davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: AMERICAN EXPRESS COMPANY (NV)

There is an old debt from XX/XX/2011 that XXXX and XXXX, XXXX. ( XXXX. XXXX XXXX XXXX, MN XXXX ) had filed and sued me in another State without my knowledge to complaint. The debt is too old for law to allow for any sued to be done now. They constantly send people to my ex-wife 's house or call my number or my ex-wife 's house threatening with wage garnishment or collections. I have had nemours conversation with them to stop harassing my kids and my ex-wife but the harassment continues. I just want the daily calls to my family to stop.
Consumer complaint received 2019-07-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (AZ)

payments were arranged after account was closed to start paying off the debt at an amount i could currently afford- {$20.00} ; creditor went into bank account after payments were arranged and took {$510.00} completely over drafting my account by {$490.00} and refused to return the money ; this transaction was completely unauthorized.
Consumer complaint received 2019-02-20
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Kentucky Housing Corporation (KY)

I refinanced my house in XX/XX/XXXX. Kentucky Housing Corp. reported that I was late the payment for that month. The loan was paid off in XXXX. I called KY Housing and talked to them about what was on my credit report. I was told to dispute what was on my report and they would fix it. Well XXXX was fixed but they reported me late for XXXX XXXX. The loan is paid off so they shouldn't reporting anything on my credit report because the loan was paid off in XXXX.
Consumer complaint received 2018-10-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

We ( my wife and I ) entered into a 2nd mortgage with a company called XXXX XXXX XXXX XXXX ( XXXX ) in the year XXXX. Since we did not consult a lawyer as we we did with our first mortgage ; we believed that the promissory note we signed was an adjustable rate, revolving line of credit due to mature in the year XXXX. The amount of the Loan was for {$31000.00}. What bothers us ( my wife and I ) ; is that we've never missed a payment ; and some months ' we paid more than the minimum payment and we owed around XX/XX/XXXX, {$2700.00}. We should have paid off this loan long before the maturity date. We never received a satisfactory letter ; instead we continue to see the balance owed to XXXX in XX/XX/XXXX increase and increase, for example the balance due was {$32000.00}. 

After doing some research we recently found out that XXXX was sued for millions of dollars for cheating their customers by not applying monthly payments properly ( example XXXX was packing un-necessary fees on the loans, placing multiple points totaling Thousands of dollars on top of double digit interest rates, adding fees on the back of the loan ), result ; one would never pay off their predatory loans. We never part-took in the spoils from this lawsuit. Instead we faithfully kept paying our monthly payments to this predatory company XXXX because our house which we paid off for ( 1st mortgage ) could go into foreclosure with the 2nd lender ( XXXX ) which claimed that we still owed on approximately {$21000.00} as recent as XX/XX/XXXX. 

We were bounced around in house between XXXX and XXXX who were acting as each other 's Servicer to the tune of hundreds of thousands of dollars. Now entered XXXX XXXX XXXX ( SPS ) ; claiming to be the new Servicer and to start sending monthly mortgage payments to them as  of XX/XX/XXXX. We ( my wife and I ) stopped making payments to-date ; enough is enough!, as we saw these payments as a life sentence with no end in sight. Now, SPS is sending us monthly mortgage statements telling to pay {$190.00} so that they can forebear from foreclosure. 

We stopped because we think we were and still is being de-frauded by these companies. We plan to sue SPS if they continue to harass us with telephone calls and their fraudulent statements. 

.
Consumer complaint received 2019-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (MD)

