davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (NY)

I have been paying down this debt ( 2 accounts were combined- a total of over XXXX, when I called to make a payment they told me I had a new collections amount over XXXX dollars. But I received NO COLLECTION LETTER FOR THat amount from anyone. I called my insurance company who then informed me that the other two accounts in collections with CMRE were paid in full by my insurance company- XXXX XXXX XXXX XXXX XXXX XXXX. I have both XXXX  from those charges and they show NO BALANCE OWED BY ME. So I have been paying a debt that has already been paid in full. I sent those documents to CMRE and have called twice and no one will return my call and I have received no repayment of the hundreds I have already paid.
Consumer complaint received 2021-07-29
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC (DC)

I am the brother of someone they thought they were calling. This is the transcript : Federal law designates this matter as a confidential notice for the XXXX XXXX XXXX if this is not the XXXX XXXX XXXX please hang up now if this is XXXX XXXX XXXX please continue listening to this message do not listen to this message where others can hear as it contains confidential information I will now be a three second pause hello this is XXXX XXXX unfortunately I received a notice in your file today is Thursday, XX/XX/XXXX in your ______ ___ reached my office due to __ looks like is him your failure to respond well I do need to know if it was done intentionally hopefully that was an oversight but I do suggest you communicate we are open today until XXXX XXXX  in the phone number I can be reached at XXXX again it would be who've you to call before we were asked to see his volunteer communications so please call me back at XXXX also I do apologize for any aggravation but again I did just receive this notice to pay online go to XXXX and click on the pay now link your account number is XXXX Sent from my XXXX
Consumer complaint received 2021-07-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Village Capital & Investment LLC (AL)

Village Capital & Investment LLC, you have been sent the following notice in relation to your attempts from collecting alleged debts and present debts Not OWED to you ; Debt Validation notice, cease and desist and billing error notice. You are attempting to collect alleged debts from ( a federally protected CONSUMER and not a customer that extended my credit to you, and you have been taking advantage of me ) without any authorization or authority to do so. You are exhibiting UNFAIR DEBT COLLECTION PRACTICES in your attempts to collect these alleged debts violating federal law 15 U.S.C 1692 and are not maintaining business practices consistent with the Truth And Lending Act 15 U.S.C 1601 nor the fair billing act 15 U.S.C 1666. You are required by LAW to adhere to these regulations and maintain business practices consistent with these laws, also including your requirements to have business practices consistent with Generally Accepted Accounting Principles pursuant to 12 U.S.C 12 1831n. Your actions lead to a violation of the law and your oaths to maintain these practices in your business dealings. As the natural person, I am demanding all of the information be sent as required pursuant to the aforementioned laws and those clearly and conspicuously shown in the attached notices. As a consumer, I have a right to dispute ANY act that violates me as a natural person. As congress has stated YOU are a debt collector pursuant to 15 U.S.C 1692a ( 6 ) and your adherence to this FEDERAL LAW is NOT optional. In my attached notices I have demanded several original documents, if your claims hold any merit you will have no problem providing proof. This demand is NOT optional you are REQUIRED pursuant to the freedom of information Act Act 5 U.S.C 552 to provide ALL the information that was demanded the exact way it was demanded. Any submission not in compliance with these demands will create exhibits that prove that I do not owe you any alleged debts. As the ORIGINAL CREDITOR and CONSUMER involved in the alleged debt, I am demanding you comply with the demands in this attached notice. The affidavit must be answered point by point. I will not hesitate to pursue further litigation to enforce the protection of my consumer rights if need be. Without this demanded documentary evidence that I owe any alleged debt, your practices are inconsistent with 15 USC 1692 and you will be held FULLY accountable for your WILLFUL NONCOMPLIANCE with federal law.
Consumer complaint received 2021-07-26
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. (CA)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2019-12-14
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: EQUIFAX, INC. (TX)

