davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I requested validation from Bank of America and all I received was a generic letter. This account is extremely old and I have been requesting a payment history and they still have not provided. They only sent a letter indicating the information is accurate. IT is not accurate. I want to see how the payments were applied when they are made etc.
Consumer complaint received 2017-06-23
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (LA)

XXXX XXXX, 2017 : In an attempt to pay off this loan with assistance from a family member, I called to get my balance. It was quoted as {$8300.00}. I questioned the balance because I am being garnished for this debt. I was advised by XXXX XXXX of GC Services that I could see my debt and payments by going to www.myeddebt.ed.gov I had NO knowledge of this site before being given this information. Upon going to that site, my report indicated the balance as {$6400.00}. A payment of {$6400.00} was made. There was still an unposted garnishment payment. I was then told there was a balance of {$1100.00}. That amount was then paid. Another payment was made. It seems their " collection costs '' have amounted to over {$2000.00} on this balance. It never gets smaller. Every day they add fees and charges on claiming 'THIS IS YOUR DEBT AND FEES ARE CHARGED DAILY UNTIL IT IS PAID IN FULL. '' There is no way to get to {$0.00} with this company. The stress has affected my health. Prior to going into garnishment I was making small payments until a medical situation caused me to go into default. I submitted documentation to this company more than 4 times via certified mail. Every time I submitted something, they wanted something else. Then they decided to serve a garnishment. The more I asked how much do they charge in collection fees, the more they blew me off. I was told their fees are NOT included in my report of payments received yet they sent me the same info with nothing indicating they charge a separate fee and the percentage of that fee. I need these people out my life asap. The Dept. of Ed. needs to look into the companies they are using as servicing agents and the amount they are charging consumers. It 's no wonder people remain unemployed and do not become home owners. The fear is there! I feel their collection tactics are unacceptable as is the amount they are charging to collect these debts.
Consumer complaint received 2019-01-14
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. (CA)

On XX/XX/2018 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from TransUnion LLC. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018. On XX/XX/2018 I contacted TransUnion asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Consumer complaint received 2015-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TX)

I have had a mortgage with Green Tree financial for well over XXXX years. I have tried numerous times to get them to refinance for a lower interest rate. I have had some ups and downs but over the past XXXX years we have been perfect, but yet they say they do no refinancing on existing loans. I have been paying 13 % on a mortgage that is crazy. I have vehicles and much more that have qualified for 5 %, but yet I ca n't get them to respond. Being bad is XXXX thing but this is really taking advantage of people and really bad business. I just wonder how many people they are really ripping off.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-11
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: LAKEVIEW LOAN SERVICING, LLC (MD)

Lakeview Loan Servicing , LLC ( Lakeview Loan ) has reported a security incident involving unauthorized access to Lakeview Loans file servers, which was identified in early XX/XX/XXXX. 
The companys investigation determined that an unauthorized person obtained access to files on Lakeview Loans file storage servers from XX/XX/XXXX to XX/XX/XXXX. 

On XX/XX/XXXX, Lakeview Loan began mailing notification letters to individuals whose information may have been involved in the data breach. 

The accessed files, according to Lakeview Loan, were reviewed by its investigation team to identify the content. The investigative review process, according to the company, generated a preliminary list of individuals whose name, address, loan number, and Social Security number were included in the files. 

I receive a notice and was only offered one year of a free identity monitoring service.
Consumer complaint received 2019-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MA)

I submitted required documentation for certification of my employment for Public Service Loan Forgiveness in XX/XX/XXXX. I received confirmation the the employment was certified via letter from FedLoan indicating the following : Qualifying Payment Tracking for Public Service Loan Forgiveness In the next few weeks, we will calculate and provide you with notification of : The number of qualifying payments you have made during the qualifying employment period listed above, The total number of qualifying payments you have made during all periods of qualifying employment approved todate, The estimated number of payments that are still required, and The date you are expected to be eligible to apply for forgiveness. 

