davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I hve filed a dispute regarding this HELOC, XXXX mortgage XXXX in the past 30 days. It is still unresolved. BOA had a HELOC on property I sold in XX/XX/2015. According to the closing agent who recently contacted me, a lien was never placed on the property by BOA. Thus when the property was sold, no lien came forward and was not paid. This is the letter frm the closing agent/ attny : " I have received your letter regarding a Bank of American XXXX XXXX I have also reviewed our file. The XXXX courthouse does not reflect a recorded security deed for a HELOC from Bank of America on this property. Our title search went back 50 years and I updated it yesterday to confirm that there is no record of this HELOC. I have left a message for XXXX to further discuss the matter XXXX, XXXX XXXX, Georgia XXXX Telephone XXXX Fax XXXX
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Delinquent account — 
Company: TD BANK US HOLDING COMPANY (CA)

I I paid my credit card in full I desputedit done of the dates on my report in return they melodiously attacked my credit report updating it to a ton of days late I have not owed XXXX penny since 2013 abs the account was closed. They opened it and launched a attack on me! Melisously destroying be trade line for negative impact the scout was paid in full I owed not XXXX penny in 2013 when I paid it they said they delete it would would be in my good credit lhistory as paid as agreed
Consumer complaint received 2015-03-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Resolve Partners, LLC (FL)

Filed dispute online with all XXXX credit reporting agencies concerning the account from Resolve Partners LLC for {$2200.00} for damages to a house I rented from XXXX in XXXX SC XXXX XXXX to XXXX. I did have to vacate the property before the lease was fulfilled but the house was re-rented immediately. There was no dispute over the rent. The itemized bill they sent to me shows that fact ( see * on attached bill where it shows the amount did not change indicating there was no lapse of tenants ). The dispute is over damages. I caused no such damage as evidenced by a letter of reference written and signed by XXXX in Charge : XXXX XXXX ( see attached letter ). I have a long history of home rental and have never had a problem. There are no other such complaints on my credit files. I have always left the properties I have rented in better condition than I found them. I believe this dispute with XXXX resulted from my physical inability to complete the counter top after the kitchen stove was removed. XXXX recognized that the built-in stove that was there when I rented the house was severely damaged and posed a fire risk. I offered to remove the stove and use my own appliance relieving them, temporarily, of the duty of replacing it for me. I, however, did not agree to leave my stove when I moved. There was no other damage to the house from me. 
XXXX kept my security deposit which more than covers any perceived damages. Now Resolve Partners LLC is attempting to profit from this dispute by damaging my credit. I have written to them via certified mail and they have not responded except to update and reiterate this bogus debt. I have written XXXX as well who have also not responded. The credit reporting agencies ; all XXXX majors, have also not responded to my disputes. 
I believe the bill generated by XXXX XXXX XXXX serves as its own evidence that I do not owe this debt. It shows the inflated charges for petty damages, the unreasonable expectation that I finish out their counter top after the stove install, and the retention of my security deposit even though the house was immediately re-rented. Thank you for your consideration.
Consumer complaint received 2017-02-25
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK (MD)

I previously complained about Discover 's website : XXXX. I try to access the site and I am unable too. The site will not allow me to reset my password saying the model of my first car is wrong. I know what the model of my first car was and the information their site is pulling from is wrong. There should be another way of resetting my password. Anyway, they finished the last complaint by telling me to contact XXXX, which is who provided that questions information. They have come back and told me they are unable to assist as they have no affiliation to XXXX. Now, it is back to Discover. I want remediation. This has been a complete and total service failure. I need to reset my password. I expect them to be able to help me ; nothing otherwise. If they do not, litigation will be next!
Consumer complaint received 2015-10-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (CA)

I continue to receive calls from Receivables Performance claiming that I owe money. Lately they call continuously and do not answer. Multiple times a day. I have explained that I have not been given verification of debt since I had to pay XXXX XXXX XXXX a sum of money when I cancelled my service in store. When I do get a chance to talk to a representative, they are typically rude and tell me that I owe more money and did n't pay enough.
Consumer complaint received 2016-05-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending (MS)

