davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MD)

I am having an issue with my mortgage loan # XXXX, serviced by SLS XXXX Specialized Loan Servicing LLC : XXXX ID Main Office XXXX. This loan has been on a Forbearance Plan since XX/XX/2020 due to adverse impact COVID-19 had on my business. I have had two 3 month extensions of the plan, however my most recent request in XXXX to extend it past the current end date of XXXX has not been responded to by SLS. I have been requesting a response weekly for over a month now w/no luck - SLS keeps saying we will look into it. My business is still impacted by COVID and I'm not able to resume payments and I have requested they grant me an extension since I still have 4 months left of the total 18 months allowed by law. What's worse is that they keep calling me day and to let me know that my loan is past due even though when I log in online ( see attached ), the loan shows still in forbearance but the date still XXXX!! This is nothing but harassment! Please help me avoid foreclosure! Thank you!
Consumer complaint received 2021-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (PA)

My loans have been serviced by American Education Services ( AES ) since I initially took them out- with the announcement that loan payments that didn't previously quality for Public Service Loan Forgiveness will now qualify as long as loans are consolidated into direct loans, I initiated loan consolidation to direct loans for the purpose of PSLF ( I have been working in public service for over ten years ). I received my loan consolidation confirmation on XX/XX/21 ( loans are now serviced by FedLoanServicing ) and started using the Department of Education Public Service Loan Forgiveness Help Tool in order to confirm my qualifying employer and submit the request for loan forgiveness. Upon completion of the help tool, it informed me that my loans did not qualify for PSLF because they were not consolidated direct loans. I signed in to studentaid.gov and my loans are still listed as being held by AES. I contacted the Department of Education support center and they informed me that many other people have been contacting them with this same issue- that their loans are not being updated in the National Student Loan Data System after consolidating to direct loans. They suggested I contact AES and tell them my information needs to be updated in order for me to complete the PSLF process. 

I contacted AES on XX/XX/21 and told them my information needed to be updated in the National Student Loan Data System in order for me to complete my PSLF application and have my loans forgiven. They informed me that I have a {$0.00} credit on my account ( they owe me {$0.00} )- they could not explain why the payoff amount from the loan consolidation was not correct to reduce my balance to {$0.00}. Because there is a {$0.00} credit on my account, they said after one month they will discharge that amount to {$0.00}, and then one month after that they will update the information in the NSLDS. I won't be able to complete my Public Service Loan Forgiveness application for 2 additional months because they asked for the wrong amount to pay off my loans. My loans are consolidated with FedLoan Servicing. Both companies are owned by PHEAA. They are at the same location. 

AES told me there's nothing they can do to discharge the {$0.00} amount they owe me or update my information with the Department of Education any quicker than 2 months. They don't own my loans anymore and they are holding up my ability to apply for PSLF. I've been a dedicated public servant for over ten years and the recent announcement expanding PSLF is a huge help to me, and this large company with a checkered past is preventing me from taking advantage of the opportunity.
Consumer complaint received 2021-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

XXXX case : XXXX My Loan Care Mortgage Company Then on top of that, they refuse to accept my every other week payments. I have now overpaid {$1500.00} and they are still saying I'm late. I've called for them to accept this arrangment and they accepted. Subsequent calls to get the payments applied have been unsuccessful. This is affecting our credit scores because of their inability to apply payments and communicate with us.
Consumer complaint received 2018-07-31
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc. (CO)

I Co Signed a car for my ex girlfriend. We had a huge hail storm In Colorado and did about 6000 dollars worth of damage to her car. The insurance company issued a check to her dad and not the lien holder and her dad. She never had insurance herself. They pocketed the 6000 dollars from hail. And claimed the car as totaled. There was no reports of another accident or anything that they claimed to there insurance. Which sent them another check for half car being totaled out. So it left a balance of 7000 due to her and her dad not having gap insurance from a false accident report in the first place. So now the debt collection agency is saying I owe the rest of the money and is ruining my life and credit score by adding missed payments I should not be responsible for. If there is anything yall can do to help me please let me know. I dont what to do anymore. Thank you
Consumer complaint received 2021-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 I received a notification that a wire transfer of {$10000.00} was debited from my account. I had not authorized the transfer and immediately called Chase Bank 's fraud department to report the unauthorized transaction. I was given a case number after about XXXX hours on the phone with them and instructed that an affidavit would be send to my home address for me to sign. Uneasy about the uncertainty of the phone call, I called back a few hours later. I learned that the previous person I had dealt with had not correctly placed the report and the case number previously given was actually the SWIFT transaction number, not a case number. I was told a new case had correctly been opened and I should expect an affidavit in the mail. 