However, it is now XX/XX/XXXX and I have not yet received any information regarding an update of the number of qualifying payments. I have contacted the servicer and no one has been able to tell me when the review/update of my qualifying payments will be made. It has been 9 months without resolution. This is absurd.
Consumer complaint received 2022-04-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (TX)

I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection ( XXXX XXXX  ). I find that strange since I don't recognize this account neither am I liable for it at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureau to have them send the proper verification of this alleged collection. I have also sent out debt validation letters to the CREDITOR to VALIDATE this alleged account. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ) I begged the creditors to Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges However, this unvalidated negative account is still impacting me XXXX XXXX : Pursuant to 15 USC 1692C. ( c )
Consumer complaint received 2021-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (CA)

I opened a cell phone account with XXXX XXXX somteimes in 2017 at the XXXX XXXX Branch on XXXX XXXX, XXXX, CA. I used the phone for barely a week, returned the phone back to the location, paid the re-stocking and the usage fees and cleared the account. Few month back I pulled my credit report and noticed a {$52.00} debt collection being reported as not paid for 15 months. At no times, XXXX ever contacted me, or sent a letter of unpaid charges ( if any ) or made an attempt to notify me. This in my books a fraud and illegal misuse of an account by a XXXX loaction/XXXX. They sold the account to the debt collector in XXXX, TX ( XXXX XXXX XXXX, XXXX, TX XXXX ) XXXX named SOUTHWEST CREDIT SYSTEMS. This debt collector agency and XXXX XXXX both gave me run -around for about 3 months with every time something new to inform or for me to do. 

Due to their negligence, I am unable to secure a good car loan rate due to 15 months of late/unpaid payments showing up on my account. After getting fed up, I cleared the account and paid the {$52.00} but my credit is scared forever showing 15 months of late payments. It's their unwillingness to cooperate, investigate and or clear the account resulted in a painful experience for me. 

Again, we are talking about {$52.00} and I had no problem paying but it was a matter of principal, right business practices and legally to help the consumers.
Consumer complaint received 2021-05-14
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. (FL)

I just check my credit through experian 's website and i noticed a few fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX  and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

Nelnet student loan servicing has been reporting to my credit report even though I never selected them as my student loan servicer. I did make an inquiry however I selected XXXX as my loan servicer. Just because I made an inquiry about their practices did not mean I selected them and they had no right to report anything to my credit report. 

I contacted them and explained that I made an inquiry that led to this mistake/assumption that I may select them, however, I did not. I ended up selecting XXXX. 

I made several calls to Nelnet and finally worked with XXXX who spoke with her supervisor and they agreed to remove all reporting, ( including the " closed '' accounts reporting ) from my credit report because that is actually untrue. I never had an account with Nelnet to close. The reporting was removed but then two months later all the so called " closed accounts '' are appearing again on all my credit reports, even though Nelnet agreed to remove the false/inaccurate reporting. 

Here is the contact information for : XXXX, XXXX Representative XXXX direct line XXXX customer service line
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (IL)

Hello- I am a XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  by the Veterans Benefit Administration or the " VA. '' Because of this in the state of Illinois XXXX I am eligible for the Veterans with XXXX Property Tax Exemption XXXX Per the law, we waited for one year after purchasing our home to file for this, which we were approved and have begin receiving tax statements indicating {$0.00} balances for XXXX & XXXX. 

We have been working very diligently with our mortgage company, United Wholesale Mortgage ( UWM ) in removing the taxes from our mortgage payment since XX/XX/XXXX, which was nearly ONE YEAR since we closed on the mortgage. I have corresponded via MANY emails through their website, I have spoken to multiple representatives, provided documentation many times to multiple individuals and even spoken to someone in the resolution department. My property has been assessed by UWM multiple times, our payments have been reduced and we received the balance in the form of a check. However, our taxes have not been removed despite following the directions provided by UWM representatives such as submitting a formal request to have taxes removed with a " wet signed '' signature, copies of our tax bills reflecting a {$0.00} balance and waiting for such documents to be processed. Needless to say, we have gotten nowhere despite all of our efforts to have the taxes removed. 

I would like to file a complaint against UWM for not having our taxes removed from our mortgage. Please find the documentation attached XXXX XXXX XXXX
Consumer complaint received 2021-05-14
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 just check my credit through XXXX  's website and i noticed a few fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.
Consumer complaint received 2021-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

On Friday, XX/XX/2021, I initiated an " Instant Transfer '' from my PayPal account to my checking. PayPal would not process the transaction, and said they could not verify my identity, despite the fact that I provided them with my password, and my two-factor identification code from my watch ( that, if removed from my wrist, will not work ). This transfer was to an account that had been on the account since conception. 