I have been receiving phone calls since at least XX/XX/2019 from an automated system that says they are from PayPal. There has never been any voicemails left or any type of communication via the mail or email. They are apparently trying to collect a debt in the range of {$7000.00}. I do not owe PayPal any money and the entire scenario makes no sense at all. I am unaware how a person would be able to get in debt considering that a person can only use whatever amount they have in their PayPal account. If there is no money, then no purchases or payments will be processed! I blocked the number, XXXX, because they call throughout the entire day, starting at XXXX EST up until XXXX EST. Also, PayPal is all automated and website based, so it is almost impossible to actually speak to a real person! I am being harassed constantly and it has been going on for months! This needs to end!
Consumer complaint received 2019-02-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Hi, I have a very urgent matter once again due to a foreclosure sale on XX/XX/2019. I applied for a loan modification to Bayview Loan Servicing , LLC numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing , LLC to ask about any status or updates for the loan modification and a status on the loan modification I get nowhere. I call in, the phone system asks for my social security number or my loan number, I put in the loan number and or social security number, it rings couple of times and then it goes straight to a common voicemail. It says thank you for calling the underwriting department please leave a message or set up a time to call you back. Ive tried multiple times to set up the call back and never got a callback and the other times their phone system just hung up on me. I would try this couple more times at different times in the day and get the same results. These are the numbers I have called to get in contact with anyone at Bayview Loan Servicing , LLC : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all and each phone number has the same process. As soon as I input my loan number it seems like their system registers my loan number and does not transfer me to a live person at Bayview Loan Servicing , LLC but transfers me straight to a voicemail. I feel like this is international so that I would not be able to speak with any of the Bayview Loan Servicing , LLC representatives and to prevent me from getting a loan modification. This feels like a very big problem that they do this. I can not speak with anyone regarding my loan thus iam not able to know the status of the loan modification and I can not move forward. In the past I had this issue as well and it has not been addressed. In the past this has happened multiple times on multiple days and each one does this until I clicked the number 0 for a very long and tedious process I finally got someone. But now it does not work and it goes straight to a voicemail which even after leaving voicemails to be called back I never get any call backs. If Im not mistaken Bayview Loan Servicing , LLC is in violation of my Homeowner Bill of Rights. Seems like they do not want to help me but to just sell my home.
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

This is the 2nd complaint about the credit bureau I am having hard time with experian report there's a free things reporting to the credit bureau and they refuse to remove it the only thing should be in m y credit report should b e my loan for my car payment XXXX XXXX co l Account # XXXX Address is XXXX XXXX XXXX XXXX, fl XXXX -- -- - this is not my account i never open a XXXX account please i asked them for proove nover was sent to me its been 60days. 

XXXX XXXX XXXX XXXX Account XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone # XXXX XXXX XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX XXXX, PA XXXX Amount {$760.00} XXXX XXXX was deleted from XXXX  & XXXX which i sent a copy of the letter i received from the company XXXX XXXX Experian still not removing this from my account XXXX XXXX XXXX XXXX the all one company different name i recieved letter from them account was delete but the credit bureau never remove them.
Consumer complaint received 2019-07-13
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (WA)

Student loan is my son 's responsibility. His late payments have affected my credit score. Navient continues to harass me. They ask personal questions ( they do not have the right to know certain information ). 

I have given them my son 's contact information. I do not want them calling me at all times of the day. 

Navient has had access to my credit scores and have lowered my credit score.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On my credit reports with each company they show a Repo for my car with XXXX XXXX XXXX. This car is in my possession. I am trying to work on my credit but this is holding me up from jobs and everything. I need this addressed and fixed please.
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) I have already called XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue, but have been unsuccessful. This negative reporting is harming my credit score.
Consumer complaint received 2019-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (AZ)

