davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

I am having issues with my billing statement. I am behind every billing period because for misc. and late fees that was acquired during an incident in XXXX of 2018 with Nissan Motor Acceptance Corp. I was late with a balance owed of {$2400.00} I was going through job loss and needed time to adjust the balance. which I let them know that. I was still making my monthly payments even though I was behind. This lasted two months, but on the third month I was one day away from making my payment with the intentions of paying both due and past amount to get caught up and my car was repossessed. Such a let down for me because I really worked hard to bounce back. Afterwards I wanted to pay off the full balance and they would not accept my visa payment and forced me to catch a bus to XXXX XXXX to pay for the balance. I politely explained this situation with them and asked for understanding. They tacked on {$540.00} tow fee on my statement. Since then i have been current except I refuseed to pay this fee which makes me late every month. I have tried to work with them even escalated to consumer affairs. And nothing has been done for me, a honest hard working customer. I have {$100.00} in late fees now and growing. On top of paying over 11 % in interest from the actual company im financing with this should not have been a problem for them. Please help. I also do not know why my payments have different amounts applied to interest and my principal. Please view the attachments.
Consumer complaint received 2019-10-08
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. (AZ)

I would like to file a complaint with XXXX XXXX, XXXX, and Equifax credit burues. I have sent them now the 5th dispute letter todayXX/XX/19 notarized, dated, all information provided for the inaccuracies still showing on my credit report. I've submitted disputes nearly every month since the beginning of 2019 - and still no prevail on some accounts. I've requested ( with proof and documentation of this ) proof of accounts that claim to be mine, to be PROVEN with physical documentation/signatures/proof that these derogatory inaccurate accounts are in fact mine. They have failed to do so. I have also called them today XXXX19 in three separate attempts to speak to a rep who can help me with removing hard inquiries that are inaccurately being reported to my credit report and hindering me from being able to apply for a loan so me and my family can move into a new home. I politely asked each representative on the phone if they can assist with removing the derogatory or the hard inquiries that are inaccurate, and was advised to contact each company and they could not assist. I know this is false, and they can assist, but choose not to. I advised I have attempted several times previously to calling that I tried to dispute with the actual agencies reporting the false/innaccurate hard inquiries - but they told me the only way to remove them is to have the companies send me a letter. I again, advised them I've tried this and was hung up on all 3 separate times. I can't believe a company like this is still around allowing companies to report false information on my credit, which is now causing me to not be able to move into the home of me and my families dreams due to them not wanting to help after I HAVE FOLLOWED ALL THE RULES AND HAVE PROOF OF ALL MY LETTERS SENT TO THE CREDIT BURUES AND COMPANIES. I did confirm they have received my letters via certified mail. I have tried to be nice, but now this is getting out of hand, and simply demand all false inaccurate hard inquiries that are NOT open accounts be removed, and the REMAINING false/derogatory accounts I've previously disputed 5 times now to be removed.
Consumer complaint received 2019-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (AZ)

As you can see from these emails, they are almost 1 year old. After this mix up from the sender, I received a large bill for storage fees. This bill went to XXXX as it was solely their responsibility. They admitted and accepted the bill. 
Now, after 1 year, out of nowhere I have been sent to collection for {$790.00} from XX/XX/2018. XXXX. Account XXXX Ref XXXX I  received no notification, no warning, zero explanation. I merely accepted some sample wine as a gift. I not pay for merchandise. I had no business invested in this.
Consumer complaint received 2019-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

2nd try - Rushmore LM does not know how to properly service negative amortization loans.

I am only allowed to pay the minimum payment on line - not even the statement shows the negative amortization payment amount.

I have to call and spend 30 to 45 minutes with them every month to make my payment because they are not equipped to handle the payment online or by mail.

Companies like this should not be allowed to handle loans they are not suited for.

I understand the loans can be moved however it should be mandated that the new company knows how to service the type of loan the consumer has.

