davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

XX/XX/XXXX Specialized Loan Servicing ( SLS ) account is current. The past due XXXX XXXX XXXX balance transfer of XXXX as of XX/XX/XXXX is not valid. The last collection call received on Thursday, XX/XX/XXXX by collection rep. XXXX stated our account is now 30 days due. I am submitting a copy of fax response sent to Specialized Loan Servicing on XX/XX/XXXX stating that XXXX   XXXX XXXX admitted to their error of misapplied payments and stated that all payments were made on time. Therefore, no payments were missed. Proof of all payments made to XXXX and SLS are attached to show proof of timely payment. Therefore our account is current before and after loan transfer on XX/XX/XXXX. Please correct past due balance to XXXX, remove all late monthly payment history from all credit bureaus and remove all late fees charged. 

I am submitting a copy of my fax response sent to SLS on XX/XX/XXXX as a complaint with Consumer Financial Protection Bureau ( CFPB ) because each time I speak to a collection representative, there is no update to my account of XXXX XXXX XXXX payment corrections or responses made myself or XXXX XXXX XXXX. The Collections Department keep stating that they have not received any updates from their other internal departments. They have no proof of all payments made for the period prior to XXXX loan transfer on XX/XX/XXXX. Each time my CFPB complaint is submitted to Specialized Loan Servicing ( SLS ), SLS closes my case and uses the same response letter written by SLS Customer Care Representative ID # XXXX, by the name of XXXX XXXX, I have attached fax confirmations, XXXX   XXXX XXXX statements XXXX to XXXX, proof of all my previous monthly XXXX payments for period XXXX made to XXXX XXXX XXXX ( XXXX   ) which were also posted on the XXXX   XXXX XXXX home equity line statements. SLS keeps stating that that they need proof of payments before they can update my records. I have supplied an online XXXX payment report of all my XX/XX/XXXX-XX/XX/XXXX XXXX   payments to show proof, which has the same payment confirmation numbers posted on the monthly XXXX   statements. From the statement it is clear that payments from XX/XX/XXXX to XX/XX/XXXX were all misapplied. Each monthly payment, per loan terms must be applied as part principal and part interest. Please make the necessary corrections. Thanks
Consumer complaint received 2020-03-28
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. (IL)

XXXX XXXX XXXX XX/XX/XXXX amount {$1100.00} ( Chapter XXXX bankruptcy discharged XX/XX/XXXX amount {$0.00} im a victim of identity theft filed ftc police report items where removed found unverfifiable they haved returned after my request to remove and block filed complaint with transunion XXXX  XXXX
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (KS)

I have been working on repairing my credit since XX/XX/2019. Last month, when I received a new copy of my report, I noticed an address reporting that is unfamiliar to me. XXXX  is reporting the address as a previous address of mine, and XXXX  is reporting it as my current address. The address reporting is : XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX. 
I am not familiar with this address and I have never been to Pennsylvania. I would like for this information to be removed as it is hurting my credit scores. Below I have included letters I sent to XXXX, XXXX  and Equifax asking them to update my personal information.
Consumer complaint received 2020-03-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bliksum, LLC (AZ)

XXXX ( XXXX ) XXXX Is the number is the number that has been calling me and my wife repeatedly XX/XX/2020 XXXX message left indicating that me or my lawyer needs to call immediately, I called back and spoke to a man named XXXX. He said He was looking for a XXXX XXXX XXXX. I told him that was not me please take me off the list XX/XX/2020 XXXX Message left, I called back and spoke to a woman and again aske her to take me off the list XX/XX/2020 XXXX Same agency called my wife XX/XX/2020 XXXX called my wife XX/XX/2020 XXXX called my wife XX/XX/2020 XXXX XXXX  called my wife XX/XX/XXXX XXXX I called them and l/m for XXXX to call me back to we can once and for all stop the harassment
Consumer complaint received 2020-03-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I am currently trying to refinance my home mortgage. I have a 2nd mortgage through Wells Fargo. I need to get my loan payoff amount. 

When I go into a branch they tell me that they do not have that information and can't help me get it. They tell me to call the phone number. 