This is a response to Case XXXX. I did not respond because I was working on getting a lawyer  on the case. Nothing about the response said anything. The Comenity Bank response supported that they created 3 accounts on my credit in XX/XX/XXXX and are continuing to collect on fraudulent charges on the ComenityCB/HSN  account. They are doing this with harassing emails to my wife  who was just using our existing credit to purchase items from HSN. My wife   and I have **never** applied for any Comenity Bank credit and I stand by that firmly. I will not pay $ 2000+ for fraudulent charges on a fraudulent account when I know fraud occurred. I know someone was getting into my mail and I have not had any problems with fraud since I changed my mailbox key. I did file a police report. However, Comenity is directly at fault for the fraud. Comenity Bank has not yet showed evidence that I applied for the account but instead dodges the question. XXXX has supported the fraud. According to Comenity, after I disputed the charges end of XXXX with Comenity, they closed the account then opened a **new** account in XX/XX/XXXX. **I never asked for a new account**. Immediately, I closed the account over the phone via their automated system. The account was closed by XXXX  and XXXX but was never closed by XXXX. XXXX continued allowing Comenity to report status as if I was paying on it even though I had not paid on the account since we had the dispute end of XXXX. XXXX falsely reported late charges on the account end of XXXX. Since I stopped disputing with XXXX, they finally closed the account middle of XXXX like a slap in the face for trying. This is a case of identity theft, false reporting, intentional harassment, and unenforced consumer protection rights. I am not paying Comenity Bank for fraudulent charges on a fraudulent account. I have reported this to a lawyer. This has affected my credit and my ability to use credit for things I would like to use if for. This has affected my life and the lives of my family.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX does n't want to delete all the negatives collections and Unauthorize hard inquiries and negative accounts that are closed after Bankruptcy Chapter XXXX after it was discharged by Federal XXXX, Texas on XX/XX/XXXX,2016. There should n't be no negatives like collections or creditors open accounts like XXXX XXXX credit cards, all account on credit reports should be deleted. The only creditors that should be displaying on my XXXX, XXXX, Equifax should be XXXX XXXX XXXX and XXXX XXXX XXXX. All other creditors was included on bankruptcy chapter XXXX and XXXX data should delete all discharged creditors. XXXX is in violation of my ADA Disability Act Civil Rights under the Department of Justice and Federal Bankruptcy Laws.
Consumer complaint received 2018-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (IN)

The debt collection company Harris and Harris out of Illinois was given a medical account from XXXX  XXXX XXXX XXXX in attempt to collection that debt from me. The total amount due was {$710.00}. On XX/XX/XXXX I contact Harris and Harris negotiated a settlement of this debt at a 20 % discount if I paid it over the phone with them immediately. Which I agreed to, gave them my credit card information and paid the negotiated amount of {$570.00} and was told that account with them was settled and would be closed out. 

Since the XX/XX/XXXX date I've received 3 different invoices from Harris and Harris stating my outstanding balance with them is {$140.00} ( the 20 %  discount amount ). I've called them numerous times about the outstanding balance being inaccurate, each time they confirm that the account is settled but was " not properly closed out ''. That is why I am still getting invoices. I also continue to ask about credit reporting and they said No,  this account is settled so it would not be reported. 

Fast forward now to today XX/XX/XXXX, I received an alert on my credit report stating that my first debt collection account has appeared from Harris and Harris on my report showing outstanding balance of the {$140.00}. I again called Harris and Harris today and the assure me the account has been settled as of XX/XX/2018 but wasn't properly closed out. The same message they've been giving me since it was paid. 

I am at my wits end because I am still getting invoiced, now it is on my credit report ( which I am disputing ) but I can not get Harris and Harris to  properly handle this matter and close out my account. I've attached the invoice details, and a copy of the line item from my credit card statement showing payment on XX/XX/18. 

Details on Harris and Harris Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2017-06-29
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. (CA)

They have informed me that they verified the accounts listed below : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX However, they didnt give me any verifiable proof ( have my signature inside ) to prove that these accounts belong to me.
Consumer complaint received 2019-07-12
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: EQUIFAX, INC. (NY)

The inquiries listed below were not made by me. They are the result of someone falsely and fraudulently using my social security number to pull my credit without my permission. These items must be deleted immediately. The car dealerships have been calling me and that's how I was informed. 

1 XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX 2 XXXX XXXX Inquiry from XX/XX/XXXX 3 XXXX Inquiry from XX/XX/XXXX 4 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 5 XXXX Inquiry from XX/XX/XXXX 6 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7 XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX 8 XXXX XXXX XXXX  Inquiry from XX/XX/XXXX 9 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10 XXXX XXXX  Inquiry from XX/XX/XXXX 11 XXXX Inquiry from XX/XX/XXXX 12 XXXX   XXXX Inquiry from XXXX XXXX, XXXX 13 XXXX XXXX Inquiry from XX/XX/XXXX XXXX 14 XXXX   Inquiry from XX/XX/XXXX 15 XXXX Inquiry from XX/XX/XXXX 16 XXXX Inquiry from XX/XX/XXXX 17 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 18 XXXX XXXX Inquiry from XX/XX/XXXX 19 XXXXl XXXX Inquiry from XX/XX/XXXX 20 XXXX Inquiry from XX/XX/XXXX 21 XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 22 XXXX Inquiry from XX/XX/XXXX 23  XXXX XXXX  Inquiry from XX/XX/XXXX 24 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 25 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 26 XXXX Inquiry from Apr XXXX, XXXX 27 XXXX   Inquiry from XX/XX/XXXX 28 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 29 XXXX XXXX   Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-10-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (IL)

