davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (AL)

I was told by XXXX that my students loans were eligible for.complete forgiveness. Instead they got consolidated and sent over to another servicer. I was not aware of this information that my loans were transferred instead of forgiveness. I looked on the FSA website and showed all my loans were paid in full. Well in XX/XX/XXXX l get a letter stating that my loans have been consolidated and that l needed to make a XXXX loan payment on the XXXX of XXXX. I called MOHELA and told them I was not aware that l had consolidated my student loans and that l was on a fixed income l only receive XXXX a month from Social security they did not care about what my financial status were. They reported it to the credit bureaus that l owed XXXX and caused me not to be able to get my home refinance because l had this big student loan debt. I have called to see if they would changed the status as paid or delete it off my credit in order for me to get this loan for my home to get refinance. They told me no one representative name XXXX and XXXX representative both got smart with me and said why did l borrow the money knowing that I couldn't pay it back. That l had no intentions of ever paying it and that they would note my account refusal to pay loan and make sure that l don't get my home refinance. All l was asking for was a good faith deletion. I am XXXX XXXX XXXX l am on a fixed income. My home is falling apart l have no heat no air. I need a new roof from storm damage my insurance company wouldn't pay for it. I have rotted poles on my home. This is why l was trying to get my home refinance because of the information on my credit making my debt to ratio too high l can't get my home refinance. I am asking for help to see if l can get a good faith deletion of the MOHELA student loan on my credit which is inaccurate and was transferred to them without my knowledge instead of being forgiven or cancelled as promised. I am asking for a relief or this to be granted immediately. They are not willing to help only to tell me there's nothing they can do about it. But to pay my account off to get the loan. Are they serious if l had the money to get my house redone l wouldn't be asking them for a good faith deletion l would pay the account with no problem.
Consumer complaint received 2021-03-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (AZ)

This case was with XXXX XXXX XXXX.The complaint was handled by The FCC case numbers are # XXXX and # XXXX XXXX issued a credit of XXXX on XX/XX/2021 at XXXX ; XXXX XXXX.This was described as a bundle done inappropriately as landline phones, mobile phone, cable, internet of which 2 internets were billed and only one could be used. This is in The Executive Resolution Department of the carrier and I don't believe that this collection company Credit Collection Services has any idea of what is going on. Someone sent them a bill and was not in Executive Offices.
Consumer complaint received 2019-10-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

In XX/XX/XXXX I co-signed a Mortgage Note with XXXX XXXX for a home at XXXX XXXX  XXXX XXXX, XXXX XXXX   FL, XXXX. 
After some time, in XXXX XXXX, we agreed that I release interest in the property and signed a Quit Claim deed specifying her as the sole name on title. In XX/XX/XXXX XXXX XXXX Applied for a Loan Modification claiming she was experiencing financial hardship. The Loan modification was granted and my name was included on the Modification agreement. I did not sign the agreement, and was against granting the agreement as I was not in financial hardship. I wrote XXXX XXXX at the time to inform them of my disagreement but the LM was granted anyway, with my name still on the Note. I have requested my name be removed from the LM as I was a victim of Identity theft, as XXXX fraudulently supplied XXXX with financial information about me that was false. I have reported this to the appropriate Police agency and Identitytheft.gov. XXXX subsequently sold the Note to Select Portfolio Services. They were informed of the identity theft but refuse to remove my name from the Note. As an aside, all three Credit bureaus have removed the Loan from my credit report. I still feel subject to XXXX failing to keep account of the note and damaging my credit.
Consumer complaint received 2019-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc. (DE)

Disputed through XXXX, Debt was removed by the investigations findings. 
State Collections added it right back a few days later. 
Disputed through XXXX. Same thing deleted from account and the collection agency added it right back. 
I did follow up with each, deleted by both credit reporting agencies and added back a few days later. 
My reason for the dispute is because I was never notified of a collection company. I found it by checking my credit report. Through the dispute I found it to be hospital bills for several XXXX and hospital stay for XXXX 2 days. 
Then disputed the amount claimed by collections that I owed. 

