davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

I had utilities thru my apartment that were supposed to be closed and charged to the new tenant when i moved out. I paid the final bill and the leasing office assured me that nothing else was owed and that they would transfer it to the next tenant. This obviously didn't happen but no one can tell me what the collection is for. I've called the utility company and they say nothing is owed and the collection company won't send me verification of the debt like i've asked. Please help
Consumer complaint received 2019-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

We got a home loan through XXXX XXXX XXXX in XXXX. XXXX XXXX sent us a {$3200.00} check for overpayment shortly after we closed, and sold our note to its processing company, SPS Servicing. 
When the first monthly mortgage bill came from SPS ( which was either XX/XX/XXXX or XX/XX/XXXX ), I noticed that our payment had decreased from {$3100.00} to a new payment of {$2600.00}. 
I went on line to try to figure out what had happened, and it became apparent that the initial refund was from what they thought was an overpayment to the escrow account.

I called right away -- because I realized, they were now collecting {$47.00} monthly for our taxes and insurance, when they should be collecting {$460.00} each month.

The person I spoke with at SPS told me to just keep paying the extra {$460.00}, and that it would go into the escrow account. So I did what I was told, and in the next statement, it showed that payment going toward the principal instead of the escrow account.

Greatly alarmed, I called SPS again in XX/XX/XXXX and requested an Escrow Audit, and asked that the {$460.00} that was supposed to go to my escrow account be corrected. The person on the phone said that she would start the process for the audit, and get the money put in the right place. ( I had been using my bank 's electronic bill payer through this time. ) On my XX/XX/XXXX payment, I sent it by check and wrote on the coupon, that the overage was to go to escrow -- but of course that didn't happen. I called SPS on XX/XX/26 and spoke to someone named XXXX when I saw that YET AGAIN, the extra {$460.00} was put towards the principal, despite me sending a check and writing on the payment coupon that the overage was to go to the escrow account. 
XXXX seemed to have a hard time understanding why I was upset about my payment being less. She had an extremely hard time grasping the fact that SPS was collecting HUNDREDS of dollars less than I needed to fund my escrow account to get my taxes paid. She had to go talk to a supervisor for about XXXX minutes, and when she came back on the line, she said she FINALLY understood what I was saying. I requested an Escrow audit AGAIN and she said SPS would follow up by mail within 10 business days. 
The payment coupon for XXXX just came, and I can't figure out what they've done with the {$460.00} that I YET AGAIN designated to be applied to the escrow account. I have been dealing with these people for 5 months now, and they have promised to make everything right and have done exactly NOTHING. All of my overpayments toward my escrow are NOT in my escrow account and I have received NO correspondence about correcting these ongoing errors nor have I received any correspondence about the Escrow Audit. 
I will now be socked with a massive tax bill at the end of XXXX, and I am done playing with these incompetent and unresponsive people.
Consumer complaint received 2018-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I Disputed online with both Transunion and XXXX. They would not provide me with verification or validation on XXXX and XXXX XXXX Negative accounts on my report. They simply put a statement on my report that says verified. I redispute and still no resolve.
Consumer complaint received 2021-06-25
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. (PA)

I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Consumer complaint received 2018-10-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NC)

In XX/XX/2018 The Company executed the foreclosure on the DEED AND TRUST of my late father 's home. 
I have reason to believe that the company did not have possession of the NOTE to enforce the foreclosure on the DEED AND TRUST. 


The home was foreclosed on and I am still searching for the NOTE.
Consumer complaint received 2018-10-22
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: Credit Karma (AZ)

There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX/XXXX XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact Credit Karma to resolve the issue, CK tells me to contact the business to get it cleared up. 



There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX/XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact Credit Karma to resolve the issue, CK tells me to contact the business to get it cleared up. 


There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX/XXXX  XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact Credit Karma to resolve the issue, CK tells me to contact the business to get it cleared up.
Consumer complaint received 2022-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MO)

FedLoan is my current loan servicer and after multiple emails, attempted phone calls ( some of which I was on hold for over an hour after THEY returned my call ), I have yet to be able to find up to date or accurate information/guidance on my TEPSLF progress. I would like more clear and accurate communication and less misrepresentation of actions they have performed on my account. Ive been sent letters that state an inaccurate about payments for TEPSLF that they say dont qualify when my records from studentaid.gov / XXXX show that the payments do qualify under the new guidelines.

I have several ineligible payments from my loans being automatically being put in in school forbearance during XXXX  school when I was working and able to pay but was advised not to because those payments would not count towards forgiveness.

FedLoan is misrepresenting their efforts and neglecting their responsibilities as a loan servicer as their accounts are clearly not accurate but FedLoan claims they are. Ive worked in XXXX for 13 years and have either made 120 qualifying payments towards forgiveness or had been mislead and instructed not to do so because that was what was best for the company, not for the costumer.
Consumer complaint received 2022-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I HAVE FILED DISPUTES AFTER DISPUTES FOR A VALIDATION NOTICE AND I CONTINUE TO GET THE SAME RESPONDS AND THEY ARE REPORTING IT AS ACCURATE INFORMATOION BUT NOT REPORTING HOW THE INFORMATION WAS OBTAINED I HAVE SUPPLIED A LETTER FROM THE ORIGINAL CREDIOTR SAYING THEY DO NOT REPORT TO THIRD PARTIES AND THEY STILL WILL NOT REMOVE THE ENTRIES FROM MY CREDIT REPORT CAUSE THEY ARE NOT RECEIVING THE INFORMATION FROM THE ORUIGINAL CREDITOR. 
SO IN THE LETTER THEY ARE SENDING STATING ITS XXXX INFORMATION WHERE IS THE VALIDATION OF THE ENTRIES AND WITH WHOM WAS IT VERIFED WITH AND WHAT IS THERE POSTION ADDRESS AND TELEPHONE NONE OF THAT IS INCLUDED IN THEIR RESPOND.
Consumer complaint received 2019-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (AZ)

OnXX/XX/2019 I settled a XXXX XXXX XXXX XXXX account with XXXX XXXX XXXX and they sent a letter that the debt was paid in full and removed it from my credit reports. On XX/XX/2019 I had alerts from XXXX stating an account was added to my credit reports from Diversified consultants for the same XXXX XXXX XXXX XXXX account that was paid and DCI claims they had the account since XX/XX/19 and they never informed me with a letter, phone call or anything. On XX/XX/19I called and spoke with XXXX XXXX and she informed me that they did not have to inform me that they had an account in their office and they were within legal right to report this account to the credit bureaus without any notice to me. I submitted proof of the paid account via email to DCI following my phone conversation on XX/XX/19 and they received it onXX/XX/19. I spoke with XXXX XXXX again onXX/XX/19 and she stated that the dispute was opened on XX/XX/19 and that it will take 7-10 business days for an update and or removal. I called back again today XX/XX/19 and spoke with XXXX XXXX who stated there aren't any updates and that it is going to take up to 45 days for any response from XXXX XXXX XXXX. When I did not accept that answer he became nasty and I asked to speak with a supervisor he transferred me to the voicemail of XXXX XXXX, which I left a message explaining that I am filing this complaint and that I am also requesting a callback within 24 hours. I have had nothing but issues with this company and they are always reporting illegal and unverified accounts to my credit report and this is getting out of control. I was in the process of purchasing a home and this knocked me out of financing and I am considering filing a lawsuit.
Consumer complaint received 2022-07-10
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2022-03-11
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. (MI)

My updated credit report from Experian was reporting a lot of inquiries that are not connected to me. The inquiries posted should not be on my report because I have neither inquired nor reached out to anyone of them. If XXXX has made an extensive investigation about this, they should have removed all these inquiries. However, they have not their duties of either confirming the items and/or reaching out to me to notify. Here is the list of the unauthorized inquiries XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX AXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXE Date XXXX inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXA Date of inquiry XX/XX/XXXX XXXX  XXXX NA Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXE Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2018-10-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

The phone number being called on the weekends is a business phone. The company is attempting to contact people who do not work at this business. I have requested that the company stop calling twice already in the past week but they persist. The company is Portfolio Recovery and the # is XXXX
Consumer complaint received 2017-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (TN)

I just checked  XXXX   XXXX  on  XXXX   XXXX ,  2017  and a collection from a debt collector is there with an original debtor I have never heard of or have ever been in anyway associated with. I ca n't even figure out who they both are and what the debt represents. It seems that this is happening to many other consumers.   This is the info I have  : DEVILLE MGMT COLLECTIO N/CHARGE-OFF Status Type : Other Date Reported :  XXXX   XXXX ,  2017  Payment Status : Collection/Charge-off Account Status : Derogatory Amount Past Due : Not Reported Account Details Original Lender :  XXXX   XXXX    XXXX   XXXX   Account Number :   XXXX   Account Type : Not Reported Responsibility : Individual Credit Limit : Not Reported Highest Balance : {$2400.00} Payment Details : Amount Past Due Not Reported Date of Last Payment : Not Reported Monthly Payment : Not Provided Payment Frequency : Not Reported Lender Info :  XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  Remarks : Placed for collection.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: ACS Education Services (PA)