I accepted a payday loan of {$300.00} from XXXX XXXX XXXX on XX/XX/XXXX this year. When I accepted the loan I was told that {$360.00} would be the total amount I would pay back. I have payed approximately {$280.00} of the {$360.00} amount I was told I needed to pay back. After receiving an advance notice of an upcoming {$96.00} withdrawal scheduled for XX/XX/XXXX, I took a close look at my current principal balance and saw that my {$280.00} payback amount had only reduced the balance from {$360.00} to {$330.00}. I found that most of my payments had covered finance fees undisclosed at the outset of the loan. Some of these fees were in as high as {$85.00} per {$15.00} borrowed. At such an interest rate, I would have to pay them more than {$3000.00} in total for my {$300.00} loan, which I can not afford. Shocked, I did some research on XXXX XXXX XXXX and discovered that they are not licensed to conduct business in the state of Illinois ( where I live ). In addition, their finance fees are far in excess of Illinois laws that cap such fees at {$15.00} per {$100.00} borrowed. Illinois law states that loans from lenders who conduct business without a state license or whose interest rates violate state law are null and void. Im wondering what actions I ought to take next. Ive already talked to my bank and had them deauthorize the automatic withdrawals from the lender. Im worried about collection agencies that may try to collect a debt on a loan thats void under Illinois law.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

To whom  it may co ncern, Navient reported my account as  90 to180 past due which is inaccurate information. I have been on a repayment plan with nav ient for years now and was advised any late payments would be removed. Please update my credit reports reflecting this nevative information.   XXXX  Account #  XXXX  Dates :   XX/XX/XXXX  &  XX/XX/XXXX  -  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  - XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  & XX/XX/XXXX  - XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX
Consumer complaint received 2018-10-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (OH)

On XX/XX/2018 I signed a 12-month lease with XXXX XXXX XXXX   XXXX. On XX/XX/2018 my cosigner went to the leasing office to pay the pro-rated last months rent of {$700.00} to cover the remainder of the lease obligation through XX/XX/2018 as instructed by the leasing agent. He was assured that this amount would satisfy the account. On XX/XX/2018 I vacated the property and returned keys to XXXX. XXXX checked our file, assured me that my account was satisfied and that I would be receiving my deposit back by mail. She confirmed our forwarding contact information was correct and I left. 

On XX/XX/2018 I received a letter from Fair Collections and Outsourcing attempting to collect a debt on behalf of XXXX XXXX XXXX XXXXXXXX in the amount of {$150.00}. This is the first time I have been contacted regarding any debt owed to XXXX XXXX XXXX XXXXXXXX. I have not received any notice either by phone or written by post or email regarding any debt much less a delinquency. The letter did not give any detail or itemization of charges, nor have not received my deposit as promised by XXXX.
Consumer complaint received 2019-07-13
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: EQUIFAX, INC. (MS)

There are fraudulent accounts on my Equifax report resulting from identity fraud. I have tried to work with them as well as the creditors to have these items removed. Even with companies requesting a removal, Equifax refuses to remove the XXXX XXXX XXXX and XXXX XXXX accounts from my report. These accounts have already been successfully removed from my XXXX and XXXX  reports.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is incorrectly reporting me as an Authorized User on XXXX card ending in account # XXXX. I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User and XXXX and XXXX have removed this from my report but Transunion has not. I have contacted the bureau to fix this issue but they have not fixed it yet. The negative information is harming my credit score.