davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

On   XX/XX/XXXX , Bay  view Loan Servicing ha d us start making three trial modification payments. On   XX/XX/XXXX , we st arted making  three  trial modification payments and finished on   XX/XX/XXXX ,  we made our final modification payment. Starting   XX/XX/XXXX , I  checked the porch daily for a permanent modification package fr om Bayview Loan Servicing. Fr om   XX/XX/XXXX   until the beginning o f  XX/XX/XXXX , for over 200 days I have checked my front porch for a corrected conversi on permanent modification packet that has never come. At the beginnin g of  XX/XX/XXXX  after checking the porch for over 220 days almost a year for the conversion packag e the permanent modification package there was nothing there on the porch. I calle d Bayview Loan s ervicing the beginning of   XX/XX/XXXX  and a sked about the package as I had done multiple times before over the 220 day time frame and I was told by Bayview Representative that nothing had gone out. For over 220 days I did n't leave my home for any situation that required more than an over night stay even during my husband   XXXX   XXXX  ,  XXXX  and hospital stay I would leave the hospital to check my front porch for the conversion permanent modification package  Bayview Loan Servicing,  my asset manager  XXXX   XXXX  stated was coming on multiple occasions. In the beginning o f  XX/XX/XXXX , I  had a family emergency I had to leave my home to go out of state, the family emergency resulted in  XXXX  and the  XXXX  was this pass weekend ; however , Bayview Loan Servcing s tarted foreclosure on my home for missing payments they told me not to mak e. Bayview Loan Servicing is  dual tracking my home. Although  Bayview Loan Servicing  had told me to stop making payments in   XX/XX/XXXX , I made trial modifications payments from  XX/XX/XXXX  until  XX/XX/XXXX  for ten month s and never received the correct conversion permanent modification pack age Bayview Loan Servicing sta ted.
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The problem : I negotiated with XXXX to have my debt cancelled and discharged, and we reached an agreement that they would cancel the debt and issue a 1099-C, and I would claim this as income on my tax returns. XXXX verified they canceled the account, but is still reporting this account as late each and every month since XX/XX/XXXX even though the debt was cancelled and discharged, I owe them nothing, they won't accept any money, but yet they continue to report on my credit reports that I am XXXX days late EVERY month. This needs to be fixed. I have attached the proof.
Consumer complaint received 2019-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (LA)

A letter of complaint was sent to the US Department of Education, FSA Ombudsman on XX/XX/2019 due to misinformation/misrepresentation by servicers prior to and after the rehabilitation of my defaulted student loans. I consolidated my student loans and then entered into a rehabilitation agreement with a servicer who advised me that upon making 9 consecutive payments, the loan would be rehabilitated, the negative status would be deleted from the credit bureaus and the collection cost would be removed. None of these things happened upon the rehabilitation. Instead, after the ninth payment was made, I then received an invoice for an amount that I could not afford to pay. No one advised me at that time of any income based repayment plans that could have assisted me in a subsequent default. Since that time my one loan has been and continues to be reported inaccurately to the credit bureaus as 2 defaulted student loans. ( Please see the attached letter expressing my concerns in detail ).
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (CA)

UNRECOGNIZABLE & UNAUTHORIZED INQUIRIES XXXX XXXX XXXX  on XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX TD bank USA on XX/XX/XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX
Consumer complaint received 2020-12-20
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. (NC)

I utilize XXXX to stay updated with my credit score. Recently two reports have been listed in my equifax and transunion reports, the reports are from " medical bills ''. One dates back to XX/XX/XXXX and I was unaware of the bill until it became a " collections '' derogatory mark in my credit report XX/XX/XXXX. The other I have reported and requested removed. I've requested for information ( statements / proof of bills from these collection agencies ) from both equifax and XXXX which have not been provided. These companies continue to display negative information without " proof '', that is false. Wouldn't this be considered a " hipaa violation '' if my medical bills, or an itemized statement has been submitted to them without my consent for review? These two agencies have ignored my request to remove derogatory false information from my credit report. XXXX has also displayed a medical bill as negative but it was paid. The account was satisfied and paid without going to collections but its still showing in my report, how is this even legal. I have to constantly submit disputes and my disputes are always denied and the information is found to be correct? how can they determine this without proof? I pay all of my bills on time, with the exception of one late payment and it was in XXXX!. The same goes for a report with XXXX XXXX ( my car loan ) they have what's called " skip a payment '' ( due to the pandemic ) these agencies listed I have not followed the payment agreement but also state I pay on time they have the same information on some of my credit cards because I make multiple payments prior to the payment due date. This information is false and inaccurate it hurts my credit, and I pay all of my bills on time. Please help me.
Consumer complaint received 2022-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

My mortgage account was transferred to XXXXXXXX XXXX from Amerihome Mortgage. A payment of {$9300.00} was made to Amerihome for 2 months payment and escrow shortage. Amerihome has not transferred the payment to XXXX  and they have no tracking of the funds being transferred. They are unable to tell me were exactly the funds are. I need this payment investigated and successfully transferred to XXXX to avoid negative credit reporting.
Consumer complaint received 2019-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (GA)

Carter Young has an account from a dorm where my daughter lived when she attended college, but left owing when she quit school. The debt is listed as a joint responsibility on my credit report. I have requested from Carter Young to send me documentation with my signature on supporting documentation and the flat out refuse. I spoke to 3 managers today and each one refused to send me the documentation. Not only that, but they will not allow my daughter to make payments. So each time we save up the money, then attempt to make a lump sum payment, the amount increases by {$100.00} or more. The original debt, was {$700.00}, but is now up to {$4300.00}. Which, in my opinion, seems excessive. The last I spoke to them today, they told me the only way to pay now is via XXXX XXXX, which I have never heard of using to pay a debt. They also refuse to send a letter once payment is made showing the debt is paid. Also, their website has been blocked from us making a payment via online. This company has a very bad reputation and if you view other comments, others have had the same situation happen to them as we are having now. Again, they have refused to submit any documentation with my signature showing responsibility for this debt. My daughter has told them it is her debt and not mine, but they still refuse to listen. Can you pleas assist me. I truly believe their business practices are unethical. Thank you
Consumer complaint received 2019-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (AZ)

