davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Bureau of York, Inc. (PA)

CBY  has not reported the correct balance to credit bureaus since XX/XX/XXXX. I paid the remaining balance off on XX/XX/XXXX. I called CBY to confirm. I was told that they would contact the original creditor ( XXXX XXXX ) to let them know the balance has been paid. The lady also told me to give it about 15 minutes for them to contact XXXX XXXX. I never received a call back from anyone. I was required to pay in order to get my XXXX done. 
Today, XX/XX/XXXX, XXXX XXXX called me to schedule my appointment for my XXXX and then said they couldnt schedule me because their billing office has a block on my account because XXXX never called to confirm my paid in full balance. I called CBY and was told once again that they would call XXXX XXXX to confirm the balance was paid. It was never done on XX/XX/XXXX! Once again I was told to give it about 30mins and CBY would call me to let know that they have contacted XXXX XXXX. For the 2nd time I didnt get a phone call. 

I am not sure what type of game this company is running but I want this situation fixed. My XXXX is DESPERATELY needed and CBY does NOT care at all. They had no problem calling me in XXXX asking for a payment. I was able to make one in XXXX due to XXXX and was on a leave from work. Legal measures will be pursued if these issues are not addressed. The older lady I spoke with on both occasions had been so sweet and I tried not to get upset with her. I know its not her fault. I want CBY to contact XXXX XXXX and confirm my paid in full status. Im addition to this action, this account needs to be removed from my credit report immediately due to not reporting accurate information to the credit bureaus.
Consumer complaint received 2021-12-18
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: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX someone without my authorization unlock my credit to apply for a American express and got XXXX alerts from XXXX different credit agencies XXXX and XXXX
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This complaint is many of several. I just did this a few weeks ago only for all XXXX credit bureaus to still keep this accounts on my credit files. 
I would like to also mention that XXXX lied in the response back from my prior complaint that they have removed all from my credit file and that is not true all XXXX fraudulent accounts are still on my credit files. They all have my credit usage very high as well due to these fraudulent accounts. 

The creditors even sent letters asking all XXXX bureaus to please remove the accounts from my files as they are identity theft! 

XXXX XXXX XXXX XXXXXXXX SHOULD BE DELETED FROM MY CREDIT FILES XXXX XXXX XXXXXXXX XXXX XXXX SHOULD BE DEPETED FROM MY CREDIT FILES XXXX XXXX XXXX XXXX XXXX XXXX SHOULD BE REMOVED FROM MY CREDIT FILES! 

THIS IS TANISHING MY CREDIT! 

XXXX, XXXX AND TRANSUNION HAVE AND WILL NOT TAKE THESE ACCOUNTS OFF MY FILES. THEY SIT ON MY FILES AS CLOSED IN BAD STANDING POLICE REPORT, CFPB COMPLAINTS, LETTERS FROM THE CREDITORS ETC HAVE BEEN SENT TO THE BUREUAS THE CREDITORS ASLED THAT THESE ACCOUNTS BE REMOVED COMPLETELY FROM MY CREDIT FILES XXXX AND TRANSUNION HAVE TONS OF INQUIRIES THAT ARE NOT MINE AS WELL ON MY CREIDIT FILES!
Consumer complaint received 2021-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORGAN STANLEY & CO. LLC (CA)

for Loan number XXXX at Morgan Stanley Private Bank. The loan was in deferment from XXXX of XXXX to XXXX of XXXX and was told that the modification program required income qualification. Later in XXXX I discovered that the modification program does not require income qualification and that the payment would lower my current mortgage payment by {$540.00} a month. I was never told about this offer. After calling the mortgage service center several times to try to get the escrow taken off of my mortgage, I inquired further and was told there is a new modification program that could lower my payment and just requires my acceptance of the offer.
Consumer complaint received 2024-08-27
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. (TX)

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-17
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. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2022-01-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (RI)