Rushmore LM does not allow me to execute the options of my negative amortization loan. They only allow the minimum payment. This is NOT acceptable
Consumer complaint received 2019-10-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Applied Data Finance, LLC (AL)

Apparently this company called XXXX XXXX XXXX claims to collecting on behalf of XXXX. Their call from a Ms XXXX XXXX who claims to represent the lawyers have been persistent during working hours. I tried to negotiate but they would not provide documentation. After that she called my work place several times Tuesday XX/XX/2019 and Wednesday XX/XX/2019 and left voicemails threatening to contact payroll dept. 
I am in the process of contacting them to indicate when and where they can call me.
Consumer complaint received 2019-05-26
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 — Problem with personal statement of dispute
Company: EOS Holdings, Inc. (FL)

I requested proof of ownership, with any documents bearing my signature as proof and all I received was an itemized bill. Then On XX/XX/2019 it was removed from my credit report, only to see it back on my credit reports and I am again receiving letters and phone calls regarding this bill.
Consumer complaint received 2019-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (CA)

I received a letter dated XX/XX/2019 from XXXX XXXX , XXXX. trying to collect {$26000.00}. I am not responsible for this debt and am filing a complaint today ( XX/XX/2019 ) through CFPB to notify the company of my dispute.
Consumer complaint received 2019-10-08
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

In XX/XX/2019 I was having some financial hardship due to recent divorce. I contacted the mortgage company, PennyMac, to make payment arrangements so that I could stay current on my loan without penalty. Arrangements were made for me to pay half of my XXXX payment, {$570.00}, onXX/XX/19which I adhered to. The second half of my XXXX payment, another {$570.00}, was scheduled for and paid on XX/XX/2019. During the conversation in which this arrangement was made, I was not told about this having a negative impact on my credit or being considered a late payment. I was under the impression that because those arrangements had been made, provided I adhered to them and continued to pay as I have been I would remain in good standing. However, my ex-husband ( who I am trying to remove from the mortgage as soon as all of this is corrected, as he has not lived in the home or been financially responsible for the mortgage in over 1 year ) informed me his credit has been impacted. Today, XX/XX/19 his credit report is showing that the status of the mortgage is currently 30-59 days past due. My personal credit report is showing that the mortgage is current as of XX/XX/19 but was 30 days past due for XX/XX/2019. Had I been informed this would impact both of our credit despite the payment arrangements, I would have applied for a loan elsewhere in order to remain in good standing with my mortgage company. 

I called the mortgage company to explain the situation and the agent I spoke with filed a dispute for me. I called back today, XX/XX/19 and was told it " doesn't look like they are going to accept the dispute ''. I was told that maybe sending them a letter much like this complaint might help my case. 

After the split payment arranged for XXXX, I have paid my mortgage every month on the set upon due dates in my PennyMac website login. 
XX/XX/19 - paid {$1100.00} XX/XX/19 - paid {$1100.00} Today - XX/XX/19 - called to follow up on the dispute and made sure they were aware of my current pending payment for XX/XX/19 of {$1100.00}. 

I am very upset the company never informed me what this would do to our credit scores and standings, and that they offered no apology or explanation and are not willing to go back to the credit agencies to remove this mark. I have excellent payment history and would have never resorted to making that payment arrangement had the agent at PennyMac told me what it would do to my credit.
Consumer complaint received 2020-02-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