Having received nothing in the mail, I called Chase 's fraud department again on XX/XX/2021 for an update to my case. The individual on the phone mentioned they had not received a signed affidavit from me for the case so no further progress had been made. I let them know I had never received one in the mail, they also mentioned they had no tracking number for the original affidavit that had been mailed. I asked that another be mailed to me so I might get this resolved quicker. 

I still have not received an affidavit in the mail to sign and Chase has made no effort to contact me regarding my case. I am deeply troubled that I have been without over $ XXXX for almost a month now and Chase has been dragging their feet in resolving my case.
Consumer complaint received 2018-04-12
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (DC)

Ive recently discovered 2 Cashier Checks dated XXXX  purchased from XXXX XXXX XXXX which is now WELLS FARGO BANK. 
After purchase, I travelled overseas on assignment, as I travelled extensively as a XXXX XXXX. 
Once I established this fact, I tried cashing said Cashier Checks and was told they were too old and must call the State Treasurer or call Customer Service. 
Customer Service, XXXX, in Idaho, assured me there was no problem because said checks were OFFICIAL CHECKS and had NO EXPIRATION date and directed me to go to WELLS FARGOs main Branch on XXXX XXXX XXXX. Washington, DC, and attempted to secure an appointment for me with the Branch Manager to make it easier and faster, but XXXX XXXX was unable to set that up due to some Electronics problem. 
I went ahead to that Branch, only to be denied cashing said Checks due to their age as too old. 
I called WELLS FARGO Customer Service again, and again they were dumbfounded as to why their Branch/Branches were not honoring such checks. 
Then I was given a phone Number to call in order to be reissued a REPLACEMENT CASHIER CHECKS, but the Phone Number provided by WELLS FARGO reached XXXX XXXX? 

Thus, I file this complaint in the hope of recovering my money.
Consumer complaint received 2021-12-06
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. (NY)

I am a victim of identity theft. The following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within $ business days of receipt of this letter. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent ( XXXX XXXX # XXXX {$290.00}, # XXXX {$290.00}, # XXXX {$210.00}, # XXXX {$56.00}, # XXXX {$56.00}. I will be following up with each agency to ensure that this matter is taken care of promptly. Failure to comply will result in a lawsuit against all parties involved. including any agency reporting fraudulent information to my credit report.
Consumer complaint received 2021-12-06
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: Navient Solutions, LLC. (FL)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2018-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

I flooded in Hurricane Harvey XX/XX/XXXX, I decided to rebuild and act as general contractor. My home is complete and we are moved in. I used all of my savings to rebuild. My Mortgage Company Loan Care is hold an insurance check of {$57000.00}. It has been more than 2 months ( Since XX/XX/XXXX ) and I don't have any insurance check in my hands. I am not past due 3 months past due and I fear that Loan Care will foreclose on me soon. My home passed final inspection XX/XX/XXXX with a 100 % complete and Loancare does not release funds. At this moment they don't know when Corporate Loancare will release funds.
Consumer complaint received 2019-08-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAVALRY INVESTMENTS, LLC (NC)

I was sued in Virginia for a debt that has passed the statue of Limitations in the state I live in which Is North Carolina. I never received any notice of a pending lawsuit until after it had went to court in Virginia. I then started getting garishment notices from a woman i was dating in Virginia. I have consulted with a lawyer but can't afford to hire one as i am on social security XXXX i was informed it not legal to sue someone in a state where they don't live. My legal address is XXXX North Varolina.They are trying to get around the statue of limitation by sueing me in Virginia when they know my residence is North Carolina.Any help you can give me is greatly appreciated
Consumer complaint received 2021-12-06
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: CITIBANK, N.A. (NJ)

I tried removing a Citi bank credit card from my credit report that belongs to my ex wife of now 4 years. They refuse to remove it after now XXXX attempts through XXXX as I am unable to reach a representative to speak with on the matter. Im just looking to correct this issue as its causing an unwarranted negative impact on my credit report.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

My first initial contact was inXX/XX/XXXX, I have been disputing inaccurate information on my credit file for months now. I am also a victim of identity theft and have taken all of the necessary steps to insure that this will not happen again to me. I disputed the two chapter XXXX  bankruptcies on my credit file that states dismissed which has never happen. Experian has notified me that they have verified these accounts and they will remain on my credit report. XX/XX/XXXXI then sent Experian a letter of verification, asking how did they verify, whom did they speak with, on what date and ETC ... Experian failed to provide me with the proper response and documentation that I was asking for. Instead they stated that it will remain and once again it has been verified. I went to the US bankruptcy court and got documentation showing that these bankruptcy was dismissed and documents showing that they have not verified this account with no one. Yet, Experian refuses to take these account off of my credit file. XXXX and XXXX has removed this incorrect information why is it such a hassle with Experian. This has caused a major confusion In my life, Its holding me back from a higher position held within my job institution.
Consumer complaint received 2024-05-14
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MI)