BACK IN XXXX OF 2021 I SUBMITTED A CONDITIONAL ACCEPTANCE FOR VALUE AND COUNTER-OFFER/CLAIM FOR PROOF OF CLAIM and TENDER OF PAYMENT OFFERING, TO THE LOAN SERVICING COMPANY WHO WAS HANDLING THE ALLEGED DEBT. THIS WAS DONE VIA CERTIFIED MAIL. NO RESPONSE. REPEATED THE PROCESS WITH THE LOAN SERVICER AND AGAIN NO RESPONSE. WAS LOOKING TO HAVE THE DEBT VALIDATED. THEN IN XXXX OF 2021 THE LOAN SERVICER ASSIGNED THE ALLEGED DEBT TO ANOTHER LOAN SERVICER. ONCE I FIND OUT THIS HAPPENS. I PUT TOGETHER ANOTHER PACKET WITH DETAILED INFORMATION ADVISING HOW THE ORIGINAL LOAN SERVICER DID NOT RESPOND TO MY INQUIRY IN A TIMELY FASHION IN XXXX OF 2021 INVOKING MY RIGHTS UNDER THE FAIR DEBT COLLECTIONS PRACTICES ACT. NO RESPONSE. SENT A SECOND PACKET ADVISING THAT LOAN SERVICER RESPONDS AND THEY HAVE NOT. THIS IS THE THIRD MOVEMENT OF THE ALLEGED DEBT. IM LOOKING FOR VALIDATION OF THE DEBT POINT BY POINT UNDER PENALTY OF PERJURY. THEY HAVE NOT RESPONDED TO MY INQUIRIES AND SILENCE IS ADMISSION OF GUILT.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (DE)

I had made a couple of purchases using PayPal credit ( Synchrony Bank ). These purchases are showing up on my statement but they are showing up twice on my statements. They are showing the original valid charge, but they are showing another charge the very next day for the exact same amount which is a duplicate. This has happened for 4 transactions. On my statements, the 4 valid charges are showing and then a day later from each of the 4, another charge for the exact same amount. Synchrony insists I was not double charged and I have tried several times to get them to resolve this, they have not and keep insisting I wasn't double charged despite the double charges appearing on my statement for a few months and also showing on their website. I believe they have something terribly wrong. They can tell me I wasn't double charged, but their bill to me shows me I was.
Consumer complaint received 2022-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arena Investors, LP (VA)

I received a collection notification of a resolution opportunity from NSA or North Shore Agency that was dated XX/XX/2021. They state in the letter that they represent " HOUSE '' as the Creditor with NSA ID # XXXX & Creditor Account # XXXX in the amount of {$350.00}. I do not have an account with HOUSE COLLECTOR and believe that this collection agency is attempting to fraudulently collect from me money that I do not owe. 

I tried to contact them at the phone number on the letter and when I enter my zip code and the account # listed on the letter, the automated voice states that the information entered doesn't match their records. I also tried to contact the company through other phone # 's available online but can not reach anyone. Please help me resolve this issue.
Consumer complaint received 2022-01-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I finance truck capital one XXXX and have problem paying due to unempolyment.They repossed the truck 2008.I just get dated XX/XX/XXXX account number XXXX. 
I think is 15 years old i should not get.
Consumer complaint received 2016-08-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

