davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-01
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC (IN)

On XX/XX/2018, we received a " Notice of Sheriff Sale '' from : Attorney XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, IN XXXX. He is fully aware of the procedural posture of the case involving this property which is currently on appeal to the United States Court of Appeals for the XXXXXXXX Circuit, XXXX XXXX XXXX, et al., v. XXXX XXXX XXXX, No. XXXX. He is also aware of U.S. District Court, XXXX District of Indiana, Chief Judge XXXX 's statement on the record with regard to staying any effort to hold a Sheriff sale pending the litigation of this case, briefing has begun. XXXX XXXX 's racial bias is a subject of this appeal. An appeal we note neither he or his firm have entered an appearance, or filed any motion seeking to hold a sheriff sale pending the outcome of the appeal. This litigation involves a claim that XXXX XXXX XXXX violated the Equal Credit Opportunity Act after we sought to assume the mortgage on this property, which after Attorney XXXX discovered we are XXXX, hindered our efforts to obtain the assumption. This latest effort by Attorney XXXX also violates the Fair Debt Collection Practices Act by threatening a Sheriff sale forcing us to pay a debt we do not owe ( and which we have been trying to assume ) before litigation, on appeal is concluded. He and his client XXXX XXXX XXXX, are attempting to deny our access to the court to litigate this matter by threatening a Sheriff sale.
Consumer complaint received 2018-06-30
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. (IL)

I obtained a copy of personal credit report on XX/XX/2018 from both credit bureaus XXXX  and Equifax. I noticed that some of my student loans through XXXX XXXX XXXX was on my report twice on Equifax. I wrote a letter asking them to verify and delete all double reporting that has had a great impact on my credit score because it made my debt well over {$160000.00}. Equifax investigated this claim. many accounts were taken off. Then when they sent my credit report I noticed that some of my accounts from XXXX XXXX XXXX was deleted that were still in good standing. As of XX/XX/XXXX both credit report reported that my student loans were included in an active Chapter XXXX, and or XXXX. I have submitted several documents that have proved that my loans were in fact in a forbearance never late. On XX/XX/2018 I was notified from XXXX XXXX XXXX that my consolidation was approved and what my payments will be. The loans on the XXXX report went into  paid/closed status. The late payment for XX/XX/2018 was never removed and I never recovered my points back.
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

In XXXX I sent a letter to Equifax to remove undeliverable addresses from my credit report. On XX/XX/XXXX, I received a letter from Equifax stating that the disputed address was removed. But when I receive current credit report the address still remains. The latest credit report is dated XX/XX/XXXX, and it is still listed on my report. Every time I request the information to be removed I receive a letter stating that it was deleted but it never disappears from my credit report.
Consumer complaint received 2018-05-31
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint because XXXX, Experian and XXXX  has ignored my request to provide me with the documents that their company has on file that was suppose to verify/validate the accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " Promptly delete all  information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (GA)

I did not receive my XX/XX/XXXX rewards check for {$150.00} from Synchrony Bank for my XXXX XXXX XXXX   purchases. I reported the matter several times by phone and in XX/XX/XXXX received a letter confirming my inquiry. I subsequently followed up about my inquiry numerous times by telephone and was told that the check would be issued but it was not. Finally I was informed by letter that the check that I never received had expired. I sent a formal complaint to the bank on XX/XX/XXXX about the run around I received about this matter. The bank emailed me a letter dated XX/XX/XXXX of their effort to resolve my inquiry in a timely manner. However, when I telephoned the bank several weeks ago, I was told that the only thing on record was that my letter complaint had been received but no information was available on its status. I think Synchrony Bank is still being intentionally unresponsive to this matter.
Consumer complaint received 2018-06-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FIFTH THIRD FINANCIAL CORPORATION (RI)