I was issued XXXX loans by XXXX University from Genesis Lending. While in school interest and payments were requested of me. I was unaware of this loan being a private loan and therefore could not consolidate it. I was not notified that these loans were sold to some other company that is requiring immediate payment. I can not pay {$740.00} a month for XXXX XXXX and then {$240.00} on another XXXX. Why was I not informed of these changes and why ca n't get some relief from this company? The school DID NOT inform me of what or where these loans were coming from.
Consumer complaint received 2017-03-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (AR)

I XXXX XXXX, phone number:XXXX, address : XXXX XXXX XXXX XXXX XXXX, AR XXXX, purchased an ATV in XX/XX/XXXX through American Honda Finance ( Account XXXX XXXX ), I had 100 % on time payments until my spouse was laid off from the oil field and we were forced to file a Chapter XXXX Bankruptcy. This loan was fully discharged and included with our bankruptcy that was finalized and reported to the credit bureas on XX/XX/XXXX. We recently tried to apply for a refinance loan on a different auto loan, and since the bankruptcy our payment history has been 100 %. The loan officer called and said that the credit bureas were showing that we were 60 days late on this ATV loan and that it was showing open and active. We have not even had the ATV since XX/XX/XXXX, not just that but after 2 years now they are reporting it is an active account and reporting delinquency in payment history. This was written off and we did NOT reaffirm loan, So I 'm not sure why they chose to start reporting this invalid loan all of a sudden 2 months ago. This is very frustrated for someone who is trying to rebuild and doing everything right. I need this off my credit ASAP. Any help to do so would be greatly appreciated. As you can seen on the documents I have sent that everything stated is legitimate. There should be 3 attachment including my original Bankruptcy paperwork that shows this loan was included in Chapter XXXX
Consumer complaint received 2016-11-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (CA)

The company Allied Interstate has called my cell phone every hour for the past week with no one answering. I received a letter in the mail from them stating they are trying to collect a debt for XXXX in the amount of {$30000.00}. I have never done business with XXXX or XXXX. I believe this is an attempt to collect a non-existent loan or used my identity to do so.
Consumer complaint received 2015-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NY)

I requested pursuant to our CFPB Regulation Z, 12 CFR 1026.39, Mortgage transfer disclosures information on my loan.The mortgage servicer Specialized Loan Servicing is not providing the name of the new investor for the loan. 
I also request the date the mortgage and note was transferred or placed into the Trust XXXX as Trustee Relating to the XXXX XXXX XXXX XXXX Mortgage Backed Certificates, XXXX XXXX pursuant to CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ), Specialized Loan Servicing is not providing this requested information.
Consumer complaint received 2016-03-16
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CONRAD CREDIT CORPORATION (NJ)

My name is XXXX XXXX and I lived independently at the purported time of this collection, at the same address I had lived for 16 years prior I only came to know about this because I recently checked my credit and viewed a debt collection by " Conrad Co '' ( http : //www.conradco.com/ ). at which point I called them to find out more on the account. This debt appeared to have been filed in XX/XX/XXXX and resolved in XX/XX/XXXX. The problem is I was never contacted by phone, mail, email, or otherwise regarding this " collection. '' They explained that this was for a property/timeshare owned by my father, and they had sole communication with him, and ultimately settled the debt with him. I am very careful about my credit, and I fail to understand how I am severally liable, especially when I was NEVER contacted by the debt collector, OR the entity which was trying to collect on the debt??? 
I now have a negative flag on my credit, and they refuse to remove it despite their acknowledged lack of communication with me and ultimate settlement of debt my my father? 
Again, the only reason I even learned of this was because I just checked my credit. Please tell me how I can get this off my credit report, thank you most kindly,
Consumer complaint received 2023-05-26
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. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-05
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. (AR)

In despite of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Partners, LLC (MI)