THIS INFORMATION REPORTING IS UNKNOWN I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES YET THEY ARE ON MY CREDIT REPORT FROM XXXX XXXX EACH COMPANY REFUSED TO RELEASE MY CREDIT REPORT. THEN I HAVE MEDICAL BILLS ON MY REPORT AS WELL MY BANKRUPTCY STILL SHOWS AFTER I HAVE REQUESTED TO REMOVE IT AND ACCOUNTS LIKE XXXX XXXX KEEP REAPPEARING AFTER THEY WHERE INCLUDED IN THE BANKRUPTCY. THESE OTHER ACCOUNTS LISTED BELOW ARE UNKNOWN TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX =THIS ITEMED IS CHARGED OFF AND SOLD 3RD PARTY AND IT WAS IN MY BANKRUPTCY TOO MERCHANT CREDIT XXXX XXXX XXXX XXXX I REQUEST THAT MY BANKRUPTCY BE REMOVED
Consumer complaint received 2024-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/2024 Resurgent Capital Services L.P was sent a certified dispute letter on behalf of LVNV Funding LLC regarding an alleged debt owed in the amount of {$3400.00}. LVNV Funding was also sent a certified dispute letter on XX/XX/2024 regarding the same account and they failed to respond at all. A request of verification was not requested from Resurgent Capital Services and they were informed that a bill or printed out statement would not suffice. I requested validation such as factual evidence, such as a promissory note, contract or agreement bearing my signature that holds me legally responsible for the alleged debt. Their response has been attached to this complaint. They have failed to provide any factual legal evidence but are still reporting an invalidated debt to the credit reporting agencies which is a violation.
Consumer complaint received 2019-10-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

My loan was sold right away and I didn't realize it. I made my 1st payment to XXXX XXXX XXXX and Lakeview lonecare llc bought the loan. They never gave me credit for my 1st payment in XXXX. They've been charging me late fees and finally put a marl against my credit. I've sent them documentation multiple times and have called multiple times without getting this resolved.
Consumer complaint received 2019-10-08
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)

THE ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, PLEASE REINVESTIGATE THIS MATTER AND HAVE THESE DEROGATORY ACCOUNTS OFF MY CREDIT FILE FOR THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT.
Consumer complaint received 2019-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Bank of America offered a two different balance transfer promotions for the same BANKAMERICARD. One promotion offered 15 months of 0 % interest and no balance transfer fee. Unbenkownst to me, I applied for the same BANKAMERCARD that offered a different promotion that was 18 months of 0 % interest but WITH a balance transfer fee. I only becasme aware of the balance transfer fee after the balance transfer. I contacted Bank of America and explained that I had intended to apply for the other promotion they advertised, that I was unaware that I had applied for a different promotion for the same card, and that I wanted the 15 month with no transfer fee option. Despite contacting them within days of applying for the card and the transfer, Bank of America customer service told me there was nothing they could do and I would have to pay the {$150.00} transfer fee. Bank of America 's promotions of separate offers for the same card is misleading and its refusal to address this is in bad faith.
Consumer complaint received 2021-04-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

I first engaged with the perceived investment brokers back in XXXX, where they set their trap in a XXXX comments section on a finance channel. There was a web of comments saying they had good results with them and that initially piqued my interest in trying the investments out. In this case, all the comments in that thread must have been fabricated by a pack of scammers, as these people didn't make me money or return my money when asked for it. I reached out to them on XXXX and they ensured me they were legit and experienced traders/brokers. A month goes by and I see numbers going up on the backend of their trading platform ( XXXX ) but unbeknownst to me, those numbers were static and fabricated ( looked to be a few XXXX in profits at the time ). As time goes on I feel it's enough of a return but when I asked for the profits to be sent to me ( with the condition that I pay their " fees '' ), it became increasingly frustrating and difficult to get anything back. I was asked to purchase almost XXXX worth of crytocurrency insurance, which didn't make a lot of sense to me. I inquired why didn't they ask me to buy insurance initially and the scammer told me " the risk is minimal starting and they can use their charts to see fluctuations '' but I smelled bs on that. Towards the end I was asked to pay upfront tax fees ( stated to be XXXX ), withdrawal fee, broker fee, and some other fee not mentioned ahead of time. I felt my XXXX and head pounding as I realized I was being taken for a spin by these professional scammers, who kept bringing up fees that nobody talked about initially. I tried to make deals with them, told them it's unethical to throw fees on people at the end of a trading process, and threatened to report them for cryptocurrency fraud. I spent weeks agonizing over lost funds ( that were my life savings and need to pay for rent/food ). What I thought was an opportunity to gain liberty was a chain of mental and financial despair. The merchants didn't help ( XXXX  and XXXX  ) as they neglected accountability for scammers using their platforms and Wells Fargo has been grossly negligent in setting up account alarms or talking to clients about " current events '' regarding fraud, scams, and deeper investigations regarding certain transactions. Wells Fargo proved to me they don't care about their clients by issuing a single statement to me saying " we have determined the transaction was authorized or that a processing error did not occur. Please consider your claim closed. '' That's the same as telling me " please consider your life closed. '' Their reputation is far below the standard and events like this are why, they deserve to be blacklisted for not looking after their clients ( who've done business with them for more than a decade ). They didn't offer any deals or extended talks with the merchants to get my money back, it is unacceptable customer service.
Consumer complaint received 2019-05-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I have an investment property loan that is serviced by a company named Shellpoint Mortgage Servicing. Shellpoint frequently sends me letters requesting evidence of insurance for the properties covered by the loan. Each time I receive the letter, I immediately notify my insurance agent and request they provide Shellpoint evidence of insurance. There have been several instances where evidence of insurance has been provided to Shellpoint, and I am still unfairly charged for a lender placed policy, and I have evidence of this in case you would like to review it. I spend a substantial amount of time on the phone with Shellpoint customer service, trying to prevent them from unfairly charging me for lender placed policies. I feel that they send these letters requesting evidence of insurance very frequently and often do not correctly process the evidence of insurance when it is provided so they can earn extra revenue from lender placed policies. It is undoubtedly a shady practice that should be more closely regulated.
Consumer complaint received 2023-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2019-10-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions. (CA)

