davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I had an account with both Bank of America and XXXX XXXX. My account with BankofAmerica was closed due to a false mobile deposit that I did not incur. I later realized I was HACKED of my main XXXX Account, which holds ALL of my personal pieces of information. In XXXX, I filed a police report, called XXXX major credit companies. I am still having problems with BankofAmerica for I can not open a Bank Account anywhere in my city where I receive Social Security XXXX, for over 5 years. I need to know what do I do next for I have not been receiving any responses. I have copies of each letter that was sent and received.
Consumer complaint received 2023-08-01
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. (TX)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2022-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

In XX/XX/2021 XXXX XXXX did not apply my payment. I have a letter from XXXX showing the money sent and XXXX XXXX failed to apply. I spoke with a XXXX XXXX employee in XXXX, XXXX, XXXX and XXXX to try to get this corrected. Each employee had diffrent responses to the issue. The one said I see we received your payment however you have a new loan number, i asked when did my loan number change, she was unable to tell me this and hung up on me. When i called back i was told the loan number did not change, that my late fees would be waived and XXXX would be applied. On XX/XX/XXXX i received a statement saying i was 45 days late on 2 payments, XXXX bank shows the XXXX payment was cashed XX/XX/XXXX, however it was not applied. Also for XXXX was not recorded. I have my payments go out automatically every month through XXXX bill pay, they send the payment by the 4th of the month every month, i have never missed a mortgage payment ever. Late fees are continuing to accrue, i pay {$1600.00} a month on a regular payment of XXXX, my funds are not being applied correctly to the additional principal payment. In addition i submitted a credit reporting error in which the servicing company rejected, now creating damage to my credit score. The bottom line of the issue is they never applied the XXXX payment which the representive confirmed that she saw it but was applied to a different loan number!
Consumer complaint received 2019-09-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (WA)

Went to make XX/XX/2019 payment and was told by Chase Mortgage that my loan was sold to XXXX XXXX. I never recieved any notice or paperwork. Chase states they sent paperwork out on XX/XX/2019, to my home address where I dont get mail and not my PO Box . Chase states they did not have that address yet I have continually receive payment coupons and letters from them at the correct mailing address. I did not get 30 day notice eirther. I asked to have them resent out ... ..I call the new mortgage lender and they did not have my mailing address eirther and have not had any paperwork from them. I did update my mailing address with them and verified it online. I now have to make payments over the phone instead of a brick mortar office ... .will try to day and hopefully all will be well
Consumer complaint received 2022-03-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ATG Credit, LLC (IL)

On XXXX ATG responded back to case # XXXX will a bill stating that they notified me, please look at the address on the bill it says XXXX XXXX XXXX XXXX I haven't lived there since XX/XX/21. My new address is XXXX XXXX XXXX XXXX, IL XXXX. So they never gave me a chance to responded and they bogusly placed this on my credit report without giving me an option to pay or settle if it's truly my debt, but a bill don't clarify that it's my debt. Where is my signature stating that it was me that received the medical attention. Then what they uploaded has a 0 balance. I'm confused as to why this is on my credit report at all.
Consumer complaint received 2019-09-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NJ)

I have 4 accounts with Midland Credit Management and they refuse to work on a pay off they want a down payment of XXXX and I told them I can only do XXXX as a down payment and a monthly of XXXX which is what they asked or XXXX which is what I offered and they refused ... .. They are not working in good faith for a difference of only XXXX dollars that they can break up over into the payments. Mind you THEY OWN THE DEBT which they bought from the creditors .... I refused to be pushed into such a big downpayment, so I hung up on them ... ..PLEASE Help because I want them to accept the settlement and delete this off my credit as they stated they can do.
Consumer complaint received 2021-01-26
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: Experian Information Solutions Inc. (CA)

Hello my name is XXXX XXXX, I have looked into my credit report and I have some concerning issues considering the information being reported in my credit report. I have looked into the Fair Credit Reporting Act and I have to question some of what it is I am seeing being reported in my name. How can child support be reporting on a credit report when its considered to be a Judgement from the courts.
Consumer complaint received 2020-09-23
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. (GA)

I believe that I am a victim of identity theft and filed a dispute with the credit reporting agencies in regards to it, per section 605B of the Fair Credit Reporting Act. I never received any notifications in regards to the results of the alleged items. It has now been over the allotted time period for when the bureaus are legally obligated to respond to my request. The initial letter was sent certified mail on XX/XX/2020 and was received by the credit bureaus on XX/XX/2020 & XX/XX/2020. I have yet to receive any responses and it has been well over the designated legal time period.
Consumer complaint received 2022-03-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CNG FINANCIAL CORPORATION (MI)

On XX/XX/XXXX I applied for a loan through XXXX. The loan was for {$2500.00}. I was told over the phone that I would be billed $ XXXXMonth on the XXXX of each day. On the XXXX of XXXX I was billed again for the same price ( {$240.00} ). I called the toll free number to dispute it but was told that I signed a contract to be billed bi/weekly for 18 months. I was never told this. I asked a couple of times to be sure that it was only one billing per month. There is no way I would have ever signed a contract for a {$2500.00} loan if I knew that I was going to have to repay them a total of {$8600.00} over 18 months!! I asked the gentleman if I could repay the {$2500.00} in one lump sum and avoid the penalty fees and he told me that wasn't an option.
Consumer complaint received 2018-12-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