I have asked numerous times to have Money Recovery Nationwide remove my collections off my credit reports. To which they respond they do not do removals. 
I made a payment arrangement to have these collection tactics stopped and reported every month. I am disclosing why Money Recovery Nationwide is wrongfully posting these collections on my credit reports, and also how MRN is collecting on accounts that are not valid. 
First off a new balance is added to my credit report as a " New Collection '' instead of updating a current balance. When I have contacted MRN they tell me they are new accounts that are going into collection and they have to report them. 
I only have XXXX accounts with XXXX XXXX Hospital ( See attached documents ) The letter of verification MRN sent me has numerous account # 's and none of these numbers are matched up to my XXXX XXXX XXXX account #. ( Attached are documents ) My accounts # 's are XXXX and XXXX MRN has Different Account # 's on the Verification of accounts all XXXX of them. 
Also I am attaching a Bill MRN says is from XXXX Hospital ( who the debt they are collecting on ) As you see, it says Guarantor account # is one of the numbers with my XXXX account. Which is how my account is setup through XXXX which I verified with the XXXX XXXX. The other discrepancy in this bill is that it is fake, I will find the original bill and show you if needed that XXXX Hospital Billing and accounts are in XXXX Michigan and not XXXX Michigan. This was verified by XXXX XXXX themselves. They do not have any offices in XXXX Michigan. MRN is out of lansing they explained. 
If MRN continues to argue that my accounts are separate and do not remove my collections. I will have to take further legal action and I want to avoid this. 
I was never notified that MRN was going to collect on these debts, I was only notified when my Credit Report showed them. 
I want all these debts removed immediately.
Consumer complaint received 2015-09-29
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (MI)

Today I received XXXX more phone calls from Chase Card Services. I submitted a complaint yesterday regarding the calls. Again today I had to explain when I was making the payment which should have already been in the notes. I am currently unemployed, when that happened I immediately notified them of my current change in employment status. Before my unemployment, I had a great payment history with them, as this is what I was told by the representative. I am currently enrolled in a training course that goes from XXXX to XXXX, Monday-Friday, and as a result, I can not answer my phone. But why should I if my status has not changed. They state that they will contact you every 5 to 7 days. I a representative today the exact same thing that I had told a previous representative at Chase Card Services. I am very frustrated and fill that this is harassment. When I mentioned this to the representative, she stated we have called you, but we did not speak with you XXXX times. It does n't matter. I have informed them of my efforts to make a payment, when I would make a payment and how much. I have just told another representative the same thing this evening. XXXX from XXXX, XXXX, XXXX, and the last time is was contacted was at XXXX all from XXXX, Chase Card Services .
Consumer complaint received 2015-06-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION (IN)

I contacted Everhome Mortgage to advise them that I was looking at selling my house on land contract and asked if that was allowable under my mortgage. They advised it was and that I simply needed to make sure that I provided them with proof of insurance from the new buyer when the sale was completed. I made sure that I complied, having the buyers insurance company sen Everhome evidence of insurance for the closing showing the buyer paid a premium of {$280.00}. Everhome in turn submitted a check to the insurance company for {$280.00}. although the insurance was shown as already having been paid. The payment was made to the insurance company on XX/XX/XXXX. On XX/XX/XXXX another check was sent to XXXX XXXX XXXX out of my escrow for {$900.00}. XXXX XXXX XXXX XXXX claims that they never sent Everhome any bills but simply evidence of insurance. XXXX XXXX XXXX in turn sent a refund to the buyers agent for the combined amount and the buyer 's monthly insurance premium was reduced by the buyer 's agent - with no explanation as to why. Therefore the buyer had no idea someone else paid their insurance. 
I contacted both Everhome Mortgage and the insurance broker and each continued to tell me it was the others problem. In the mean time Everhome increased my monthly payment requirement to the escrow account. 
I finally got the insurance broker to agree tto start a process of reimbursing me however it is impossible to make any progress in my attempts to keep Everhome from making a payment to the insurance company when they send proof of insurance again. I continue to be told by Everhome personnel ( I believe both phone calls to their customer service rep XXXX on XX/XX/XXXX, the first shortly after XXXX were recorded ) that when they receive proof of insurance they will send a check to the insurance company. I have been told it makes no difference if the proof of insurance shows no premium is due or the policy has been paid in full. I have been repeatedly transferred around, put on hold and transferred back to the area that originally transferred me time and time again. It appears that Everhome subscribes to the policy that if they transfer you enough times you will get frustrated and stop calling. All I want is to get them to stop paying someone else 's insurance company that is n't asking for money.
Consumer complaint received 2016-12-14
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

Hi 1.Working wiht chase back from XXXX from XXXX to XXXX Naver have any late and all ok the first lan i have wiht them - XXXX XXXX/XXXX/XXXX to XXXX/XXXX/XXXX on XXXX XXXX the add a escord accound to my load wiht outlet me know and loan amount change and a ad on opsino to pay it online i call them to fix thesee the fix and i can go onile to pay new i try and it not working so i send them chcek fot the pay met for XXXX on XXXX and XXXX on XXXX the XXXX mail back to me bace on the address the have on file i incorect and strat send letter like crazze the my address is in corect and i didnot get it if my address is incorect who to i get the latter from the i see they is no one to talk over the so i ask them to get the pay off amount to pay all the ballance in full befor the end on the yr and cloce the acound thay agry to send my the pay off XXXX XXXX remove the 60 day late fee from my credit report .i never get any ting from the and now i have 30 late on credit report from XXXX AND XXXX on XXXX & XXXX i call them to to fine out they see my addraasss cnage and thay sold my mogrege to new copany. i contact the new compay to all in full, SO now they only probelm I have wiht them is to remove all my late charge from my report and close XXXX thay never remove any late free and never cloce the accoud aftre the get ALL the XXXX. i need help ... 
DISPUTE GUIDE XXXX
Consumer complaint received 2016-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

Experian is reporting incorrect information on my credit report. I tried disputing this information online but the system would not allow me to do so. 1st issue is capital accounts acct # XXXX they did not allow me the mandatory 30 days to dispute this item. Along with not giving me the proper time frame which is breaking the FDCPA. They also are reporting the wrong balance. My 2nd complaint is experian re-inserted my mandee 's charge account/commenity bank into the potentially negative part of my credit report. I submitted a letter from commenity bank/mandee 's that this account was never paid late. Experian moved it to the correct part of my report last month ( accounts that are satisfactory ). Then this month they re-inserted it into accounts that are potentially negative. I have disputed this and finally had it corrected and now they put it back into negative again. My main complaint is teacher 's federal credit union is listing as discharged through chapter XXXX bankruptcy. I NEVER did bankruptcy so this information is completely untrue and incorrect. This is listed twice on my credit report. I have contacted experian numerous times in disputing this information and it just keeps updating. Having this incorrect information reporting on my experian credit report is affecting my credit score in a negative way and making it very difficult for me in obtaining substantial credit.
Consumer complaint received 2023-04-13
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. (TX)

Experian and XXXX are reporting an inaccurate account. The account XXXX XXXX XXXX ( Original Creditor : XXXX BANK ) XXXX is being reported incorrectly and I have also tried to fix this to XXXX XXXX of no avail. Since it has been well over 35 days since my handwritten dispute letter, I am now reporting this inaccuracy to the CFPB and XXXX  with proof of error. Attached is the document showing that the collection account was opened in XX/XX/XXXX, but Experian is reporting XX/XX/XXXX which is incorrect. The date last active is also wrong and inconsistent. It is my understanding that consumer reporting agencies are to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681e ( b ). I know that this violation can be taken to small claims court, and I will be able to show the inaccurate report and proof that it has caused me to suffer damages. Please see the attached inaccurate report and the documentation showing the different information you are reporting. Remove immediately.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I fall under thecurrent lawsuit I was only offered a forebearance, late fees, and misapplication of funds. I took out an XXXX loan that has costs me over XXXX. I have complained and nothing.