I spent about five hours on hold, being hung up on, and receiving scores of different answers. Eventually, I tried to make a non-instant transfer and that was held up. They variously told me to go to XXXX to get the money, or to send my ID over to them, via a cell phone. I had told them at least five times I couldn't do that ... the money I was trying to transfer was from selling my phone!! 

Today, I borrowed a phone, and tried the " send us your ID '' thing. They informed me it would take five minutes to process, after a half hour I asked them what was up. Almost two hours later - forty times the indicated wait time - I was told that the verification failed. XXXX has kept the same photo of me for eight years now because I LOOK EXACTLY THE SAME as I did even FIFTEEN years ago. They absolutely did not examine my selfie or ID. 

I was told this is normal procedure, banks do this all the time, but I have never, ever, in my entire XXXX years been asked by a bank to give my password, 2FA code, last four of my social, entire 16 digit account number, a text code, a copy of my ID, and a selfie. It's " did you authorize this transaction? You did? Okay, try again. '' This is how it works at every bank, PayPal is the only company expecting me to verify every possible detail of mine. I'm surprised they hadn't asked for a DNA sample. 

It has now been over fifty times the quoted time for this withdrawal. They refuse to say exactly why this is held up, they give me form letters, and say the computer controls everything. This is not a XXXX movie, PayPal is not XXXX, it is not a sentient mainframe in a mountain somewhere. A person must be in charge, that's the way the world works, but they say oh system did it, can't do anything about it. So, if PayPal isn't in control of their own systems, who the XXXX has a picture of me, my ID, and my debit card numbers now?
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX. XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Blockchain.com, Inc. ()

I received a phone call from Blockchain.com , Inc. ( https : XXXX ) Saying that I had a frozen account from 2015 and that I needed to install software on my computer and have a live session with an agent to reactivate the frozen account. I have no memory of opening an account and asked them to send me the account information so I could verify it before I did anything. 

The agent called me XXXX and a liar, and asked if I was XXXX and said he couldn't send me the information. I said in that case close the account. He said but you just asked for the information, are you XXXX  or XXXX 

I tried looking up the company and contacting them, but they have no contact that I could find, and the phone number on the XXXX XXXX XXXX site just has an answering machine. 

I have had my accounts stolen in the past and I am concerned that someone opened this account fraudulently and the fact that the company representative said he has too much to do to send my " my '' account information really comes across as sketchy. The fact that he yelled at me, refused to provide any verification and insinuated that I am XXXX XXXX because I want to verify an account makes me believe this is not a real company and that they are scamming me.
Consumer complaint received 2022-04-11
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)

They will not refinance my loans after forbearance, late payments applied, need help please. i WILL NOT BE PAYING TILL XXXXXXXX XXXX XXXX XXXX XXXX That's a Covid disaster for me I need a break please Thanks XXXX XXXX XXXXXXXX XXXX XXXX To whom it may concern : I was one of millions XXXX XXXX XXXX XXXX that Covid Epidemic affected. 
XX/XX/XXXX Texas GovernorXXXX XXXX XXXX XXXX  signed an Order to close business that had gatherings of no more than 5 people. 
I have a mortgage on this XXXX XXXX, rental building capacity of XXXX XXXX XXXX XXXX. My Leasor could not pay the rent so they left, The mortgage company said they could help with Modifying my Loan with Forbearance assistance. 
See attachment please see for yourself if you call this assistance. Thanks XXXX The attachments should answer your questions on Payments, Taxes, Insurance, amounts on our following properties. We only have XXXX mortgages and XXXX other properties paid in full. 

1. FHA Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 2. FHA Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 3. FHA Loan XXXX XXXX XXXX converted to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX 4. No Loan, Tax only, XXXX XXXX XXXX Lot 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 5. No Loan, Tax only, Vacant Lot XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Estates I signed Subdivision established XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX VACANT LOT PAID IN FULL 30  YEARS AGO LOT 2 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX LOT 3 - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  PAID IN FULL 30  YEARS AGO LOT 4 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX LOT 5 - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX LOT 8 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX