davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (TX)

On XX/XX/14, I contacted XXXX XXXX XXXX to settle a debt. This debt was past the statute of limitations in my state but they would not remove it from my credit report. However, I wanted it removed so I received an offer to settle the debt. I called and settled the debt for {$140.00} less than what was owed. They then proceeded to inaccurately report it to the credit bureau so I disputed it with XXXX XXXX stated it was certified by XXXX, so I uploaded all the pertinent documents and XXXX came back the very next day and denied my request. This needs to be corrected and if you read the reviews for XXXX, this isnt the first time theyve done this to consumers. Its a shady tactic to collect more money once youve paid what was agreed to.
Consumer complaint received 2023-01-22
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: WELLS FARGO & COMPANY (TX)

I and my Fianc have been clients with Wells Fargo with separate accounts we understand that Wells Fargo has mistreated all clients and are suppose to pay accordingly we have had accounts with Wells Fargo since 2012. Well Fargo affected my credit score multiple time and my credit ratios by reducing my credit limits when I have 100 % payment history of paying on or before time. They would arbitrarily reduce my credit limit messing up my ratios causing other credit card companies to reduce my credit limits further messing up me ratios forcing higher interest rates on me because of my lower credit score.
Consumer complaint received 2019-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

I have applied for TEPSLF through XXXX  XXXX  because I have made over 120 payments in total on the standard, graduated and income based repayment plans. Each time, I obtain a response from the TEPSLF program regarding the number of qualifying payments the number of payments fluctuate and are inconsistent. I have been unable to obtain detailed information regarding which payments are deemed non-qualifying and why to attempt to rebut the in accurate findings. 

I have certified my XXXX XXXX employment beginning XX/XX/XXXX through XX/XX/XXXX. During this time period, I requested a forbearance from XXXX. Aside from this time period, I have made 123 payments, only 1 of which was late. 

I received a qualifying payment count of 116 on XX/XX/XXXX and then on XX/XX/XXXX the count somehow decreased. There have been other fluctuating payment counts that defy logic.
Consumer complaint received 2019-04-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am XXXX. Due to a rehabilitation of my home because of my XXXX, I had to move out of my residence while XXXX XXXX hired contractors rehab my home. During this time I had to not only pay the mortgage and utilities at my home and pay rent somewhere else. This caused a great financial burden on me because I couldnt afford it. I fell behind on the mortgage. 

Since then, I have been asking to have my loan reinstated and put the past unpaid payments on the back of my loan. I have had a mediation with Bank of Americas Attorney. I have submitted the documents they are asking only to find out that Bank of America was not reviewing the documents. And after I kept calling Bank of America, I was told by Customer Relations that an underwriter kept denying my loan stating that my income could not be verified. They are not telling the truth because Im on XXXX and they have a copy of my awards letter. I was also told that the underwriter stopped reviewing my loan because he/she they questioned my XX/XX/XXXX taxes. Im having concerns about that because I have never been audited by IRS and the underwriter has never asked for an explanation. It is my understanding that the paperwork sat on the underwriters desk for a long period of time ( at least a year ). 

Please help because I dont have any where to go. The price of rent is way higher than I could afford. 

Im asking for my loan and loan modification to be reinstated so that I can stay in my home.
Consumer complaint received 2021-02-18
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: Service Finance Holdings, LLC (OR)

In XX/XX/XXXX I took out a home improvement installment loan with Service Finance Company to install solar panels on my home. The next year I sold the home but continued paying the installment loan. In XX/XX/XXXX XXXX XXXX failed and I was near bankruptcy. I decided to pay as much as possible to all existing debt rather than file for bankruptcy. I made an agreement with Service Fin. and they charged off the remaining amount of {$6500.00} in XX/XX/XXXX. In XX/XX/XXXX I applied for a home loan to purchase a new house. I was denied and told I had bad repayment and credit concerns involving a past Home Mortgage loan. I have never missed a mortgage or rent payment in my life. I called and found that Service Finance reported the home improvement installment loan as a Real Estate/Mortgage loan. It will prevent me from qualifying for a home loan for 4-6 years!