My reports shows I lived at an address I never lived at and was reported on XX/XX/XXXX by ACS/XXXX  XXXX XXXX and/or creditor it was sold to-XXXX XXXX XXXX on XX/XX/XXXX. 
ACS/XXXX XXXX XXXX XXXX Account opened on XX/XX/XXXX. It also reports on XX/XX/XXXX I was 90 days late and on XX/XX/XXXX 60 days late. I have sent in copies of divorce decree showing ex husband is responsible several times over the years with no update. The loan is closed as of XX/XX/XXXX. He received the bill while he was living in Virginia while account still open and was making payments as of XX/XX/XXXX and I did not receive a bill as I lived in Pennsylvania. It shows he paid XX/XX/XXXX and then suddenly was 60 days late the next month of XX/XX/XXXX and then suddenly 90 days late on XX/XX/XXXX. How is that possible? I was not aware of this bill and have asked several times that this delinquency be removed from my credit report.
Consumer complaint received 2017-06-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I got a   XXXX   XXXX    (  now Navient ) loan to attend  XXXX  College in   XXXX  . I attended about have the sessions required as the  Professor  was not perfessional and the student assistance they claimed they offered was false & they would do nothing each time I need something. I decided to cut my losses & end the program as they were useless. I want to have my loan for over {$3500.00} forgiven & deleted. The school closed as it made false promises to students deseperate for an education to be come employed. I refuse to pay for something I got no benefit from. I have called   XXXX   XXXX    &  now Navient many times as this loan has put me in debt & the interest keeps accumulating. I can not afford to pay it.
Consumer complaint received 2022-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Due to an encounter with a scammer, we attempted to recover a {$4900.00} wire sent on XX/XX/XXXX. The normal interbank recovery channels could not recover the wire, so I contacted the receiving bank, XXXX XXXX, for help. They advised that they needed a Hold Harmless Letter from our bank, Chase, to provide further help. 
I requested help obtaining this letter through phone calls, secure online messages, and in-person branch visits. I was directed by representatives by phone and secure message that any branch could help and we needed to talk to a banker. We did so, but every banker and supervisor was completely unaware of a Hold Harmless Letter. 
From my first visit, a banker promised to research the letter and get back to me, but I never received a follow-up communication of any sort. I went to the same branch a second time and spoke to a XXXX XXXX XXXX, a Vice President and Bank Manager of the Chase branch on Montana and XXXX in XXXX XXXX. However, XXXX XXXX was dismissive and rude to me, refusing to help in any way and walking away as I attempted to speak to him. 
I am utterly dismayed that all of Chase 's international infrastructure and reach is nullified by one particularly impolite, inconsiderate, and unhelpful representative that apparently is the only one who can help me obtain a specific type of letter. All of the other channels and departments, including the branch I visited, had little to no information on a Hold Harmless Letter, and none so far have been able to adequately help me. 
Though this letter may be uncommon, I expected a large and well-known bank such as Chase to be able to provide me with more help than referring me to other departments and finally to an essentially antagonistic and belligerent bank manager who simply refused to talk with me at all. I feel abused and scorned by the very bank representatives that I thought were supposed to help me in every way possible.
Consumer complaint received 2022-03-11
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: EQUIFAX, INC. (MI)

This inquiry was unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, this must be an error with Equifax investigation. I have already addressed this issue to Equifax but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see this inquiry that should be removed : XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

There was fraudulent activity on my credit card of more than $ 4K, which was reversed. However, the associated fees and interest were not reversed. I have tried on multiple occasions to call and each time told there is a several hour hold time to speak to a specialist. My call was also disconnected twice. They also refused to allow me to speak to a manager.
Consumer complaint received 2019-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (PA)

On XX/XX/2019 I was checking my credit report on XXXX XXXX, and there is an account in collections on there. I check the account because I was unaware that I owed this alleged debt. I have never received any written communications nor telephone calls from this company.
Consumer complaint received 2024-03-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL (NJ)

Oxygen XL is attempting to collect a debt that is not mine... I completed a form to inform Oxygen that the debt is not mine but they diregarded the information and are now attempting to collect fraudulent debt from me.
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CA)

On or about XX/XX/2019, I initiated a fraud dispute with American Express concerning multiple fraudulent charges made to my account in XXXX and early XXXX of 2019. I was asked to submit an affidavit declaration of fraud form which I complied with and advised that I would receive an update concerning my dispute within 10 business days including a provisional credit to my account. On XX/XX/2019, I received an email advising me that my dispute had been denied because American Express had determined the charges to be valid. Since I know that I did not authorize any such charges, I asked American Express to send me copies of any documents used by them to substantiate the denial of my claim. As of todays date, my requests for such information has been denied. Notably, my subsequent research revealed that American Express has engaged in this unlawful behavior with Serve prepaid customers before. I was referred to as a down-market customer, and my requests for resolution has been ignored. Ive filed a small claims lawsuit which is pending for a XX/XX/2019 hearing. Most disturbingly, however, when I advised them that I have filed a lawsuit my account was suspended. As American Express is well aware, it is against federal law to retaliate against a customer for filing a fraud claim. American Express has flouted the law on this matter.
Consumer complaint received 2018-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

I received an alert that this company has reported a collection account on my credit. 
I have not received a dunning letter or any type of communication regarding this debt. This company needs to follow the proper debt collection protocol prior to adding an account to my credit without proper validation.