When I call the phone number I am placed on hold for several hours and then hung up on. I have tried several different numbers. 

I have been trying to get this for the last three days. The loan that they have from me is a very high interest loan and would be in their best interest to not help me get rid of it. This seems like a stall tactic to get their loan on the books. 

All I want is the payoff amount. Please help me.
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I applied for a Chase Freedom credit card on their website on XX/XX/19. Because there is an extended fraud alert on my credit file, it took an additional 8 days to get approved. I was approved on XX/XX/19 with a credit limit of {$2200.00}. I did not receive and activate my card until XX/XX/19. At that time I setup my online account and activating of my free credit monitoring account. 

Shortly after, about 8 days, my card/ was cancelled and the account closed. I did not receive any notification prior to doing that from Chase. I contacted Chase several times and was not given a clear explanation as to why I was approved for an account and then 8 days later it was closed by Chase. 

I received notifications from my credit monitoring apps that there was a closed account added to my credit file by Chase for this credit card that they closed. It caused my credit score to drop substantially.I contacted Chase and also wrote then goodwill letter asking to remove this account, as it was closed without explanation and also only open 8 days. I also explained to them that credit reports every 30 day account info and this account was not open even 14 days to report anything. I advised them that creditors aren't required by law to report borrowers ' account information to the credit bureaus. They replied back that they are with no documentation backing up that claim. 

I also notice conflicting info on each credit bureau report about this Chase account. XXXX  is listing a open date of XX/XX/19 and a close date of XX/XX/19. 
XXXX  is listing an open date of XX/XX/19 with a close date of XX/XX/19. 
XXXX  is listing an open date of XX/XX/19 and a close date of XX/XX/19 As you can see, these dates contradict and do not coincide with the dates that were actually listed as the application, approval, and activation of this account. So I would like Chase to please petition to remove this account from my credit file on all credit reporting agencies.
Consumer complaint received 2020-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo acted as servicer for student loans. Was advised that loans were enrolled in program to receive public service loan forgiveness as a XXXX. Completed monthly payments for years. Loan were transferred to other servicers, and Wells Fargo now has no record. Have met my obligation now, as over 10 years of on-time payments have been made. 

This is very typical and part of a nationwide problem. A similar situation has affected hundreds of thousands and this is the result of over 99 % of those who qualify. 
XXXX XXXX XXXX
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (FL)

Three weeks ago XXXX mailed checks to Chase Bank to transfer the balances to XXXX. Only one payment was applied to my credit card with XXXX XXXX XXXX ( {$2300.00} ) and they still charged about {$27.00} to the account once it was already paid. 

We're on week three, XX/XX/2020 and the payment of ( {$5000.00} ) has not reflected my other credit card and they still charged my bank account the interest for this month. 

This is honestly showing that Chase Bank is doing this on purpose because they're trying to collect as much interest as they can. 

Receiving one payment only proves that they're holding off on the second payment to continue putting me in debt. It's unacceptable. 

XXXX confirmed that everything they needed to do on their end was completed.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NAVY FEDERAL CREDIT UNION (GA)

Hi, I have had a small amount of services that I had been using and paying my bills on time. The I have not had any problems with until recently when I was told all my accounts were in collections without any prior notice that I was owing a debt. Will you help me to remove these off of all my public records immediately. 

Best Regards, XXXX
Consumer complaint received 2023-05-05
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 writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-05-05
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. (CA)

