davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KeyBridge Medical Revenue Management (OH)

Medical debt went into collections on XX/XX/2022. Once I realized it had gone to collections, I paid it off on XX/XX/2022. It posted on XX/XX/XXXX per the debt collection agency. On XX/XX/2022, this debt reported as derogatory on my XXXX account. I called on XX/XX/XXXX to get them to correct the error and show it being paid in full so it would go ahead and fall off my credit. I expected it should take a few days for them to process the payment, I was just unsure why they reported the derogatory after I paid it and before the 6 month reporting window for XXXX XXXX debt was expired ( now extended to 12 months ). I was told by them that they were over a month behind on reporting to the agencies and it would be done by the end of XXXX. This has already damaged my credit score lowering it over 30 points, and I tried to get the collections agency to report it as paid in full so the bureau would remove it as per the new law and they stated it was company policy to report all XXXX XXXX debts within 30 to 35 days of receiving them and that their policy did not apply the 6 month ( now 12 month ) waiting period for medical debts as per federal law. Prior to all this, they failed to mail all required disclosures to my home address as they had the incorrect address so I was not notified until later.
Consumer complaint received 2021-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There are third party XXXX collections on my credit report that do not belong to me and I did not authorize. This is a violation of the HIPPA act. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

At the end of XX/XX/2021, I exited the COVID-19 forbearances for my loan into COVID-19 Payment deferral arrangement. My payments since are on time factoring in delays on the bank side in finalizing the COVID-19 Payment Deferral Arrangement. However the bank has charged me late fees and charges on my loan, has reported me as not current to the credit bureaus and has started moving the property to foreclosure. 

Bank/Mortgage Servicer details : Specialized Loan Servicing : Part of the XXXX XXXX Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX
Consumer complaint received 2022-07-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (CA)

I have attempted to contact this agency multiple times at XXXX, as well as XXXX. I called at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and twice at XXXX on Tuesday, XX/XX/2022 which is listed as open business hours, and keep getting a recording saying " we can not accept your call '' or " we are currently closed. ''
Consumer complaint received 2022-10-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NY)

XXXX  XXXX receives automatic monthly payments from XXXX for a mortgage. Ditech changed payment amount without proper notice. After receiving a monthly payment of {$3700.00} on XX/XX/2018, they still assessed a late payment of {$61.00} despite of the due date being XX/XX/2018. 

Ditech received and cashed the payment 2 days early and assessed a late fee. 

Ditech is to adjust the bill and remove the late fee.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dispute # 1 XXXX/XXXX inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. Banks and XXXX XXXX XXXX XXXX phone number XXXX Dispute # 2 XXXX credit card company phone number XXXX XXXX XXXX XXXX Florida XXXX Inquiry date XXXX These two inquiry showing on my TransUnion consumer report are both fraudulent I did not consent to these inquiries they were done against my will and knowledge
Consumer complaint received 2021-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I am receiving mail for debt that was never mine but rather the responsibility of my XXXX  insurance company. The error has been corrected, but I am still receiving harassing mail from third parties I have no business with. The latest is Credit Collection Services - XXXX XXXX XXXX, XXXX, ma.
Consumer complaint received 2019-08-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (ID)

My name is XXXX and last XXXX I got a new phone number. The person ( XXXX ) who had this number before me has had numerous debt collectors looking for her, cash loan companies who text and call all day long. I called Cash Net USA and asked to be removed from their list since I am not the one who has/had a loan, and they refused to remove me. 
I get calls all day long and voicemails everyday from them. I want it to stop immediately. Every day I get an 11-20 second voicemail asking me if I want to claim the money I have been approved for. I have blocked the number on my phone and still get 5 calls minimum a day from them.
Consumer complaint received 2024-05-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (KY)

As of today Wells Fargo still hasnt granted my loan modification after submitting all paperwork, check stubs, and bank statements. They came back and said I have no income! 

I filed a complaint in XX/XX/XXXX Complaint No. XXXX regarding Wells Fargo not allowing me to do a loan modification after they allowed me to do the loan forbearance/deferment during COVID. This is a follow up to that complaint. Original Complaint : My ex husband, XXXX and I obtained a mortgage loan with Wells Fargo in XX/XX/XXXX. The mortgage was in XXXXXXXX XXXX name alone however I was listed on the deed. In XXXX we did a loan modification due to a financial hardship and it the listed XXXX and I both as borrowers. In XX/XX/XXXX XXXX and I separated and he moved out of the home. I continued making the payments on time. XXXX XXXX, XXXX I log into my Wells Fargo account to make my mortgage payment and something about forbearance immediately popped up. There was no wording about having to do a loan modification if I opted into the program. The information read like they would put payments at the end of the loan. I decided to do it with this understanding. I thought could payoff some other debts during that forbearance period. XX/XX/XXXX the forbearance ended and I had to start making the payments again. Then Wells Fargo called us saying we had to do a loan modification for the forbearance time period even ifwe continued to make the payment after the forbearance. I would have never opted into that program if it had said anything about a loan modification. Then we were told we were not eligible for the loan modification because XXXX no longer lived in the home. We were served with Foreclosure paperwork on Saturday XX/XX/XXXX. They will not allow me to do a loan modification by myself because they say I am not a borrower however the XXXX modification clearly list XXXX and I both as borrowers and we both signed as well and it is filed with the circuit clerks office as such on XX/XX/XXXX. The foreclosure paperwork includes interest, late fees and attorney fees as if Inever did the forbearance ( cares act stated they are not allowed to charge these fees during that time of forbearance ) Please advise. Thank you! XXXX XXXX XXXX. After this complaint they said we had to submit paperwork about filing our Quit Claim deed and I would be listed as a successor of the loan and then I could do the loan modification in two steps. The first step ( 1st modification ) being me listed as the successor of the loan then doing the financial loan modification. XXXX and I submitted all required paperwork and now they are denying the loan modification saying I have no income! Please help!
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: V and H Portfolio (FL)

XX/XX/2021 I mailed a certified dispute letter to VANCE AND HUFFMAN LLC and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/2021 I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over XXXX complaints on XXXX  they also have over 100 complaints with the CFPB. VANCE AND HUFFMAN LLC has failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

IHAVE MUTIPLE I NQUIRIES THAT I HAVENT AUTHORIZE I HAVE APPLIED FOR CREDIT IN A YEAR HAVE MUTIPLE INQUIRES ON  XXXX  CREDIT TRANSUNION,  XXXX ,  XXXX  FILE BANKRUPTCY DISCHARGE AND HAVENT USE OR GAVE ANYONE MY INFORMATION SEEN ALL TYPES OF INQUIRES THAT I HAVENT REQUESTED.
Consumer complaint received 2024-04-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (PA)

I have yet to receive any response from the company regarding the allegations made against my collection methods. Please note that I am not familiar with this company, and would appreciate any communication regarding this matter. Thank you. 

CREDIT COLLECTION SERVICE Balance owed {$330.00} Balance updated XX/XX/2024 " I want the following collection to be removed from. '' XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Concord Servicing Corporation (AK)

On three separate occasions, Blackwell Recovery has called my cell phone and then immediately hung up when I answer. When I attempt to return the call, I am placed on hold for 3 minutes, and then hung up on. I know that it is Blackwell Recovery, because they identify themselves that way on the automated answer to my call. I don't know of any account that I have in collections, and I don't know what Blackwell Recovery believes I owe, or how much they believe that I owe, because they refuse to speak with me.
Consumer complaint received 2021-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am not an attorney nor a third party I am filing this complaint due to a previous complaint that was never addressed by the credit bureaus. I have filed a police report over the fraudulent account from XXXX XXXX XXXX # XXXX. Plus there was some information on my report that is inaccurate. I am in the process of starting my new business and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 605b, 623, 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute is listed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX I have a copy of my ID and SS Card for verification purposes. 
Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX, OHXXXX XXXXXXXX XXXX XXXX XXXX XXXX, OHXXXXXXXXXXXX
Consumer complaint received 2017-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

Tried to send money to someone I owed through papal. Spent over 45 minutes with them verifying all my information and they said we are refusing this transaction and there is nothing can be done. There is no means to rectify this situation through paypal. They said this a ip problem and even after verifying everything PayPal is still refusing to make the transaction, that I require them to make even though all fraud possibilities have been taken care of. <P/>Paypal rep : XXXX ID Number is XXXX He is suppose to be a supervisor in the business support department located in Nebraska Call Reference Number : XXXX says there is no number for the call recording XXXX has refused to give me the regulatory body in the government that overseas them. To prevent me from filing a complaint against PayPal for refusing to allow me to us my money in the way I want to use my money. Even after going through extensive verification process.
<P/>
There is no other department and PayPal does have a complaint department that I can talk to or have access to. Compliance department no will be provided there either. <P/>XXXX said he did file a complaint internally. XXXX just checks a box and does not understand anything about the complaint process. Expect ALL PAYPAL IS REQUIRED TO DO IS PUSH THE COMPLAINT BUTTON.
Consumer complaint received 2018-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XXXX needs to be removed from my credit report. I don't owe anything to this company or to XXXX XXXX XXXX All of my rent have been paid in full. If this is not removed within 30 days, I intend to file suit.
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 I received a letter from Chase bank informing me that the bank had paid a recurring charge of {$4.00} for a monthly XXXX Saturday paper delivery. At the time of the transaction there were not any funds available, but the bank paid the transaction. However, I was charged {$34.00} for the 'transaction ( s ) we paid '' or 850 % more than the original charge. How is this even legal? How is this morally right? It's hard enough to run a small business and yet banks like Chase make it harder. This isn't the only outrageous charge on the account because this 'paid transaction ' has set up a domino of other transactions being 'paid ' and as a result there are even more fees. Why is this allowed?
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Company is reporting incorrect information to the Credit Bureaus. Company is stating that there have been some recent missed payments in which it has not. Company has either sold this debt or refusing to correct this information with the Credit Bureaus. 