The dispute was for the collections amount of {$1200.00}. Last reported XX/XX/2019 Then the same collections company added another collection for {$1100.00} Last reported XXXX XXXX same date. 
Now State Collection Service says I owe them a total of {$2400.00} I have been paying XXXX, the hospital regularly every month and the balance owed is {$900.00} not the {$2400.00}. Apparently the collection service is going to try to get me to pay them a second time for the hospital services. 
XXXX hospital refuses to tell me rather they sold my account to State Collection service. XXXX told us back when we started making payments that they dont send out statements after 90 days. So my wife kept track of what she paid leaving todays balance of {$900.00}. When I found out there was collections reported I called the Hospital to ask if they sold the account to State collections or if state was acting as a collection resource on their behalf. The Hospital refused to answer that question which makes me even more nervous because I might have to pay the same bill twice. We used checks to pay them so proof of payments can be gotten from the bank. The amount starting was {$2900.00}. The difference is the payments we made to XXXX in the 90 days before they sent the balance to State collections. The hospital said that the turn all bills owed after 90 days to collections. They said they sent a contract for payments to be made monthly which we never received. But, we made payments because we knew we owed them even without statements. As my credit report shows all of my other payments for car loans, credit cards etc. are marked monthly as paid on time.
Consumer complaint received 2019-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I have had an account with PayPal for many years. More than a decade, if I recall correctly. 

My PayPal account is linked to a checking account that PayPal draws from. 

I currently have a balance of approximately {$10000.00} in my PayPal account. 

Three days ago, I attempted to transfer {$9800.00} from my account to the linked checking account. The transfer was denied. I then attempted to transfer funds to another linked checking account, also denied. I attempted to transfer funds to each of three linked debit cards, all of which were also denied. 

I repeated these efforts on the following days. 

Today I called PayPal and was told that there is an unspecified security hold on my account, as a result of which I am not allowed to transfer my own money out of it, ever, to any of the bank accounts that are linked to it. I can only use it to buy things on PayPal, send money to others, or withdraw cash at ATMs up to a limit of $ XXXX a day ( and subject to the {$3.00} transaction charge imposed by ATMs ). Thus, what should be an instant online transfer will take me 20 separate trips to the ATM and cost me {$60.00} in ATM transaction fees over the next ten days. 

PayPal will not give any reason why it will not allow me to transfer money out of my PayPal account, and tells me that there is no solution.
Consumer complaint received 2019-10-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

received frequent calls. I told them the debt was settle out of court by their lawyer and that they need to contact their lawyers. they still call my home and they file a false report with credit bureau saying the account was delinquent. i have proof the account is up to date in payments. the payments are made directly to their lawyer as agreed upon.
Consumer complaint received 2019-10-16
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. (GA)

I was a victim of identity. And due to the identity theft I fell behind on my auto payments. I fell behind 27 late payments but now I am current and ahead of my scheduled payments. And I only have 7 more payments left on my auto loan and the late payments are making it hard for me to get a house or better job or even auto insurance. The account is mine, however when I became a victim of identity theft I wasn't able to keep up with the payments and as of right now I am ahead of my payments and I am all caught up and make it on time payments. I really need those late payments taken off that was due to identity theft. The criminal is now in custody and I informed XXXX XXXX about the situation and they are not willing to abide by the identity theft affidavit or police report. Thank you in advance. 
I was late XX/XX/XXXX to XX/XX/XXXX and the payments were $ XXXXmth The second company was XXXX and was late only 3 payments. 
I was late XXXX, XXXX, XXXX XXXX
Consumer complaint received 2021-03-14
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. (IL)

The Credit bureaus seem to throw my letters out or do not do anything on my file. I have late payments that are not true. I want the inquiries I did not authorize removed. I have several accounts that do not belong to me. My addresses are wrong as well. I am attaching a letter of explanation.
Consumer complaint received 2019-10-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

***On XX/XX/XXXX we closed on our home with XXXX XXXX XXXX with our closing statment/HUD having a monthly payment of XXXX ***In XXXX I received a letter that Lakeview Loanservicing had bought the loan, our first payment was due XX/XX/XXXX in the amount of XXXX and change. 

***On XX/XX/XXXX my mortgage cleared for XXXX ***on XX/XX/XXXX my mortgage cleared for XXXX ***On XX/XX/XXXX I received a letter that my mortgage was passed due on a companies letterhead I had never heard of. I called and spoke with them, was told they own Lake view and my mortgage was never XXXX is is XXXX. After an hour on the phone I was told that they found the error, it was on their end. Everything would be fixed on XX/XX/XXXX. 