XXXX stores were in a lawsuit currently with the State of Washington and XXXX. The lawyer in charge of FBA properties for Temporary Receiver XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Find a case FBA Stores I have files with the FTC also as the products and services were not provided. Currently, there is NO communications between XXXX stores and the public. Case is in settlement currently. Were purchased a package with them that was to give us lifelong access to a warehouse and packaging company, resources to wholesale companies, a paid trip to a XXXX XXXX and 16 lessons to teach us how to sell online/XXXX. We had issues with the company from the start and tried to resolve them on our own. In XX/XX/XXXX the entire company closed without warning. We no longer had access to any of the things we had paid for. We had no contact with the company and all forms of communication with them was out of service. We heard of the attorney handling their case. they were being sued by State of Washington and XXXX for fraudulent misrepresentation and others issues. I filed with credit cards As soon as I knew any of this was happening. Since this was something that was out of my hands and unforeseen I hoped the CC companies would work with me to get some of my money back Since I no longer had the goods or services I paid for. XXXX XXXX was very unwilling to work with me to try and help me get any of my money back. I received a letter saying Sorry but the length of time since purchase has been to long. I made the purchase in XX/XX/XXXX and filed fraud dispute in XX/XX/XXXX. I am very unhappy and disappointed that this CC was not willing to try to refund even a partial amount of my cost. Just a big fat SORRY!
Consumer complaint received 2018-06-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

Borrowed {$13000.00} in XX/XX/XXXX Current interest Rate 8.500 % We were charged late fees while loan was on auto pay. Also, we were charged interest while loan was in forebeance. Currently, loan is now XXXX and will be paid off in XX/XX/XXXX. 
I am the Co-signer and would like to pay offf loan, however, Navient will only settle for the above loan amount. I need advice on how to negotiate or not at all? I understand the California Attorney General has filed against Navient. Another question, should I just wait before settling with them?
Consumer complaint received 2018-05-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX, Compass Bank withdrew {$1400.00} from my savings account with no notice. When I contacted the bank the next day, I was informed that they were withdrawing the funds and returning them to the IRS because an IRS refund for my father, XXXX XXXX, was deposited into my account. The representative with the Fraud department at Compass Bank explained that because the name of the individual for whom the refund was for and the name on my bank account did not match. The representative also explained that someone from Compass should have reached out to me and provided me the opportunity to prove the refund did in fact belong to a family member. I was never provided this opportunity. The individual I spoke to on XX/XX/XXXX confirmed that no such attempt was made. When I asked if I could still provide the necessary documentation at a local bank and have my father verify he had in fact asked me to process the refund into my account, I was told the funds had already been returned to the IRS. The representative stated she had left a message for the investigator assigned to my account to contact me. No one ever contacted me. 

My father has reached out to the IRS on multiple occasions in an attempt to locate his refund. On XX/XX/XXXXa representative at the IRS stated that the IRS had not received the funds from Compass Bank and that they would perform a trace to try to locate the funds. 

On XX/XX/XXXX, I contacted Compass Bank again and spoke to XXXX in the Fraud Department. When I told her the IRS had stated they had not received the funds, XXXX explained that Compass had not returned the funds as they previously stated, but instead had been holding on to them until they could return all funds collected from all customer 's bank accounts at one time. Today, XX/XX/XXXX, XXXX initially stated the funds had not yet been returned to the IRS. She then amended her statement, explaining the funds have already been returned. At this point, I do not have any means to confirm the funds were returned to the IRS. 

Both my father and I have spent an great deal of amount of time trying to track down his refund. If Compass would have reached out to me as they should have, I could have resolved this issue the same day. But, no one ever reached out to me. I have been lied to and my account has been grossly mishandled. I completely understand that Compass must comply with the IRS request, but they never afforded me the opportunity to resolve the situation as they should have. The IRS agent my father spoke to on XX/XX/XXXX stated that if we would have been able to clearly identify the refund and prove ownership and that it was not fraud, Compass Bank would not have needed to return the funds. They could have been released to me and/or my father.
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Receivables Performance Management, LLC (GA)

