davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (AL)

I reached out to the company requesting to settle and do a pay to delete. They responded declining the settlement offer. Several months later I logged into there portal and selected one of the TWO payment options listed. I selected payment option one and made payment. Well they processed my payment however they reported to the credit bureaus that I had a remaining balance of {$43.00}. I immediately sent an email advising that I settled the debt under there terms which was a 20 % difference & the debt would be considered Paid in full Well bc they did not update accurately I sent an email advising them of the error and was advised that it would be updated to paid. Well on yesterday I received a notification of a NEW COLLECTION ACCOUNT with Amsher, this is incorrect, I then sent and email on yesterday right after I received the notification requesting the account to be deleted due to there consistent error of updating the account with incorrect information. I received an email on today to advise that the account was updated in other words correctly also in my email that I sent I attached where clearly it says NEW ACCOUNT. Now on today I received another notification of a New Collection Account.
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC (CA)

I received a " Notice of XXXX XXXX '' from JFQ Lending Inc. that was made to look like an official government notification about my loan benefitting from enhancements to Fannie Mae Eligibility. The letter has a heading that says " XXXX  XXXX XXXX '' but it never describes any of these enhancements. Instead, it seems it is just a veiled solicitation for refinancing my home loan. I find it misleading and offensive. I feel the letter is predatory in that it tries to fool some people into thinking they need to do something about their existing loan to take advantage of some FNMA/government enhancements and it is misleading and unscrupulous.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Ive sent a dispute to XXXX and transunion on XX/XX/2021 and followed up with a second letter that was sent on XX/XX/2021. I have not got response nor receive a response by mail. The late payment for XXXX XXXX, XXXX, and XXXX XXXXXXXX needs to be removed immediately since its been 30 days and also reporting different dates for late payment.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CITIBANK, N.A. (MD)

Ive a dispute letter to XXXX and XXXX on XX/XX/XXXX and followed up with a second letter that was sent on XX/XX/XXXX. I have not a response nor receive a response by mail. The late payment for Best Buy, XXXX and XXXX XXXX needs to be removed immediately since its been 30 days and also reporting different date for late payment.
Consumer complaint received 2024-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MN)

To Whom it May Concern, I am writing to ask for a review of my qualifying payments under the Public Service Loan Forgiveness program ( PSLF ). My loan is currently being serviced by MOHELA and I have been approved into the PSLF program.

My employment has been certified for PSLF as follows : Approved Employer BEGIN DATE END DATE 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  Currently, when looking at my loan record in studentaid.gov, this results in a qualifying payment count of XXXX toward the required XXXX for PSLF. I am writing because this total is incorrect. There are dates missing in studentaid.gov that are simply missing. Throughout my qualified employment I did have periods where my loan was deferred or in forbearance, however, in addition to these periods, there are some dates when my student loans were being repaid that are simply missing. During the period from XXXX nothing has been tracked yet I worked for a qualified employer and I was making payments on my loan. It seems like my loan disappears into the ether during this time. 

I have called everyone I can think of, student aid, all my former servicers. I have repeatedly called Mohela for help and no one seems able to track down these missing 13 payments. As far as I can tell, XXXX consolidated my loan but neglected to start tracking it until 13 months after they took over as my processer. 

I really need credit for these months. They are a 10th of the progress I need to achieve student loan forgiveness. I dont know where to turn to figure out how to receive credit for these missing months. Please can you assist? 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

citizen bank branch address XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ny XXXX # XXXX branch manager XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX The above is the account information I opened for my company at Citizen Bank, if you need to add! Please feel free to email me what I need to add! 