My wife divorced me 2 years ago. In the court papers the house was given to me until the end of XXXX at which time I had to have refinanced the house or sold it. The house was approximately XXXX to XXXX XXXX upside down. No one wanted to refi it or buy it. So an individual I knew did a loan modification for me and submitted it to XXXX. XXXX said that the modification was approved in XXXX of XXXX and the paperwork was fedexed to me. I never got the paperwork. In februrary I was sent a letter from XXXX telling me that the mortgage was sold to SLS. SLS acknowledged that the mortgage had been sold to them. I thought that meant the modification had been approved. Unfortuantely I was told that the mortgage had been foreclosed on by SLS and sold to a third party called XXXX XXXX XXXX XXXX. I was not made aware of this until a man showed up at the door at the XXXX and told my roommate that my home was foreclosed on and put on the acution block and sold to his company and he had put the utilities in his name as was ready to move in. I immediately contacted XXXX and they told me that as far as their records show the loan modification was still active and on the books. I went to court on Monday in XXXX and the judge dismissed the eviction notice and told the lawyer that he did not have any official paperwork to do the eviction, At that point the judge referred the matter to XXXX court for a hearing on XXXX XXXX at XXXX. 
Specialized Loan Service contact information is as follows : XXXX Co. XXXX XXXX Arizona XXXX The property address that is in dispute is : XXXX Arizona XXXX I a good deal of this was done without my knowledge. I continue to wonder why XXXX after not hearing back from me about the paperwork did not send a follow up letter of something informing me that it was sent. I went over to the XXXX bank several times to find something out.
Consumer complaint received 2016-11-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (FL)

On XX/XX/XXXX XXXX ( client ) was approved for a trial modification with payments to be made XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of {$450.00}. Client made all payments XX/XX/XXXX of {$450.00} ( proof attached ), XX/XX/XXXX of {$460.00} ( proof attached ) XX/XX/XXXX of {$450.00} ( proof attached ). Client then continued to make payments on XX/XX/XXXX ( this payment was returned ) She then received a letter stating that she was in default of the trial plan. I ( Housing Counselor ) assisted her in filing several complaints and escalated the issue with no solution. We had to reapply for another modification and this resulted in the ( attached ) trial and final with a payment of {$1100.00} to be made in XXXX and an interest rate of 7.5 %. This new payment is not affordable nor should SLS be denying the client a modification through HAMP as she never failed the trial plan payments.
Consumer complaint received 2016-02-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (NV)

PINNACLE CREDIT SERVICES out of XXXX Mn. reported a charged off XXXX cell phone on my credit. The cell phone is not and was never my cell number. Pinnacle is a debt buyer and transferred me XXXX. I informed XXXX that the cell number and bill are not mine. The Agent ( XXXX ) told me I need to file a police report. I asked if I filed a police report would that remove this account from my credit. She responded, " I do not know, I do n't have anything to do with credit reporting '' so, I asked what I should do to get this removed from my credit since it is not my account. she said she can validate my debt, by sending me the last couple statements. Unfortunately this does not solve anything. Validating the debt does not help remove a wrong account from my credit. The onus should be on XXXX to prove they legitimately opened this account. they should prove that they verified the social security number prior to opening account. XXXX then referred me back to Pinnacle. I called Pinnacle and they refused to speak to me about my credit report. they said I need to speak to XXXX XXXX XXXX. I explained that XXXX XXXX XXXX could help me. I told the woman at Pinnacle that they put this on their credit an I need them to tell me what I need to remove it and they said " sorry ca n't help XXXX '' and quickly transferred me back to XXXX XXXX XXXX. This is not my account and I want it removed from my credit. Pinnacle has an " XXXX '' rating with XXXX. they obviously do not care about doing the right thing.
Consumer complaint received 2016-03-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TSC Accounts Receivable Solutions (CA)

I received services from a medical group. The claims were paid by my health insurer. A year & a half later, TSC, a collection agency, billed me full charges for the claims, plus interest and penalties. I disputed the claims. I sent TSC a letter with a report from my health insurer 's subrogation company that verified that all claims had been paid by the insurer. I sent this certified mail with return receipt. The letter asked TSC to substantiate its requests for payment with written, itemized claims documentation. TSC has not provided any written, itemized documentation to substantiate the claims, but has continued to robocall my home & cel phone, send erroneous bills, demand payment with penalties and interest, and threatened legal action.
Consumer complaint received 2016-11-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: LAND HOME FINANCIAL SERVICES (IL)