The account is more than 6 years old. There are 365 days in a year. THERE HAS NOT BEEN IN RECENT ACTIVITIES MADE ON THIS ACCOUNT. 

The company should not be reporting false information to the Bureaus. I have documentation that will be attached to this compliant showing that this company has reported incorrect information more than one time.
Consumer complaint received 2021-12-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Merchants Acceptance Corp (FL)

The creditor is called Merchants Acceptance Corp . The collector XXXX XXXX XXXX gave me options by mail can not pay they already took me for judgment during me for {$2800.00}. Its over a XXXX XXXX I purchase 2018. I Did contact call the Merchants Acceptance CORP last year ask them if I can lower my payments when Covid hit so did the income. The guy was very rude and threatened me still had to pay same monthly payments. I tried to work with them I was paying. Then did got a job had to pay for other stuff rent food etc. I did get sick with XXXX took me over 3 months or more to get better. I have XXXX also. This is not right I am getting sued over a XXXX During the pandemic which I was willing to give the item back they refuse it or make lower payments. So I didnt bother with them had to focus more on my health and family during this pandemic time.
Consumer complaint received 2018-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX being reported on Experian as closed, charge off, transferred to another lender or claim purchased and last payment made in XX/XX/XXXX, however, on XXXX this account is reported as 100 % on time payments with card lost or stolen, and account closed XX/XX/XXXX, which is true. Also, being reported on XXXX   as card lost or stolen and closed as well.
Consumer complaint received 2016-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Real Title Agency, LLC (OH)

I closed on my property on XXXX/XXXX/15. I received a voice mail by the Escrow officer, XXXX XXXX, at the ohio real title agency on XXXX/XXXX/15 and was told to bring {$5200.00} certified bank check to closing on XXXX/XXXX/15. Upon closing on XXXX/XXXX/15, the notary from Ohio Real Title stated that they had not yet received the final closing disclosure from XXXX XXXX of XXXX. After reviewing and signing the documents that were on time and available at my closing on XXXX/XXXX/15, first federal had submitted the final closing disclosure to ohio real title which was then faxed to the location where I was signing the final documents. The final closing disclosure showed the amount cash to close for {$5000.00}. At that time, I was advised by the Ohio Real Title Agency Notary that I would receive a refund for the exact amount that I had over paid with my certified bank check, due to the escrow officers error in telling me the incorrect amount to bring to closing. About XXXX week later, I received a check in the mail from Ohio Real Title for the amount of {$110.00}. I called the escrow officer, XXXX XXXX, and the Post closing manager, XXXX XXXX, and was told that I was refunded a smaller amount because of a XXXX mortgage -- -- the first time I had heard that I had a " XXXX mortgage. '' I then contacted OHFA to verifiy that I did not have a XXXX mortgage, as I was told by XXXX at OHFA in XXXX, that I did not have a XXXX mortgage and I was given incorrect information from Ohio Real Title. XXXX gave me the # for the OHFA Coordinator, XXXX XXXX, to pass along to XXXX XXXX and XXXX XXXX to verify and clarify this with Ohio Real Title. Later on, in e-mail communication, XXXX XXXX stated that I was given incorrect information in stating I had a XXXX mortgage, but I actually had a " rider '' which resulted in new additional " recording fees '' that were not listed on my final closing disclosure. The final closing disclosure that I signed on the date of closing, XXXX/XXXX/15, is not the same final closing disclosure that the Escrow Officer provided me showing the " new recording fees. '' The dates of the documents are different, and the numbers/figures are altered and not the same as the final closing disclosure document that I signed at closing. I simply would like my money refunded that I overpaid, as I was told to bring a larger amount to closing then what was needed at closing. I was to receive a refund of {$180.00} total, I received a check from ohio real title for the amount of {$110.00}, thus being short of {$72.00}. I am most concerned with the numbers and dates being altered on the final closing disclosure that I received at a later date, showing a different amount in fees. I signed a different final closing disclosure at my closing.
Consumer complaint received 2021-12-12
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: Conn's, Inc. (NC)

Account name CONN XXXX XXXX Date of request XX/XX/2021 I have an inquiry on my credit report for an activity that was not initiated by me. Conn 's XXXX called me to say that they suspected fraud and to confirm if the application actually came from me. They verified that certain things on the application did not match my info and said they would mark it as fraud and not report an inquiry on my credit report. But when I pulled my credit they did report hard inquiries on my credit reports. According to Conn 's Someone went online and tried to order a laptop from them.