I am a victim of identity theft, and did not make the charge [ s ] .This incorrect information on my credit report is causing problems when I try to apply for credit. I did some research on how you handle consumer disputes. I believe you use a system called E-Oscar to handle investigations. Please do not rely or do the investigate using this system because its not 100 % accurate. I really need your help because at this point I dont know where to turn. Please investigate this matter, and get back with me when you are finished. I am writing to dispute the following information on my file. Please update, modify or remove any account that is not reporting with 100 % accuracy. 
I demand the following accounts be corrected or removed immediately. I noticed problems with the following accounts are fraudulent : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AL XXXX USA Open Date : XX/XX/2016 Amount : {$6400.00} XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, AL XXXX USA Open Date : XX/XX/2016 Amount : {$48000.00}
Consumer complaint received 2021-07-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

We have very good rate on our mortgage its 2 percent for the life of the loan. My mortgage was with XXXX XXXX and I did a one those ygrene program to change my windows and doors and XXXX they supposed to add the loan with the property tax and add it to the monthly payment and our payment going to go up XXXX dollars more and we ok with that but XXXX did not do that and made my Escrow account behind and short and they told me to pay XXXX to fix the escrow account I told them you pay or fix it its your mistake I didnt not do anything wrong they refused the they agreed after all to fix while I was waiting for XXXX to fix it I got a letter in the mail telling me my mortgage was sold again for the fourth time to company called Fay servicing and since Fay servicing had my loan they refused to help or fix the problem but they want to take my house from my family and I had to get attorney to save my home so far no luck and cost {$1500.00} a month for the attorney since 2019 Also the pandemic has put us behind another year and now I owe XXXX to Fay servicing and my attorney wants to file another lawsuit against Fay but we are so tired of all this I cant just walk away from our home with XXXX kids and my wife stay at home mom Im the only income right now my income is XXXX a year I know Im able to offered my home but Fay servicing they say I cant offered it its better to sale my home or they will take it from us. 
Fay servicing is Unfair practicing against us and discrimination against us every time I call they tell things like sell your house man and make couple dollars before we take your home from you and other time they tell take money from XXXX to save your home because we not going to help or work with you. And last phone call they told me if you sue us we going to take your home from you after that I spoke to a manger I told her whats happening and she say I cant talk to you anymore because you have attorney we are not allowed to talk to you and I told her you guys call me all the time and she was pissed off at her team.

Fay servicing very bad company They do unfair practice and they discriminate against people. I have four other mortgage companies before but like fay I have never seen anything like this. 
Thank you. 
XXXX
Consumer complaint received 2022-01-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MA)

XXXX. I was steered into forbearance when I could not make my student loan payments in 2014. I was enrolled in an income based repayment plan. The number was too high given my expenses and I was told that my only option was forbearance. I believe that I was still charged interest. 

XXXX. I had issues with the yearly income recertification. There were times that I missed the deadline to recertify. The emails did not include deadlines, or there were no email reminders that I saw, or there was inadequate information in the emails. When I did recertify after realizing that my loan payments jumped up, I often lost months because it took the servicers a long time to approve the recertification.
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

XX/XX/XXXX paid off card XXXX paid in full on web site. No past due balance paid off early. Found out in XXXX I had a past due balance because on XX/XX/XXXX they charged me a finance charge on my XXXX  balance of XXXX and then on XX/XX/XXXX a late fee of XXXX on that XXXX finance charge then on XX/XX/XXXX a XXXX minimum interest charge. 
In XXXX I called and requested the card be closed and even though I did not feel I owed it I paid the XXXX and was told no other charges would be assessed. Today XX/XX/XXXX I noticed the account still open and a charge XX/XX/XXXX for XXXX minimum interest, XX/XX/XXXX XXXX late fee and XX/XX/XXXX XXXX minimum interest charges. 
I called and was told the account was not closed and the person offered to refund the fees ONLY if I left the account open./ He also could not guarantee I would not get fees next month even with the account closure and the fees gone. He said I would still have a balance next month. I asked to speak to a manager and I was put on a silent hold for 40 minutes until the call disconnected. I called the fraud department who refused to open a case to investigate but said they would credit the {$6.00}. 
No resolution- according to the fees I will never have a XXXX  balance. They are shady and dishonest.
Consumer complaint received 2022-11-11
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-07-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On Monday XX/XX/2021, I received a fraudulent call from a person representing themselves as Bank of America. The call came in as caller id as Bank of America. The caller had much of my personal information and said they were calling to stop a fraudulent XXXX transaction for {$3500.00} from being paid from my Bank of America account. They walked me through the steps to redeposit the money back into my account and said they would call me back in 24hours. They did call but this time from a number with no caller id. The call dropped during the conversation. I then called Bank of America to inquire about the status of the the re-deposit and there was no record of such a call. The bank told me I had been frauded and that they would open a case and try and get my money back. The receiver of the funds banked with XXXX. The bank told me that it was unsure if and when I would receive my money. I think since Bank of America offers XXXX to its customers directly in its apps and online banking they should have accountability.
Consumer complaint received 2021-07-26
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: Colony Brands, Inc. (CT)