Creditors Name : XXXX XXXX XXXX XXXX Account # XXXX Account Type REVOLVING Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated XX/XX/XXXX Credit Limit {$1000.00} Past Due Amount {$1300.00} Terms Revolving Responsibility Individual Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Consumer complaint received 2022-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NY)

On XX/XX/XXXX, my mortgage was transferred to BSI Financial Services. BSI is a mortgage servicer located in XXXX, Texas. As the mortgage servicer, they are responsible for paying my insurance and taxes. 

My insurance payment was due in XXXX and I had to navigate assisting BSI with paying the insurance. Unbeknownst to me, my property tax payment of {$3400.00} was also scheduled to be paid in XXXX. On XX/XX/XXXX I called BSI to inform them that they had not paid my property taxes for XXXX. I was told by a representative that they were behind with paying property taxes and it may take a couple weeks to make a payment. I was not satisfied with that answer so I called back, spoke to another representative who told me she would expedite my claim and my taxes " should be paid. '' I informed her that because the payment is late it has incurred interest and the balance is {$3500.00}. She informed me that the late payment fee would be incurred by BSI. On XX/XX/XXXX, I called to get an update on payment, I was informed by a representative that no payment has been made and he will send an email to the escrow department regarding non payment of my XXXX taxes. When I asked to speak to someone in escrow, I was told they don't speak to customers. I explained to the representative the seriousness of my taxes not being paid and as a result, a lien could be placed on my property. I was told all he can do is send the email. It should be noted that I have the money in my escrow account to pay the taxes. 

BSI is a company that has a reputation for acquiring mortgage loans and not paying insurance or taxes in a timely manner. As a result, the homeowner is left having to cover the penalties for late payment. In XXXX, BSI was sued for faulty handling of mortgages, insurance and tax payments. Unfortunately, they are still continuing with the mishandling of paying consumer bills in a timely fashion. As a result, the consumer is left to deal with the consequences of late or non payment.
Consumer complaint received 2018-12-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collins Asset Group, LLC (TN)

I had an auto loan in 2013 through a company. I paid the loan for two years, but also told the company that the dealer sold me a lemon. The truck didnt work anymore. I paid the loan down to about {$390.00} and I had a XXXX. The loan company stated that if I let them get the vehicle once its sold that should cover my balance owned. Now 5 years later a debt collector says I owe {$8900.00} for unpaid debt. I tried to explain, but they dont want hear it. I only paid {$12000.00} for the truck back then. They are scamming me and I cant do anything about it.
Consumer complaint received 2021-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (PA)

I have sent all three credit bureaus XXXX level of dispute letters and contacted each creditor reporting inaccurate negative items on my credit report. Each time i have either no received a response or it came back verified without explanation on how it was verified and how did they prove it was my account to begin with. Both the creditors and Credit bureaus have been in complete violation of my rights writing in the Fair Credit Reporting Act and causing me to have a tough time obtaining knew credit. Below I will list each of the creditors that i have sent validation letters to and received nothing back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (TN)

On XX/XX/22, my husband and I contacted Aidvantage to setup payment plans for when our student loans resume after forbearance ends. We needed this documentation to send to our mortgage lender because we are trying to purchase our first home. We were given quotes about the payments ( {$260.00} for me and approx. {$500.00} for my husband ). We received documentation of the payments we were given via email on XX/XX/22. On XX/XX/22, we received different emails with much higher payments ( {$590.00} for me and {$620.00} for my husband ) than what was previously communicated. We both spent hours on the phone to find out that the representative enteres our income information in incorrectly. On XX/XX/22, we called again to request that they recalculate the payments. The reps that we spoke with did that and gave us new payments that we agreed to ( {$270.00} for me and {$360.00} for my husband ). They told us that we should have the information emailed to us the same day. We did not receive that information. So I called back today, XX/XX/22, to check the status of the documentation. The rep said that she had no record of the payment plans that we set up. She then proceeded to reprocess both of our my payments. My payment was close to the same as what I've received on XX/XX/22 ( {$270.00} ). My husband 's payment was nearly double the about that they gave us on XX/XX/22 ( {$730.00} ). I escalated the call to a supervisor ( XXXX XXXX ) and requested that she pull the call from yesterday. She confirmed that we were given incorrect information but stated that she could not get the payment any lower. No one was able to provide us with any type of documentation on any of this. After being in the phone for over 4 hours today, my husband looks in his email and finds a letter from Maximus ( we just found out today that Maximus ' dba is Aidvantage ). It was the letter confirming the {$360.00} payment plan that no one seemed to have any idea about. So this documentation proves that the plan was processed for that amount. Both of us suffer from severe anxiety. This whole situation has caused us immense amounts of stress which has put our physical and mental health in jeopardy. At this point there is still no resolution because I still have yet to receive documentation of my payments to give to my lender so that out file can go through underwriting. We have been given incorrect information multiple times. We have spent hours on the phone to get simple documentation. This has been egregiously mishandled and no one seems to care that this may jeopardize the purchase of our family home. This is unacceptable and I demand a resolution.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