The servicing of my second mortgage was sold to Land Home Financial Services XXXX XXXX as of XXXX XXXX, XXXX. It was under temporary modification and as of XXXX is now under permanent modification. Land Home Financial Services sent me a statement in XXXX XXXX indicating they have not received the payments I sent to XXXX Fund in XXXX and XXXX. They show my XXXX payment as a partial payment and show my monthly amount due as the amount before the loan modification. The XXXX payment is not reflected at all. I made the XXXX payment over the phone directly with XXXX XXXX and they do not show this payment at all. I mailed the XXXX payment ( due XXXX/XXXX/XXXX ) on XXXX XXXX, XXXX and as of XXXX XXXX, XXXX, they still have not cashed this check. I sent it to the address on my Hello letter under RESPA and they do not know where my check is. Land Home 's XXXX XXXX XXXX XXXX XXXX told me over the phone that Land Home 's computer systems can not handle temporary modifications. I know that modifications and the sale of loans and servicing are a regulatory focus to protect consumers and honor loan modifications. Finally, I have asked for a current principal balance of my loan and Land Home has not provided me this. Given my on time payments under the loan modification, all accrued interest and late fees are forgiven 25 % each of the first four years. That is why I want to ensure that my payments are being applied correctly. 
My contact at XXXX XXXX XXXX is XXXX XXXX, XXXX. 
Thank you for your assistance.
Consumer complaint received 2017-01-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (VA)

I reached out to Green Tree in hoping to get some answers on a home loan. I was contacted by XXXX XXXX in the XXXX, NJ office. I gave him my social security number, income, address and all necessary information to run my credit. 

He replied back to me with my credit score and that he would get back to me with a financial plan. 

I waited over 5 days to hear back from him, meanwhile the realtor is awaiting this information. I had to send him a follow-up email on the status. 

He stated, " Good luck, you will need it. '' I then got upset because his customer service skills were horrible. I advised him I would never deal with him or Green Tree due to his poor communication skills. 

At XXXX, he then sent me another email stating, " I truly apologize. I did n't like the tone of your email and gave you a nasty reply. It was childish and I was wrong. So I am sorry. I had a rough day, your email set me off, and I made a mistake. 

I thought we did try to help you. If I recall, you said there were items on the report that were n't yours. We sent you a copy of the report so you could see what was on there. We could n't do anything based on the report and your resulting income to debt ratios. So I thought we tried helping you by letting you know what was on there, and apologize if you think we did not. There 's nothing I can do to remove those items. You will have to get in touch with the credit bureaus to see why they were showing up. That seemed to be the main issue and you will have that issue with any lender, as those items will continue showing up on your report. 

Again, I apologize sincerely and hope you have a good night " I am writing you this email so you know what type of employee XXXX is. 

Thank you for your time.
Consumer complaint received 2021-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD (TX)

I was accepted into the XXXX XXXX XXXX Loan Repayment Program, through the Texas Higher Education Coordinating Board. In exchange for working five years full time ( as a XXXX XXXX XXXX ) at an approved facility providing XXXX XXXX XXXX  in a shortage area, my existing student loan would be repaid each year until completely repaid by the Higher Education Coordinating Board. 
I have fulfilled the requirements by working full-time in my position as an XXXX  However, there is still {$8000.00} + remaining on the loan balance because the Higher Education Coordinating Board had poor accounting practices, and accepted new applicants yearly without setting aside funds to adequately repay loans for applicants already in their program. 
The Higher Education Coordinating Board tried to coerce me into signing an additional contract with the Federal Government for loan repayment, but it was not an appropriate option as there were significant additional penalties and commitments attached. 
I have tried repeatedly to resolve this issue with The Higher Education Coordinating Board, as I am XXXX years old, have been through XXXX XXXX XXXX  and XXXX XXXX, but continued to work full time for five years to honor my commitment. 

The response of the Higher Ed Coordinating Board is indicative of Fraud on their part. Please help me to resolve this issue, as it is causing emotional distress.