3 accounts on my credit report that doesn't belong to me. I am respectfully requesting a deletion of these accounts.

1. XXXX XXXX 2. XXXX XXXX FKA XXXX 3. XXXX XXXX
Consumer complaint received 2021-07-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (CT)

I reached out to US Bank online on the XXXX of XXXX and XXXX XXXX from there reached back out to me. I discussed with him the purchase of property at XXXX XXXX XXXX in XXXX for XXXX as investment property and I was told I need 20 % down payment which I agreed to. I paid {$320.00} application fee to start the process and all the while XXXX knew I was XXXX XXXX and all my paper work submitted to him including last 3 years of taxes everything shows, that I am a XXXX XXXXt, operating under a XXXX XXXX XXXX I was forwarded to XXXX XXXX who was very lax with her responses to me but I pulled through by giving her info on everything she asked and they provided me a conditional approval by XX/XX/XXXX. Now with my closing scheduled for XX/XX/XXXX and its XX/XX/XXXX, the last three days has been drama on how I can not use my XXXX account money, which is my only source of income. So I moved the down payment to my personal account as a payment to myself and they still wont accept it since the money came from my earnings. I was never told all along that the money from my earnings can not be used. Now after two weeks of distress and due tot heir compulsion, I cashed out XXXX from personal Traditional Ira into my personal account etc and they still wont accept the money in my personal account. I am now going to make this a cash closing, when I could have chosen to do this as a cash closing and not have to go through this painful process and have my credit affected etc and saved some heartache. I think US BANK has to compensate me for my loss in both time and money. This is US BANK being Unfair and discriminating against self employed not considering their income as a source of income.
Consumer complaint received 2018-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

I recently received a copy of my credit report and notice a derogatory account for {$4600.00} that shouldn't be there. I disputed this account with all three credit bureaus by mail. On XX/XX/2018 this account has been removed from my XXXX credit report as unverified but it still remains on my Experian report. After another dispute this account Still Remains I tried to explain to the representative at Experian that this account does not belong there and it has been removed from XXXX. The representative advise me to dispute it again which I already did twice to no avail.
Consumer complaint received 2022-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (SC)

I transferred money from my XXXX ( Truist / XXXX ) into my Truist Checking Account to pay off my mortgage. After received, on XX/XX/XXXX, I made XXXX separate transactions, the first for {$99000.00} ( XXXX available to transfer online ) and {$12000.00} from my Truist Checking account to my Truist Bank Mortgage. On XX/XX/XXXX, the {$12000.00} transfer posted to my mortgage. On that date " Both '' transactions were removed from my Checking Account. As of today, XX/XX/XXXX, the {$99000.00} has not posted to my mortgage. 

I went online to contact Truist about the " lost money '' today and received a run-around. Firstly, the wait time on calling was greater than XXXX minutes. After that, I chose to " Chat '' with an an online agent. Initially, the response was that it would take XXXX hours to research, That was unacceptable to me. After a few chats back-and-forth, I was told that the {$99000.00} payment was suspended for some reason. I asked the chat agent for a complaint phone line and there was not XXXX available. I also asked the agent to enter a complaint into their complaint management system and she/he was unable to enter the complaint. Apparently, her/his manager needed to enter the complaint. The chat system closed out after my request without any resolution. I asked if they could verify that a complaint was registered. 