XXXX XXXX states that I owe them {$130.00} from a closed credit card account that I never opened and has reported for the past year that I have not made a payment on the account. 
XXXXXXXX XXXX stated that on XX/XX/XXXX I opened a account for a secured card in the amount of {$300.00} at a address in which I never lived. They closed the account on XX/XX/XXXX after showing the account in good standing for a few months. This account was opened fraudulently by someone other than myself. Account number begins # XXXX I asked if XXXXXXXX XXXX could please send me a debt validation letter and they never have and Ive been asking them for the past year.
Consumer complaint received 2018-12-26
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: Experian Information Solutions Inc. (FL)

I am a victim of identity theft and the criminals tampered with a new car loan that I started with XXXX XXXX  in XX/XX/2018 by stealing my mail and other documents that were set up between XXXX XXXX the car dealership where I purchased the vehicle from. Also, he or she called into XXXX XXXX  and changed personal information of mine such as my mailing address associated to my auto loan. 
In addition to the identity theft crime ; checks that were placed in my mailbox were stolen from my outbound route and were cashed from an unknown third party which the back is investigating and has credited me the funds. In result to that, I have received 30-59 Days Late days late on my credit profile for XX/XX/2018 and XX/XX/2018. 
I've contacted XXXX XXXX  via phone and certified mail providing my explanation of the identity theft, XXXX XXXX Police report, United States Postal Police Identity Theft Report, and FTC report about this matter and was instructed there is no way to fix the inaccurate information that was reported to the Credit Bureaus
Consumer complaint received 2021-07-19
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: Experian Information Solutions Inc. (MA)

Submitted a dispute to Experian about incorrect information reported from XXXX XXXX on my credit report and they updated the account with information that I still owe XXXX money. I tried to submit a new one and it was rejected. XXXX XXXX is reporting a repossession/charge off on this account and that is incorrect because I paid off the account and still have the vehicle. XXXX XXXX has yet to send me my vehicle title and it has been over 3 months now. XXXX  still has incorrect information on my credit that is destroying my credit.
Consumer complaint received 2022-03-01
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: EQUIFAX, INC. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-07-18
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 have been a victim of identity theft. Someone is using my personal information attempting to open several different accounts. I spoke with a representative and they instructed me to send in this identity theft report.
Consumer complaint received 2022-07-09
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. (IN)

See Attachments Sent Certified mail XXXX They are in violation of 15 U.S. Code 1692g ( b ) 15 U.S. Code 1691 ( a ) ( 3 )! 5 U.S. Code 1691 ( d ) ( 6 )
Consumer complaint received 2023-08-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

To Midland Credit Management and XXXX XXXX XXXX XXXX DATES OF ATTEMPTS XX/XX/2023 XX/XX/2023 XX/XX/2023 This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for XXXX made pursuant to the above named Title and section. I respectfully that your office provides me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove that the Statue of Limitation has not expired on this account ; Show me that you are license to collect in my state ; and provide me with your license numbers and registered agent or agent of service. 
If your office are unable to submit the requested information, I request immediate removal from credit report. if your company is able to provide the requested information I require 30 days to investigate this information and during such time all collection activity must cease and desist.
Consumer complaint received 2022-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

We have attempted several times to get information on the following issues : 1. Payoff on the property 2. Cancellation of Escrow 3. Who is the lender or lienholder 4. Remove Second mortgage We had an attorney to do reserch on the second mortgage and it was found that there is not one. Nor is there any paper work to support this. We have been trying to get this matter corrected for over 10 years and still not one will explain how this happened. We want a payoff on the property but for whatever reason we are unable to get it we have reach out by phone and email and we continue to get messages stating that they are working on it. We ask for a cancellation of Escrow we filled out the neccessary forms and submitted them but their reply was we are unable to cancel the Escow because of the second mortgage. We do not have a second mortgage on the property. We also have reserched and found out that the property is in a Trust and we are trying to contact them by email with no response. The Servicer Rushmore did not give us any information about the lien holder we had this researched that is how we found out.
Consumer complaint received 2019-09-16
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: Resurgent Capital Services L.P. (CA)

I have learned that LVNV has listed two erroneous accounts on my credit reports. The amount for each tradeline is almost identical to the penny. These are not my accounts. They weren't my accounts. They also show as OPEN collection accounts in violation of the Fair Debt Collection Practices Act and the California Rosenthal Act. I've disputed them directly with LVNV who has refused to validate either account. I have disputed with the major CRA 's, but LVNV has " verified '' the information with the CRA but fails to delete tradeline.
Consumer complaint received 2021-07-18
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. (TX)

I have been a victim of identity theft. Someone is using my personal information attempting to open several different accounts. I spoke with a representative and they instructed me to send in this identity theft report.