GENESIS CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX ( XXXX ) XXXX XX/XX/XXXX. {$120.00} XX/XX/XXXX. {$120.00} XX/XX/XXXX. {$770.00} XX/XX/XXXX. {$2100.00} XX/XX/XXXX. {$60000.00} I am a victim of identity fraud. These are the transactions I have in collections for apartments in other states. I have never resided in another state than XXXX. GENSESIS CREDIT MANAGEMENT is the collection company trying to collect money from this. I have disputed this sooo many times. I have made police reports. And I have made an account on XXXX I have mailed copies to the agency and my credit companies. I have had all XXXX of my credit sites frozen for years and these still somehow get through and put on my collections. I am sick and tired of this!!!!
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have tried many times to get Comenity Bread to report the account as OPEN/NEVER LATE. The company continues to report the account as CLOSED on my Equifax and XXXX XXXX credit reports. This is not correct. THE ACCOUNT IS OPEN AND BEING USED EACH MONTH. I need them to report the correct status
Consumer complaint received 2022-06-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-10-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates Inc was removed from my credit report and re added to my credit report at a later date hindering me from receiving new lines of Credit. Have always had Credit cards with the company they are claiming I own and my accounts have 100 % payment history. Which means there is no way any accounts went to collections.
Consumer complaint received 2021-12-06
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. (PA)

This account XXXX ( XXXX ) list on my credit report has been cancelled. The bank issued a 1099C form and the account has been filed as EARNED INCOME. Since the account has been filed with the IRS the account status is now earned income, INCOME IS NOT REPORTED ON CREDIT PROFILES. PLEASE DELETE IMMEDIATLEY. This is a violation of 15 U.S Code 1681e compliance procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If this account is not deleted immediately, I will take legal action for negligent and willful noncompliance with the law. I am not a credit report company and this matter is not " frivolous '' or " irrelevant '', in fact I can assure you that I no way do I or my legal team consider a matter of such importance as " frivolous '' or " irrelevant ''
Consumer complaint received 2018-11-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstCollect, Inc. (DE)

In early XXXX I received a letter from First Collect dated for XX/XX/XXXX. It was a debt collection notice. There were 4 accounts listed as past due for a total of {$1000.00}. On XX/XX/XXXX I sent a certified letter for debt validation to First Collect. On XX/XX/XXXX I received a response from First Collect. It was another past due account notice, but only two accounts were listed for a total of {$520.00}. The letter stated that they have suggested that their client take legal action against me. They have failed to provide enough information to validate that this debt is mine and I am suggesting that they cease collection on this debt if they can not provide evidence that this debt is mine.
Consumer complaint received 2018-07-31
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)

Experian is reporting a {$410.00} unpaid debt to XXXX XXXX. I contacted them, who said it is a XXXX account and that XXXX is in charge of the account. I contacted them and was informed it was in collections. I contacted the Collection Agency who said there was no record of this account and to contact Experian. This a fraud account from XX/XX/XXXXfor XXXX service at a Michigan address. I have been XXXX XXXX military since XX/XX/XXXX, and in XX/XX/XXXX I was stationed in California, so there is no way this account was mine. In XX/XX/XXXX I became aware of this and filed disputes with all 3 credit bureaus. XXXX and XXXX removed it from my credit report in XX/XX/XXXX, but Experian is still reporting it. I need this removed from my credit report.
Consumer complaint received 2018-07-31
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. (AL)

I have sent letters over and over asking the credit reporting agencies to verify or provide documentation his account ( XXXX XXXX XXXX XXXX/charge-off ) belong to me and i have not received anything. This letter is a formal request to bring my credit report in COMPLIANCE with XXXX data standards. I know that the credit reporting agencies are fully aware that credit reporting laws ensure that bureaus report only 100 % true, accurate, complete, timely, compliant, and proven as being such credit information, be it any, all, or none.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand the credit reporting agencies disclose to me all of the documents they have recorded and retained in their file at the time of this request concerning the accounts that you are reporting in my credit report. If the credit reporting agencies do not have any documentation in their files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing them to 3rd parties they are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted.
Consumer complaint received 2023-07-03
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2022-02-02
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. (MO)

I contacted the credit reporting agencies to obtain a copy of my credit reports and when I received them, I seen the reports were filled with inquiries and accounts that were either charged off or in collection under my name. I contacted these companies an informed them these accounts had to be in error because I have no knowledge of them I requested the companies provide me with documentation of the original contracts with dates & both parties ( my Signature as well as the Companies ) signature on the documentation they could do no such thing. I also have tried disputing these inaccuracies through the credit bureaus, they have done nothing besides ignore me the companies have not provided me with any proof of contracts/documentations or anything, but instead the credit bureaus continues to report these accounts as accurate I really need my information reported correctly and the credit bureau should not be allowed to report this in accurate information to other parties it is outright slander.