I asked Service Finance to fix the error. They sent a detailed letter to the credit reporting companies telling them it was a " Home Improvement Installment loan. '' However because they categorized it as a real estate loan, XXXX and such must keep it in the mortgage section. Service Finance told me it is impossible to change this.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

THEY UPDATED SOME OF THE WRONG INFO REPORTING BUT NOT ALL I'VE SENT SO MANY LETTERS JUST FOUND OUT ABOUT THE CFPB SITE SO NOW IM TAKING THIS APPROACH. MY NAME IS INCORRECT THEY HAVE THE WRONG SOCIAL # ON FILE AND ADDRESS
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I made a payment on Bank of America XXXX app on the XXXX of XXXX but the payment did not withdraw from my account. I proceeded to make another payment on my account on the XXXX but bank XXXX proceed to flag my credit report as 30 days late when 30 days would of been on the XXXX of XXXX. I proceeded to try to resolve this issue with Bank of America over the phone by speaking to XXXX XXXX XXXX. But all I got from him was a attitude and him being rude as well as telling me maybe you should make your payment on time. Not only did that come off as rude but as well as XXXX.
Consumer complaint received 2021-02-18
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Westlake Services, LLC (TX)

Today XX/XX/2021 - Westlake Financial called my friends phone and told him how much money I owe. They also advised specifically the types fees I owed and why. This is against the law.
Consumer complaint received 2019-01-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NM)

This is the second part of the issue with this company. They fixed the first one by adjusting the payment after principle pay down only because I made a complaint to CFPB. But they have not credited me the funds for overpayments for XXXX, XXXX and XXXX.
Consumer complaint received 2019-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NJ)

I sent two certified letter to XXXX asking for information regarding the alleged debt since I KNOW I never paid anything to them. They have two accounts listed on my credit report as collection accounts paid, when I never paid them anything. They have failed to provide me any information at all regarding these alleged accounts.
Consumer complaint received 2019-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

XXXX XXXX  has created an extreme amount of stress in my life and are attempting to kick me out of my home. The received my loan via a loan transfer from XXXX in XXXX of XXXX. Prior to my loan being transferred to XXXX, XXXX gave me a modification in XXXX of XXXX. The modification deferred 30 % of my principal and gave me a 4.25 % interest rate. I was to make three payments and then XXXX was going to give me a permanent modification. However, after I made my first two modification payments for XXXX and XXXX on XX/XX/XXXX and XXXX XXXX respectively, my loan was transferred to XXXX on XX/XX/XXXX. I was not advised of the loan transfer and attempted to make my final modification trial payment due XX/XX/XXXX on XX/XX/XXXX to XXXX, but they advised me that the loan was transferred to XXXX. I contacted XXXX on XX/XX/XXXX and XX/XX/XXXX to make my final trial payment, but their representatives wouldnt take my payments because they advised that the loan hadnt transferred yet. XXXX  wouldnt take payments and I convinced XXXX to accepted the last trial payment at the end of XXXX of XXXX. Then XXXX sent me a letter and wanted me to make three more payments and offered her 6.375 % for the balance of the loan. XXXX said that the old modification fell through because I didnt make the last trial payment!!! I have tried multiple times to get XXXX  to fix this, but I am getting shut out and I see that ultimately I will lose my home through foreclosure. XXXX has set a sale date of XX/XX/XXXX on my property. I dont know what to do and am so frustrated and afraid that I will to lose my home. It is shocking that XXXX has done this to meand probably others. I am an elderly woman and there is no way I am going to let XXXX get away with this and take my home away.
Consumer complaint received 2022-08-18
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)

I received an alert that two inquiries were placed on my credit report by : XXXX  XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 I do not recognize these accounts. I did not apply for any new accounts.
Consumer complaint received 2023-08-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Recovery Solutions Group, LLC (MD)

I have written RSG requesting verification of the debt I am being sued for. The most recent letter in the form of an invoice is, to me, an attempt to circumvent the proper process that is legally binding to collection agencies and an attempt to strip me of my rights as a consumer.
Consumer complaint received 2019-10-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

The collection agency levied my bank account without any indication of a debt that was owed. I tried to contact them to get information and they indicated this was for a account from 2004 in which they confirmed that the address on file was not my address and that by any means tried to get a hold of me by searching my correct address or phone number. I was not aware of this debt, in addition there was no reflection of this debt showing on my credit report. This company didnt provide me with information to rectify the situation or to try and resolve this debt. Had I know of it I would have made ways for arrangement. For the past 15 years this company has not sent me any notice of debt or reported it to the credit bureau.
Consumer complaint received 2019-10-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (CA)

It has come to my attention that payday loans are prohibited in my state ( California ). Therefore, the loan contract that I have with Amplify Funding, according to my state 's laws, is not enforceable. They are charging me 656.48 % Finance Charge for {$1200.00} Loan. I have emailed them and they have not yet to respond.
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Innovis (IN)

XXXX, XXXX AND INNOVIS TOOK 45 DAYS TO INVESTIGATE XXXX XXXX AUYOLOAN NO.XXXX. 
THIS VIOLATES THE F.C.R.A. CONSUMER PROTECTION LAW 'S.
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MS)

Citizens bought Franklin American Mortgage who had been servicing my home mortgage. After approximately 12 months of Citizen 's servicing I decided to pay off my mortgage. All payment to citizens had been made via their website where my bank account was linked and payments were ACH 'd from my bank to citizens. With each payment there was a disclaimer posted that final payoff payment could not be done electronically and must be mailed. So, i made my final electronic payment in early XX/XX/2021 but i made it for approximately {$400.00} less the loan balance. I then requested payoff information. The payoff info that came said that my final payment of approximately {$400.00} had to be made via wire transfer or Cashier 's check. 
Out of convenience and principle I called Citizens ( spoke to XXXX ) to ask why I couldn't send a personal check or to ask if could deduct the cashier or wire fee from the amount I was sending them. I was told i must send a wire or CC for the full amount and that was not their policy but was the policy of the investor XXXX XXXX XXXX ). I called XXXX XXXX would confirmed that this was NOT their policy and they had no preference how I paid the servicer. I then requested from the Servicer documentation of where i accepted the terms and conditions stating my final payment would be different than every other payment and where i accepted responsibility for charges associated with arranging this special payment. I was told that they would have to charge me to send me my consent ( which i am sure i never gave them ). We remain at an impasse regarding my loan payoff.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently pulled my credit report and discovered that my mortgage account with XXXX XXXX XXXX is reporting my account as being adverse and delinquent when it is not. 

According to XXXX XXXX  XXXX letter dated XX/XX/2019, the account has never been late and they claim it is being reported accurately. However, when you look at my credit reports, the XXXX XXXX XXXX account is being reported as delinquent every month by all of the credit bureaus, when it is not. It is also listed in the " Adverse Accounts '' category of the credit report. 

Ive repeatedly asked XXXX XXXX XXXX to fix this problem by removing the wording in the remarks section. In the remarks section for each and every month, XXXX XXXX XXXX writes, BANKRUPTCY DISMISSED. By making this adverse notation, it incorrectly appears that I am filing for bankruptcy each and every month, which is not the case. This adverse remark should not be appearing on my XXXX XXXX XXXX account at all. They had nothing to do with any bankruptcy. It is also being reported as one month late when it is not. Consequently, the XXXX XXXX XXXX account is showing the account as delinquent when it is not. 

I never had any late payments prior to or after this time period. I am requesting that XXXX XXXX XXXX delete the remarks on my credit report immediately.
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Following 4 charges on our Bank of America ( BoA ) credit card were not made by us. They were supposedly made at a health care business in MA. Disputed said on XX/XX/XXXX. BoA issued new credit card but did not take charges off. We called BoA several times and got nowhere. Each time they took the same information down like it was the first time. 

Transaction, Ref #, Card ending, Amount XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX {$1000.00} Then on our own, we called that healthcare business. 
Owner affirmed that there was no business between us and gave us his contact information. 

We called BOA again and passed that information to BoA multiple times. Still no response or action from BoA. The bill is dueXX/XX/XXXX and we can not pay thousands of dollars in charges that we did not make. Also we believe customers do not pay disputed charges while they are being resolved. BoA said it takes 45 days to resolve but it has been much longer since XX/XX/XXXX. 