The company, SBCS, is repeatedly calling, and they finally said it was for a credit card debt from 2011. I told them it was past the statute of limitations, but they insisted they still had the right to call. The amount is {$570.00}. Their # 's are XXXX and XXXX. I have blocked both numbers.
Consumer complaint received 2019-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have contacted the collection company about a debt, they have sent me a letter proving they reported the collection as being paid. I believe it was only XXXX dollars The derogatory mark is still on my report. I paid this back in XXXX of 2018. This is hindering my credit score and holding me back from my goals.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (OH)

I checked my credit report, noticed there was a collection reporting from I.C. SYSTEMS INC, opening XXXX XXXX XXXX  with a past due balance for XXXXXXXX XXXX XXXXor the amount of {$250.00}. I am not liable for this debt with XXXX XXXX. I do not have a contract with I.C. SYSTEM, INC they did not provide me with the original contract as I requested
Consumer complaint received 2019-10-08
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. (AZ)

I would like to file a complaint with Transunion LLC, XXXX, and XXXX credit burues. I have sent them now the 5th dispute letter today XX/XX/19 notarized, dated, all information provided for the inaccuracies still showing on my credit report. I've submitted disputes nearly every month since the beginning of 2019 - and still no prevail on some accounts. I've requested ( with proof and documentation of this ) proof of accounts that claim to be mine, to be PROVEN with physical documentation/signatures/proof that these derogatory inaccurate accounts are in fact mine. They have failed to do so. I have also called them today XX/XX/XXXX in three separate attempts to speak to a rep who can help me with removing hard inquiries that are inaccurately being reported to my credit report and hindering me from being able to apply for a loan so me and my family can move into a new home. I politely asked each representative on the phone if they can assist with removing the derogatory or the hard inquiries that are inaccurate, and was advised to contact each company and they could not assist. I know this is false, and they can assist, but choose not to. I advised I have attempted several times previously to calling that I tried to dispute with the actual agencies reporting the false/innaccurate hard inquiries - but they told me the only way to remove them is to have the companies send me a letter. I again, advised them I've tried this and was hung up on all 3 separate times. I can't believe a company like this is still around allowing companies to report false information on my credit, which is now causing me to not be able to move into the home of me and my families dreams due to them not wanting to help after I HAVE FOLLOWED ALL THE RULES AND HAVE PROOF OF ALL MY LETTERS SENT TO THE CREDIT BURUES AND COMPANIES. I did confirm they have received my letters via certified mail. I have tried to be nice, but now this is getting out of hand, and simply demand all false inaccurate hard inquiries that are NOT open accounts be removed, and the REMAINING false/derogatory accounts I've previously disputed 5 times now to be removed.