During that process, I called a local branch ( XXXX XXXX, XXXXXXXX XXXX ) and " XXXX '' offered to help and he is supposed to call me back. XXXX was very professional but he could not define the problem based on what he saw in the system. 

I am concerned that an organization seemingly loses almost {$100000.00} of my money that is not accounted for in my accounts. Also, I am concerned that the XXXX ) Customer Service wait is excessive, XXXX ) The chat agents are unable to resolve obvious problems, XXXX ) There is no way for a chat agent or a client to escalate problems/ complaints. 

This is horrible client service.
Consumer complaint received 2021-07-29
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. (NC)

Equifax, XXXX, XXXX, Have not been updating my credit reporting every 30 to 45 days I do believe this is retaliation from me filing a complaint against all three credit book bureaus and I like this problem to be fixed immediately it is preventing me as a XXXX on XXXX  from receiving funds for my business. Someone has gone in and changed all my personal information on my credit report and continues to do it in the credit bureaus are failing to report it to the consumer that this is happening to such as myself. From months I have been trying to build up my credit score and the credit bureaus were fused to report my good payment history.
Consumer complaint received 2021-07-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EOS Holdings, Inc. (NE)

On XX/XX/2021, I had an appointment at an apartment complex here in XXXX, to view an apartment for my Mother. I was greeted by the receptionist and she asked me to spell my last name. Unbelievable, she then showed me a piece of mail that had MY NAME with a valid address at their complex! I had never lived there before and they had planned to " return to sender '' this piece of mail. So, since it was in my name, I decided to open it. It was a " Settlement Offer '' from a company called EOS CCA out of XXXX, MA. Their Client Name listed is XXXX XXXX. I called XXXX XXXX  since I was a former customer of theirs and verified I owed them no money! This is 100 % fraud!
Consumer complaint received 2021-07-29
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc. (GA)

I called their office today and the receptionist refused to transfer my call to a collector. I am just trying to get an itemized statement so I can pay this account. Please do not contact me via phone, I JUST NEED AN ITEMIZED STATEMENT MAILED TO MY ADDRESS PROVIDED.
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Chime Financial Inc (TN)

On this past Monday ( XX/XX/XXXX ) I applied for a bank account and a credit card with Chime. They denied me both and will not tell me why in violation of The Fair Credit Reporting Act. I more than meet their requirements.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

PER THE FCRA AS A FEDERALLY PROTECTED CONSUMER. I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVING YOU WRITTEN AND UNWRITTEN VERBAL AND NON-VERBAL PER 15 USC 6802. 
ACCORDING TO THE PRIVACY ACT OF 1974 PLEASE REMOVE ALL NON MAILABLE ADDRESSES EXCEPT CURRENT ADDRESS PLEASE REMOVE ALL CHARGE OFFS- CHARGE OFF IS A CERTIFICATE OF INDEBTNESS AND IS CONSIDERED INCOME WHICH MEANS IT MUST BE REMOVED. 
PLEASE REMOVE PROMTIONAL INQUIRIES- I DID NOT CONSENT TO THESE INQUIRIES. 
THE LAW STATES THAT ITS ILLEGAL TO REPORT TRANSACTION HISTORY FOR CREDIT CARDS. PLEASE UPDATE AS PAID AS AGREED.
Consumer complaint received 2022-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have never given TRANSUNION written permission to furnish a consumer report on my behalf. Them doing so is identify theft and a violation of 15 USC 1681b ( a ) ( 2 ).
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (CA)

Ally financial has a charged off a car loan that doesn't belong to me. I have reached out to them multiple times as well as the 3 major credit bureaus. I haver asked to see the persons ID and the signed contract this has gone unanswered. from 3 credit bureaus and ALLY. the amount they claim I owe is ALLY FINANCIAL {$7500.00}