I have a total of one personal account and two corporate accounts under my name On XXXX day, I received a call to learn that there was something wrong with the check that the customer paid us. The next day I immediately went to find out the situation, I thought that after communicating with XXXX, I would find out the cause of the problem and then cooperate with him to solve the problem. 
Unfortunately, after communicating with the cheque payer, the other party has been using the reason that it is still processing, resulting in the problem being delayed. 
I'm sorry for this not very good problem during my time with them! 
mostaq froze all my accounts during this period, which indirectly led to the economic loss of my two companies and the loss of customers, which I can not pursue! 
What I can't tolerate are the checks ( ~ {$400000.00} ) and those " problem checks '' that arrive in my account. 
, including our online banking was frozen together, First of all, when I opened an account, the bank staff told me that the private account and the business account were two separate accounts. BUT WHEN THE PROBLEMS THAT THE BRANCH MANAGER CHOICE TO NO TRUSTING ME AND MY BUSINESS, I CALLED SERVRAL TIMES LOOKING FOR XXXX BUT I HAVENT RECIEVE ANY REPOND YET. 
SO I NEVER GET ACHANES TO SOLVE THE ISSUES UNTIL TODY ALL MY ACCOUTS HAS BEEN FROZES. 
I REALY SORRY ABOUT WHAT HAPPENED, AND I M VERY UPSET THE BRANCHH. AS A CONSUMER I PUT MY MONEY IN THE CITIZEN ALSO THE BRANCH STAFFS INCLUDES THE BRANCH MANAGER COMMUNITATE WITH ME WITH A BAD ATTITUDE. 
I FELT UNCOMFORTABLE
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had an account with XXXX  with a last bill of XXXX. It has now been turned over to XXXX XXXXXXXX. XXXX  XXXX has reported to the credit bureaus od transunuin and XXXX  that the account was opened in XXXX. They have appeared to re-age my debt and this is not legal.
Consumer complaint received 2021-07-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION (NY)

Wilmington Savings Fund Society DISCRIMINATED AGAINST ME along with the servicer they hired. Their servicer XXXX XXXX XXXX in an attempt to hide the discrepancies in my loan repeatedly sent illegible ledgers showing the payments made and where they were applied. Meanwhile claiming there was no record of any payments on the modifications. I repeatedly disputed the validity of the balance due to every servicer, the law firm, and the referee only to have my disputes ignored. Their law firm submitted fraudulent and false documents affirming the amounts due were correct. The amounts affirmed by XXXX employees are incorrect. XXXX has admitted in bankruptcy court they did not verify loan balances yet they lied to the court and said they did. XXXX also did not validate the amounts due. They even purchased my loan proceeded to foreclose on my home without a valid assignment and ignoring a modification in place. They discriminated against me and denied me my legal right while their servicer and law firm XXXX XXXX XXXX XXXX  committed fraud upon the court anyone with a foreclosure being brought by XXXX XXXX XXXX XXXX should review their paperwork. I reviewed dozens of their cases many had document issues.
Consumer complaint received 2021-07-01
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: Navient Solutions, LLC. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-01
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: EQUIFAX, INC. (PA)

I mailed a letter to the credit bureau on XX/XX/2021 regarding wrong accounts on my report. It is now 60 days and I have not received anything from them pertaining to my disputes. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation.
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (TX)

I have disputed this debt numerous times for validation, and keep receiving updates as it has been validated but no proof. There is no signature, no contract, no proof of the bill, and no validation of the debt. There are two accounts from credit systems intl on my credit showing opened in XXXX for a utility bill, however I was not in that city in XXXX I was living across the state from XXXX.
Consumer complaint received 2023-01-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synerprise Consulting Services, Inc. (TX)

Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General, and FTC
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX XXXX  add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, JPMCB - AUTO/XX/XX/XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-03-15
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. (CA)

of XX/XX/XXXX i submitted account verification and the source of the information for the second time. 
XXXX never answered me the first time, Experian and XXXX answered " The company that reported the information has certified to Experian that the information is accurate '', but never inclosed where did they get their information or who is the source of their information. 
it is a public record from the XXXX court, the court never chairs my information with any credit report as well as XXXX XXXX has taken this information of their record.
Consumer complaint received 2021-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MI)

Hi, I just ( XX/XX/2021 ) get this suspicious mail from Transworld Systems INC. With a claim that I owe a debt. Details as follow : File number : XXXX Invoice # : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX The debt amount is {$360.00} The address on the envelope was wrong ( wrong ZIP and State ) I do not recognize this debt and believe that is a fraud. I send a registered mail to the company with a request for additional information. Please advise what to do next. 