I had an outstanding balance on an account with XXXX XXXX. My services was disconnected due to hardship. Once I got back up and running on my feet I had my services reinstated. By time that I did XXXX XXXX  had my outstanding balance with a collection agency. I proceeded to speak with a customer rep through XXXX XXXX   and they told me they can reclaim my account back from the collection agency and I can restart my services which I did. They proceeded to tell me that my name will be removed from this company and out of there system. As of today this company is still reported on my credit all they did was update my balance to paid in full which I did not pay them a dime. When I spoke with a representative from receivable performance they told me that the rep that handle all of my info with XXXX XXXX gave me false information and they wasn't going to delete it. I hate been told false information if that was true that should not have been told to me.
Consumer complaint received 2018-06-29
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: Experian Information Solutions Inc. (GA)

I am writing to inform you that I have several items reported on my credit file that I have no knowledge of and is not mine. For one : : XXXX XXXX ( XXXX ) {$300.00} XXXX XXXX ( XXXX ) {$30.00} XXXX XXXX {$580.00} * these accounts are fraudulent and should not be reporting on my credit file. I have never had any service with XXXX or XXXX XXXX. 
* As a customer, customer are not allowed to have several accounts, I am curious to know why there are two accounts from the same company reporting on my file.

* The mishandling of this information is a breach into my file.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX 0 % paid off Balance {$1400.00} Balance updated XX/XX/year> Original balance {$1400.00} Account info Account number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2024 {$15000.00} Needs Attention Overview You have 100 % left to pay on this real estate loan. 
Balance $ XXXXXXXX  Monthly payment Opened Term Highest Balance {$1600.00} {$0.00} XXXX XXXX, XXXX  ( XXXX mos ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX details 0 % paid off Balance {$7400.00} Balance updated XX/XX/year> Original balance {$7200.00} Account info Account number XXXX Date opened XX/XX/year> 2024
Consumer complaint received 2018-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA (NY)

Received a phone call from XXXX ( XXXX ) XXXX about renewing my income driven repayment plan with XXXX, which I have not done so forXX/XX/2018 so this made sense I would receive such a phone call. I called the number back, they asked how much debt I had, income, dependents, family size etc, with no verification, correspondence in the mail, or any such preliminary warning of renewal. I was then asked to remit payment of roughly {$270.00} at the time of the phone call in order be placed into the new plan. Red flag number 1, my income has nearly doubled in the past year, and they want to cut my payment in half? Ok ... .Next red flag was when I asked for a letter explaining the program and its features and cost of interest etc to be mailed to my home, they said nothing is done via mail and I also can not remit the payment via XX/XX/XXXX, it had to be over the phone and that they are not associated with XX/XX/XXXX. A third red flag, no introduction or name of the representative helping me. I work at a bank, federally regulated, in the Compliance department, we see scams all the time ... .When I explained I thought this was a scam, the " representative '' told me I should have said that 10 minutes prior, and not wasted both peoples time. I haven't been spoken to so rudely by any financial representative in the past, sounded like an upset scammer who got duped!!!
Consumer complaint received 2018-06-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

i've tried numerous times with navient to pay student loans. I have been unemployed a few times over the years, and when I have made minimal money, Navient has claimed they would help me as a pay as I go or Repaye, however, because my wife and I file jointly, we " make '' enough money to be able to pay the rates, however when they say {$500.00} per month, that is absurd and nearly impossible with a house payment, car payments, living expenses, card payments and to take care of two daughters, one which has special needs, and the other is an infant. When I have said I can not pay it, they have put it on deferment or forbearance, however I apparently have used all the time for both options, so I have no alternatives but to pay minimal {$100.00} every other month or so until I have a steady source of income.
Consumer complaint received 2018-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