***On that following Monday I was called at work and told that I was past due on my morgage. Again took approximately 30 min she found the issue, said until XX/XX/XXXX I will get daily robocalls that my mortgage is past due. I told that Can not happen as I am at work everyday. 

***The calls stopped until XX/XX/XXXX, wherein I was told that my mortgage was past due as they applied my payment to my escrow account. I asked why, she said she had no idea. Placed me on hold after 30 minutes I was disconnected and was unable to call back. 

**At this point I don't know what to do, while I have never missed a payment or paid short, they continue to harass me with a different issue each month
Consumer complaint received 2019-05-22
Product: Credit card or prepaid 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 (MD)

I asked capital one bank that they had a problem with their online banking system to pay my bill but I got penalized for their mistake and they restricted my account from making purchases then i was told by a supervisor that the restriction might be taken off never happened at all I been with them for 4 years quick silver credit card
Consumer complaint received 2019-10-17
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-10-23
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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2019-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OR)

I purchased a new motorcycle on XX/XX/XXXX of 2019. To finance this account I was given a XXXX credit card issued through citibank. In XXXX I cancelled my extended warranty and a check for {$690.00} was sent to the credit card company. The check was confirmed as having been cashed by citibank and the motorcycle dealership but after nearly 5 months they still have not credited my account. Both the motorcycle dealership and I have been in contact with citibank. After opening a case online clearly outlining that I was looking to have this {$690.00} credited to my account, they instead investigated the full charges to my account and determined that the charges were " valid '', which was neither the problem nor what was clearly stated as the discrepancy in the email communications I sent them. The follow first communications I sent them said : On XX/XX/XXXX of 2019 a check was sent from XXXX XXXX refunding {$690.00} for an extended warranty. This has not been credited to my account. It was check # XXXX and was sent to Citi Bank N.A. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ky XXXX. I can send you a copy of the check that was sent. Please advise when I will see this {$690.00} credited to my account. 

The dealership continues to tell me that citibank is going to credit my account but this has not happened. They also should be crediting the additional interest that has accumulated on my account due to the higher balance but I was told they would not be willing to do that by the dealership who has been handling this case since citibank denied my correspondence I sent them.
Consumer complaint received 2023-03-17
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC (LA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2019-10-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates (OK)

I have recently received a bill from MBA Law Firm located in XXXX, Texas. The bill claims I owe {$5600.00} to a current creditor called XXXX XXXX. It also states the previous creditor was XXXX XXXX. 
I spoke with a female, " XXXX '', who claims she is a debt collector with the above stated law firm. She advised me that I owe the above stated amount due to lab costs approved by my doctor. I spoke with my doctor and his business manager who both told me that it was a scam and I did not owe anything. 
This " Law Firm '' claims the date of service of the bill was XX/XX/2018 but I have never been contacted, or so much as received one bill from them. So they waited 1 year and 6 months to send this letter and are only allowing me 30 days to resolve it or they would report it to credit reporting agencies. 
" XXXX '' couldn't give me any specific information about the bill and gave me a bogus number to call. She claimed the number was a patient advocacy line but I cant get anyone to answer. 
I am a hardworking citizen who has worked years to build my credit to where it is. I don't even have ONE late payment on my record. This bogus bill for {$5600.00} would truly devastate my family.
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Bank issues scam credit cards with foreign customer service agents who can not speak English. One scam issue I have incurred as follows : Scammers pose as Capital One or a legitimate company and ask you to provide personal information or transfer money by phone, text or email. They use a fake caller ID that could show up as Capital One and/ or request remote access to my device. 

Capital One reports inaccurate card payment status to Credit Bureaus. Also they can not make a Change of Address to my account without submitting a Driver License Photo across the Internet. Been scammed by their Customer Service Department at least 4 times and my personal information was compromised. 

Bank Information : Capital One Bank Attn : General Correspondence XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Consumer complaint received 2023-03-18
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: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX Experian has failed to give me the XXXX partys true method of verification of the investigation. In pursuant to 15usc 1681a ( e ) as stated before the 3rd party organization must provide an individual of the consumer, friend, neighbor or associate who knows information on this XXXX XXXX XXXX XXXX  account. The XXXX partys information on the investigation may not include factual information stated by the law. Since They did not provide this information, I demand you to remove this account from my consumer report.