I have been living abroad for sometime and just returned State Side and can came home to a bunch of unauthorized fraudulent accounts under my name and social listed on my credit reports : I've reach out to law enforcement and FTC regarding my concerns. Ive also tried to reach the various credit bureaus to no avail. The following fraudulent accounts need to be removed from my credit reports : 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
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I called creditors and asked about serval Inquiries on my credit I didn't recognize or authorize customer service would not help or take care of negative inquiries reporting to my credit report!! I called and mailed in letter on XX/XX/XXXX and on XX/XX/XXXX and on XX/XX/XXXX and on XX/XX/XXXX asking to resolve this matter and still nothing has been done!! 1. Inquiry Date XX/XX/XXXX XXXX XXXX XXXX 2.Inquiry Date XX/XX/XXXX XXXX XXXX 3. Inquiry Date XX/XX/XXXX XXXX XXXX XXXX 4. Inquiry Date XX/XX/XXXX XXXX XXXX 5. Inquiry Date XX/XX/XXXX XXXX XXXX   6.Inquiry Date XX/XX/XXXX XXXX XXXX 7.Inquiry Date XX/XX/XXXX XXXX XXXX ( On my report twice ) 8.Inquiry Date XX/XX/XXXX XXXX  9. Inquiry Date XX/XX/XXXX XXXX XXXX XXXX ( On my report twice ) 10. Inquiry Date XX/XX/XXXX XXXX XXXX ( On my report twice ) 11. Inquiry Date XX/XX/XXXX XXXX XXXX 12. Inquiry Date XX/XX/XXXX XXXX XXXX 13. Inquiry Date XX/XX/XXXX XXXX 14. Inquiry Date XX/XX/XXXXXXXX XXXX 15. Inquiry Date XX/XX/XXXX XXXX/XXXX  16. Inquiry Date XX/XX/XXXX XXXX  ( on my credit twice ) 17. Inquiry Date XX/XX/XXXX XXXX XXXX ( on my credit twice ) None of these inquiries belong to me!!!
Consumer complaint received 2020-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

As a homeowner whose XXXX  was forced to close due to NY State executive order regarding COVID-19, I have made numerous attempts over the past 7 days to contact my mortgage servicer - Mr. Cooper. I have e-mailed them, sent them messages using their online secure message center, and attempted to reach them by telephone. On three separate occasions, spent over 5 hours on hold, to no avail. Online review website XXXX  is filled with similar complaints. At a time when most people need to reach their mortgage service provider, Mr. Cooper has been completely absent in providing any type of customer service whatsoever. This is simply unacceptable, to ignore a paying customer for over 7 days. I understand these are unusual circumstances, but a company should have its act together and anticipate an increase in call/e-mail volume. I'd like the CFPB to kindly investigate their business practices.
Consumer complaint received 2020-03-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NV)

I am informing that Lakeview Loan Servicing LLC has a deficiency in their operational controls when it comes to customer service reading the LTV value. The FHA loan rules found in HUD 4155.1 do address how LTV is calculated. In Chapter Two Section A, we find the following instructions to the lender : The maximum mortgage amount that FHA will insure on a purchase is calculated by multiplying the appropriate loan-to-value ( LTV ) factor by the lesser of the propertys sales price, subject to certain required adjustments, or appraised value However, in the multiple instances that I called their customer service department, they quoted me an incorrect percentage based upon the property value ( XXXX ), which was not the same as the sales price ( XXXX ). As such, I have directed funds away from additional principal payments towards this account, and in doing so they will have effectively cost me {$490.00} by their lack of controls in telling customers the correct LTV %. Whether this is intentional to scam customers or simply negligent, I can not prove. But their lack of correct information has effectively cost me money and that is why I am submitting a complaint. Their lack of providing me with correct LTV information has forced me to take time away from my work and cost me direct dollars that could have, and should have been easily avoidable. I think if nothing else this is something every customer should be aware of and is worth looking into. Providing missinformation to customers that leads them to make poor financial decisions is inherently wrong. If nothing else, I hope that others can learn from my mistake. Please do not rely solely on what their customer service representatives tell you is the correct LTV. You need to do the calculation yourself and you need to make sure you are using the right numbers. They have cost time and money by hoping they would be " helpful. '' Unfortunately, has not worked out for me. I hope others can learn from this as a warning when dealing with their customer service department, who I recognize is a completely different department than the individuals actually reviewing MIP and whether or not to cancel it. There is an internal disconnect at that company. It's a major issue.
Consumer complaint received 2020-03-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I have tried blocking this company but they continue to call all day and from different phone numbers. all day, all weekend and it is stressful. I have blocked about 12 if not more of the phone numbers they call from. ( see below the numbers they continue to call me from ) The caller ID reads Portfolio Recovery. 

XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. So as you can see they call all day everyday for months.I have spoken with someone and have asked them to stop calling my number it is harrassing. Obvisously my request fell upon deaf ears.
Consumer complaint received 2020-03-28
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. (IL)

Equifax is reporting XXXX XXXX ACCT # XXXX as a ( OPEN ) acct with no Limit a balance of {$2300.00} with a payment of {$60.00} XXXX XXXX reporting on the same acct # XXXX acct was closed XX/XX/XXXX but still being reported as paid on time XX/XX/XXXX with a Limit of {$2500.00} a balance of {$2300.00} with a payment of {$60.00} on a reported of a closed account. 
XXXX XXXX XXXX ACCT # XXXX is reporting no limit {$0.00} balance {$1800.00} closed but reporting as of XX/XX/XXXX payments on a closed acct of {$93.00} with a Remark stating account closed by creditor. XXXX XXXX is reporting the same name with a acct # of XXXX with a limit {$1700.00} balance {$1700.00} acct closed XX/XX/XXXX still reporting as of XX/XX/XXXX with a payment of {$93.00} on a closed acct.
Consumer complaint received 2020-03-16
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)

My identity was compromised in late 2016, as a result more than 50 attempts have been made to obtain credit in my name. I have contacted all of the National Credit Reporting Agencies by certified mail disputing the inquiries, having provided them evidence of my identity, as well as a copy of the police report filed about my identity being compromised. In a very detailed letter I disputed each of the fraudulent attempts to obtain credit in my name, as the inquiries are having a negative impact on my credit and attempts to obtain legitimate credit. Each bureau has stated that the inquiry is a matter of fact, and though they are the fraudulent, they will continue to report them for 2 years, and they will not take steps to validate if their subscriber had a permissible purpose to access my credit.
Consumer complaint received 2024-04-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (CA)

I purchased an XXXX XXXX from XXXX in XXXX of 2023. I never activated the phone or service with XXXX. I returned the unopened XXXX to the XXXX store in XXXX XXXX XXXX CA 3 days after I received the XXXX. The store employees told me the return was processed and I received a email confirmation that the return was processed. XXXX then started sending me bills, for what I'm not sure. When I tried to contact XXXX they could not help me as I did not have an account with them and there was no record of an historical account since I never had an active plan. 

Now Amsher Collections is trying to collect a debt I do not owe. I want the collection removed from my credit reports.
Consumer complaint received 2020-03-28
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-03-25
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: Experian Information Solutions Inc. (AL)

These addresses below are outdated! XXXX XXXX XXXX, XXXX, AL XXXX. 
I have asked the credit bureaus to remove the address from my personal info and they refuse to update my report
Consumer complaint received 2020-03-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. ()

NOBODY ANSWER THE CONTACT INFORMATION NUMBER. 
NO CLEAR HOW YOU CAN CANCEL A TRANSFER IN PROGRESS. 
INFORMATION ABOUT CANCELING A TRANSFER NOT AVAILABLE IF AVAILABLE NOT CLEAR HOW TO DO IT. 
THEY MAKE IT DIFFICULT TO CONSUMERS HOW TO NAVIGATE TO CANCEL A TRANSFER. 
SENT MY TRANSFER ON XX/XX/2020 THEY PROMISED DELIVERY ON XX/XX/2020 TODAY DATE IS XX/XX/2020 MY TRANSFER STILL IN " PROGRESS " NOBODY TO ANSWER MY PHONE CALLS NO WAY TO CONTACT SOMEONE TO ANSWER ABOUT THIS PROBLEM. 
TRANSFER BEEN ON " PROGRESS '' FOR 5-6 DAYS. 
NO WAY TO CONTACT THEM AT ALL. 
I KNOW THEY COULD DO BETTER! 
ATTLY : XXXX XXXX
Consumer complaint received 2022-03-25
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. (NC)

This account is still reporting on my credit report, this account doesnt belong to me and the credit bureaus were given the police report to remove such item. This debt is also expired. Contacted both the merchant and credit bureau and they are in violation to keep reporting this item. 
XXXX XXXX AC # XXXX {$890.00}