Thanks,
Consumer complaint received 2021-07-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (AZ)

Credit Collection Services never informed me properly of a debt and had my address information incorrect. They then reported the collection to the credit agencys in which I called the original company XXXX and ensured the debt was taken care of. Yet I never reviewed or received a written notice in regards to this debt. They have now marked it as paid but have refused to delete the account even though both companies have confirmed they had the incorrect information on me. Theyre negatively impacting my credit and going against my rights of being properly notified. I have disputed this debt with all three credit bureaus after the collection agency refused to delete the debt. If this debt is not resolved and deleted off my credit I will be getting my attorney involved and will sue for false credit reporting for not being properly informed.
Consumer complaint received 2024-02-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (NJ)

AMSHER COLL acct # XXXX placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. I never receive written notification of this alleged debt at my address
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ I have asked for these ridiculously overpriced overdraft fees to removed and the dates of the purchase were not posted properly, causing the overdraft fees. Wells Fargo denied.
Consumer complaint received 2021-07-01
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: Byrider Franchising, LLC (MO)

I've notified this company, XXXX XXXXXXXX XXXX, about the incorrect and inaccurate information reporting on my credit report, I've asked for an investigation, verification, and validation of this alleged debt. My request has been ignored several times and no investigation has been done to ensure reporting at 100 % maximum accuracy. This company has violated several of my consumer protection laws. Saying the debt is valid but not providing any proof that the unknown accounts are verified. In addition, I've requested the method used to supposedly verify theses accounts and have not been provided with any information. My request continue to be ignored. This has cause a tremendous strain on my credit health, causing me to continue being denied credit for false reporting reasons. Please help me resolve this matter immediately as I have tried several times to handle this matter. 
Dates : XXXX accounts updates, so they were reporting incorrect to begin with XXXX alleged verifiecation XXXX reporting incorrect XXXX no response to dispute XXXX no response or action taken XXXX still reporting unknown accounts
Consumer complaint received 2021-07-01
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: Experian Information Solutions Inc. (MD)

I contacted the creditor, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Consumer complaint received 2021-07-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (LA)

This company have been causing me grievances since XX/XX/2020 just by having a loan with them. In the beginning they failed to properly copy my name from my financial contracts into my account. Then later they stop reporting my timely payments to the credit bureaus. And now they are harassing me for loan payments when they have been educated from my insurance company that my vehicle is totaled from a flood. This company shouldn't be allowed to harass their customers using our credit report as a negotiation chip. They obviously are not obligated to realize I did financed my vehicle for income and I have gotten a replacement which means I have a new loan obligation. Which means why are they insinuating that I am a man that is not credible to make good on his payments?
Consumer complaint received 2024-02-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (IA)

My friend sent me {$200.00} on venmo so I could get him a new gaming device while he was at work. I tried to transfer it to my bank account so I could withdraw it and use said money to get his device. It would not transfer so I tried sending it back to him as I didn't want to keep his money. It wouldn't let me send it back either and kept giving me errors. I made another attempt to send his {$200.00} back, and suddenly my account is frozen. It's been frozen for days and I need to send my friend his money back desperately. This isn't fair to my friend and Venmo is barely replying to me regarding this.
Consumer complaint received 2021-07-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

This is with SLS Mortgage Company. 

In XXXX, I was sentenced to XXXX years in XXXX My husband ( primary mortgage holder ) XXXX  me I deeded the house over to him in XXXX. He was suppose to refinance and take my name ( co-borrower ) of the mortgage. He never did. It is my understanding a loan modification happened in XXXX, yet I never signed a document. He got ill and passed away in XXXX. Mortgage payments were missed. He left the house to our XXXX sons and his mother XXXX XXXX was the executor of the estate. She was only the XXXX  was XXXX mos. in XXXX, however, continued to contact and negotiate with SLS as if she had the authority to do so. I was not aware of any situation. I was released from XXXX  XX/XX/XXXX. XX/XX/XXXX, she informed me that SLS stopped taking our mortgage payments but yet did not get me involve or tell me how bad the situation was. Around XXXX, she informed me and told me I needed to handle the situation with SLS. To do this day, SLS does not communicate with me or send paperwork the my address which is the property in question. I have filed many loan applications, and complied with their request to be told it was denied to paperwork. SLS has dealt with an individual who no authority to do so. This mortgage is under my name and social security, I have shown desire to keep the home as my income is more than enough to cover the monthly mortgage payment. SLS repeatedly has had the wrong information, repeatedly not contacted me, the person whose credit this affecting and as of XX/XX/XXXX, the sole owner of the home. 

I feel SLS uses unethical practices and my XXXX of being XXXX and not being in communication with SLS at the fault of SLS has now put myself and my XXXX children has being homeless.
Consumer complaint received 2021-07-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (WA)

I sent {$15000.00} in XX/XX/2021 to my family. But my family didnt receive the money yet, I dont why. My bank told me the money will be arrive within three to five business days, but its a month ago and noting changed. I dont have any criminal records and other bad background. I was just trying to help my poor family. I still dont know what to do and who to contact.