they took my card details and after a week ( XXXX XX/XX/2023 ) they steal me XXXX $ in 6 transactions of XXXX $ each to XXXX in Florida from my XXXX account. Obviously all UNAUTHORIZED Transactions. I informed immediately the banks that those are unauthorized transactions but they replied to me that for them the transactions arent suspicious. How can I proceed in order to get a refund for my losses?
Consumer complaint received 2023-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-09-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BMO Bank, N.A. (CT)

BMO took over Bank of the West. On XX/XX/XXXX the transfer was complete. Around XX/XX/XXXX I went online to establish my account with BMO I received an error message. I called and the agent was able to clear the error. I went to the next step to verify my bank information and they requested the user name and password of my bank to verify my account. Not happening. I spent 3 days using their XXXX alternative to verify my account. Each day I receive error messages. I finally was able to verify my account.On XX/XX/XXXX I received an email that my phone number was taken off my account. I again called BMO was told the agent had no access to my account. He could not or not explain why. I asked to be transfered to someone who could access the account. I finally was connected to a person. She explained that my account was shut off because they request a driver license verification. In this process, I could no longer access my account. I never recieved that by email or bank message. I requested that they mail through the Post Office the driver license request and a payoff bill. I was told they could not send me a driver license verification through the mail. She also told me if I sent a check in the mail that no one could access my account. Today XX/XX/XXXX I have access to my account for now. In between all these conversations I was being told that I would need to go to my local branch. I live in XXXX  the local branch to me is XXXX XXXX XXXX. I was told also when I called The XXXX toll-free number that they could not help me because I am in the US. So XXXX is not an option. All I would like to do is to make sure that my BMO account is active. I am taking a personal loan from my bank to payoff this loan if I get the mailings. I just want to pay this off. I do not want my credit score to be effected, I worked hard to get it where it is at. In XXXX  years I have never had this type of issue. Please help Thank you
Consumer complaint received 2023-09-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc. (WY)

I took a loan out cause at the time I was homeless and needed some money to not starve. After which when they sent me all the paper work is when I saw it was like 300 % +. Well I accepted that as my own XXXX but after awhile I lost the job I got and have been unable to pay. Due to this my phone got turned off and I have attempted to contact them in any other form I can and they refuse to reply to me. Ealier today I got a email saying if I don't reply to then they will send my loan to collections.
Consumer complaint received 2023-09-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

The banks website autopay misleads you into thinking that you can delay your payment a few days and it will still be paid. Instead they cancel that months payment and change the next payments date. This makes you late and they charge fees and it impacts your credit. I believe this is intentional.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FinCo Services Inc DBA Current (NC)

On XX/XX/2023 I received an email to my work address indicating a virtual card was opened. I went on their website immediately to find contact information. There is no phone number and a bot for a chat person. I left a message via the bot and also filled out a form indicating I wanted the fraudulent account closed. I received an automated email to the form cancellation request and responded back about the fraud and never heard back from them. Then on XX/XX/XXXX I received another email indicating a physical card was in the mail to my house. I have no way to know what information they have in their systems. This is the second online bank that has done this to my work email the other being XXXX ( however I was able to chat with someone online about that one and get follow up from the fraud team ).