In XX/XX/XXXX I contacted my mortgage lender to explore my options about removing my private mortgage insurance. My original mortgage was taken in XX/XX/XXXX. I refinanced in XX/XX/XXXX to a 15yr note. I have had my mortgage for 7 years. I have never had a late payment and on a 15 year note Im building equity quickly. I was told in XX/XX/XXXX that my PMI was scheduled to be 'rolled off ' in XX/XX/XXXX and that I could opt to pay for an appraisal if I chose to cancel it right away. The gentleman on the phone was calm and explained everything. I chose to pay the PMI until XX/XX/XXXX rather than incur the expense of an appraisal. After I made my XX/XX/XXXX payment I expected my XX/XX/XXXX payment to reflect the changes that this gentleman explained to me, however they were not. I made several follow-up calls and was told this same story regarding my PMI being rolled off in XX/XX/XXXX. This afternoon I spoke to a very courteous customer service person who explained to me that this is not the case and that I would be required to pay mortgage insurance for the NEXT THREE YEARS due to the fact that my re-fi is less than 5 years old, or pay for an appraisal from their recommended appraiser. However, if the appraisal came back at less than my original mortgage amount I would have to rely on this new LTV. They are in breach of contract and I don't know where else to turn. I just want out of my PMI, and my escrow account closed. I have never had trouble making my mortgage payments and just I wish to exercise this option as it was explained to me - when I have achieved less than 80 % LTV and had no late payments in 24 months. They are abusing our contractual relationship by imposing arbitrary and capricious terms.
Consumer complaint received 2018-06-29
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: Rent Recovery Solutions (MD)

I have submitted the required documents several times, also cited the FCRA 605B protections for identity theft victims and still XXXX fails to comply with the law. I was a victim of identity theft and a few companies refuse to stop reporting unless I pay them I filed a police report and sent to all CRA and both XXXX and XXXX blocked the fraudulent information per FCRA 605B. XXXX continues to file disputes with the companies that always come back verified with no documentation. This is my final attempt and I will also include an intent to sue XXXX if they continue to report false info on my credit.
Consumer complaint received 2018-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (AZ)

I have communicated with this organization numerous times demanding to see the proof this contract was opened by myself, to which Citibank has responded with a list of purchases, payments, and balance owed, as well as the opening of the said account, all of which I did not perform, written, online, or otherwise. 

I filed a complaint here with CFPB on XX/XX/2018 in this regard, and Citibank replied falsely stating they sent me proof of the account. As I never opened an account with Citibank, nor agreed to any contract with such organization, I owe them nothing except a complaint here on this forum, as well as a possible suit for fraud. 

I demand the debt said to be owed to Citibank by myself be removed as it is not mine, and for an investigation to be started in regards to my sensitive information being stolen by Citibank as it was clearly not authorized by me, and any derogatory information relayed to credit reporting agencies to be removed/redacted as I never opened this contract or account with Citibank.
Consumer complaint received 2018-05-30
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. (GA)

I have disputed the debt being reported by XXXX XXXX XXXX XXXX with the company and credit reporting agencies. 

For Collections Account : XXXX XXXX XXXX # XXXX They have not provided proof of debt or any records and have continued to violated FCRA 15 U.S.C 1681
Consumer complaint received 2018-06-29
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PHH Mortgage Services Corporation (NY)

Creditor name is PHH Mortgage Services We were traveling overseas during the months of XXXX and mid XXXX, 2018 and  were not aware that our XXXX payments, sent automatically from my XXXX XXXX XXXX account as a Bill payments, had been returned. However, upon realizing this mistake in late XXXX, I made several attempts to remotely solve the situation : - I sent another 2 Bill payments ( {$1500.00} and {$1700.00} ) from my bank in late XXXX that were deposited and CLEARED my account on XX/XX/XXXX, XXXX. However, unbeknownst to me, PHH FAILED TO CREDIT THESE PAYMENTS TO MY ACCOUNT. 
- Upon realizing that the payments had been returned I called PHH around XX/XX/XXXX and attempted to make a phone payment but the representative told me the account was blocked and I could not do so. 
- I then spoke to several people and asked to speak to a supervisor to see if I could send the payment electronically via a wire or ACH but was told that my account was blocked and that I could only pay with certified funds. 
- I then proceeded to send a wire to a neighbor for {$5500.00} and I asked him to go to a branch in person and pay the loan at a cashier, assuming that cash was certified funds. However, upon arriving at branch he was told that cash was not an acceptable for of payment.

- At this point I decided to cut my overseas trip short and return to the USA myself to deal with this situation. 
Now my credit file is showing 30 days late for XXXX and I'm unable to obtain a mortgage for a new home despite having made EVERY effort to pay PHH on time. I tried, they refused.It almost seems like they didn't want me to pay, crazy ...