The worst part is they take us in circles like a bad joke. No one there knows what is going on. Very bad customer service. Unable to speak to someone who can do anything more that take down the same information again to stall us.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (NY)

From : XXXX XXXX XXXX [ mailto : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : WestlakeCustomerCare XXXX Subject : false information sent to credit report My name is XXXX XXXX acct : # XXXX I had a SUV financed with your company. It was payed off on XX/XX/XXXX I contacted your company via email and phone got no rely on this being up dated with credit companies. Disputed it with credit companies XX/XX/XXXX it ended on XX/XX/XXXX information you sent them for in between these dates was that I still owed your company over {$9200.00} when the balance was 0 for more than 30-45 days will be filing complaint with every dept. and every review site I can find will also be  contacting my senators office. Until I find someone that understands that Im XXXX  and on fixed income and that your company by refusing to update accounts force people to stay with you. Do I need to explain how illegal of a practice this is. 
From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX XXXX Subject : RE : false information sent to credit report XXXX XXXX   XXXX , Westlake reports our accounts once a month to all 3 CRAs, once they are submitted, it could take each CRA up to 60 days to update their records. Per our records, your account is paid in full as of XX/XX/XXXX. 

XXXX XXXX Compliance Manager Direct : XXXX Fax : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX 0n XX/XX/XXXX you updated my accounts due to dispute with all three CRAS with the following information that my account balance is {$9200.00} and the updated date was XX/XX/XXXX now understand this is a dispute when you answer to it all information is changed automatically. Now further more on XX/XX/XXXX you updated my account again to show a balance of {$9100.00}. now there is a new dispute sitting at your company labeled XX/XX/XXXX waiting to be taken care of I also have not received my letter of payed in full from your company that I was to receive in 30 days from date of payment in full. Requested this again yesterday they sent a pay off letter. I requested it again today still have received nothing. So in short you may be reporting every thirty days but it is false information hurting me and my pursuit of happiness. Again all information is in Ive been dealing with XXXX XXXX not XXXX. 
Post script I also left you a voice mail and if I dont hear back will try again. 
t which I was told contact the customer services dept. and I replied Im sorry XXXX but customer service has already told me that they dont handle this to email the site and I would like to know what is going to be done about this sense you havent complied
Consumer complaint received 2018-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

I was notified by XXXX this morning that I had a new collection on my account. I did not recognize this debt or the biller. It was listed as a debt I originally owed to XXXX XXXX XXXX, and the collectoin agency is COMMONWEALTH FINANCIAL SYSTEMS. I called commonwealth and tried to gather information about my debt however they would not tell me anything or any information at all without me telling them my social security number. They never not once asked me for my date of birth. I reluctantly did so and proceeded to hear things that made me very angry. They stated that the debt was for my son when i rushed him to the emergency room in XX/XX/XXXX. I DONT HAVE A SON. They never gave me the exact date of the debt but they stated it was in the amount of XXXX . They also said my birthdate was XX/XX/XXXX. For the record I am XXXX years old. I then told them that this was a false debt and I am not paying it. It does not belong to me and I need them to take it off of my report. I also asked them to show me proof of this debt. They told me the only thing I can do is call the original collector and have them remove it. I reluctantly did so. When I called XXXX XXXX XXXX billing department, they did not have any debt for XXXX $ on record. Again, Commonwealth stated that this debt was for my son whom I was financially responsible for. I am furious at this company and have read many reviews online with people who suffered similar issues with this company. I would like them to be held accountable for these fraudulent debts and this to be removed from my credit history.
Consumer complaint received 2019-04-03
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: Allied Collection Services, Inc. (Nevada) (NV)

BACK IN XX/XX/XXXX OR XX/XX/XXXX I WAS A VICTIM OF A ROBBERY I WAS BEATEN AND ROBBED AND MY XXXX  WAS BROKEN. I WENT TO DR.XXXX XXXX BECAUSE MY XXXX WAS BROKEN. IN THE PROCESS I WENT ANDAPPLIED FOR MEDICAID, I ADVISED THE STAFF AT THE DR. OFFICE THAT I HAD NEVADA MEDICAID. THE MEDICAID WAS NEVER FILED BY DR. XXXX OFFICE AND AND THEY SENT ME A BILL. MEDICAID ADVISED THEY COULD HAVE FILED RETRO BACK PAY FOR SERVICES RENDERED I CALLED DR XXXX XXXX OFFICE AND WAS TOLD I WAS IN COLLECTIONS. I AM DISPUTING THIS DEBT AND WANT IT REMOVED FROM ALL 3 CREDIT REPORTS. ASAP. ALLIED COLLECTIONS AGENCY NOW HAS THE ACCOUNT IN COLLECTIONS. PLEASE REMOVE FROM MY CREDIT FILE ALL 3