XXXX XXXX XXXX sent a pre legal notice in the mail. I called to settle my debt, but XXXX refused to send any information without me providing my checking account information. I was very concerned with this request so went to there website I was able to set up an account, but not able to submit a payment online. I then called XXXX directly to confirm my debt was sold to XXXX XXXX XXXX, XXXX did sell my debt to XXXX. I then decided to provide my checking account information with the understanding that I would receive a letter confirming payment will be taken out on XX/XX/19. The payment was pulled from my account on XX/XX/19, when I called requesting confirmation of payment XXXX refused then proceeded to tell me to call back and maybe they would be able to help. 

I am more than willing to pay the debt I owe, I'm just very concerned I have been scammed. I dealt with other collection companies in the past and have never had any issues.
Consumer complaint received 2020-12-20
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 was told I could reach out to you all to help me with an issue Ive been dealing with for some years now. There are student loans on my credit that I know nothing about. Im just so confused because I didnt even finish high school so could this happen to me. Im just trying to help my family as much as I can and the folks at the student loan place act like they dont know what im talking about. Can someone please help me get these off my credit. Dept of Ed/XXXX, XXXX XXXX, XXXX XXXX XXXX, US Dept of Ed/XXXX.
Consumer complaint received 2016-02-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CO)

We have been trying to work with OCWEN mortgage company on reversing our mortgages back to an interest only payment on our rentals properties. We have followed all their requests filled out a huge package of forms and were declined. We have XXXX mortgages with this company and have made consistent payments for 10 yrs.. The mortgages reverted to a principal and interest recently, and we can not afford to make the principal and interest payment. It seems like a simple procedure, but yet no one is willing to help us keep our properties, which were purchased as an investment property for our kids education. This company has also been sharing our information with adjacent neighbors in the area. Is n't this in violation of some federal laws? We are happy to provide any information necessary to resolve our issues. This company has been nothing but uncooperative and rude.
Consumer complaint received 2021-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (DC)

I applied for the loan forgiveness program in XX/XX/2021. I explained to the representative that we are not in the office plus PII can not be sent over email, so I asked the question of what can I submit for verification. She stated my W2. Thus, I submitted a W2 for my previous Government jobs and my current job at a non-profit. 

In XXXX, I received a stating Not Eligible, and they did not evaluate the eligibility of my current employer. When I called customer service, they stated my current employer is on hold in the system, but could not explain anything else. On XX/XX/XXXX, I received another request to submit the certification for my current employer because they are open. Thus, I sent the certification with signature on XX/XX/XXXX. 

I called on XX/XX/XXXX checking on the certification, and the representative said it was scanned in because of the volume of application and the process will take longer. As I explained to her, I am receiving misinformation and this process is confusing. I did everything each representatives requested and the process was wrong.
Consumer complaint received 2022-04-27
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)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2020-12-20
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. (NC)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2020-12-20
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)

After reviewing my report, I saw that several accounts were opened without my knowledge. This has created great turmoil for myself and my family and I have suffered greatly because of this. I would like to move past this situation.
Consumer complaint received 2022-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

XX/XX/XXXX my wife and I were sent to XXXX XXXX Doctors by our local doctor for XXXX antibodies Infusions. We filled out all the required paperwork and paid our {$30.00} copay fees. They would not do anything till this was done. All was well until on XX/XX/XXXX we started receiving individual bills for the {$30.00}. We contacted XXXX on XX/XX/XXXX she informed us something was incorrect and she would call us back with an update in a couple weeks. She said she would change the due date as not to harm our credit. ( never called back ) We both got new bills on XX/XX/XXXX. We called on XX/XX/XXXX and talked to XXXX said complaints were in review would take XXXX days but she would expedite to supervisor. No more bill for wife after that. I received a bill XXXX and XX/XX/XXXX. Talked to XXXX on XX/XX/XXXX she said she would check into it and call me back. ( never called back ) Received a notice from XXXX XXXX XXXX XXXX for the {$30.00} from XXXX XXXX XXXX. 

Attached is my bank statement with separate charges on XX/XX/XXXX for services at XXXX XXXX XXXX
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

CHASE Bank ( Whom I have no accounts with ) is continually sending me debit cards for new checking accounts being opened in my name repeatedly with almost all of my information except a proper email address which is the fraudster 's. 

I filed a police report locally with the 3 new checking account 3 's initially. Chase Bank thanked me for my help and cooperation and said they would flag my name to keep it from happening again.

Now my wife tells me I have a 4th debit card just sent to the house in my name again.

And Chase is beginning to inquire about why I am not replenishing the negative accounts for money in the realm of $ XXXX in some accounts. 

I imagine someone is making over {$100000.00} a year easily if they are doing this too many others.
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Perfection Collection (AZ)

I have paid this collection I will attach the paid letter received and receipt with this complaint. I dont understand why it was taken off and added back to my report I did indeed pay this to resolve it not deal with this
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/22 I visited the JP Morgan Chase branch in XXXX XXXX, NY to do an international wire to XXXX XXXX for XXXX the money was taken from my savings account, however the clerk made many errors and did not send all the pertinent information. I had handed her an email that had the exact instructions on it. 
When I asked why certain information was not on the receipt, she told me it was not necessary. The first omission was the intermediary bank info. 
After numerous visits to the branch and phone calls to the XXXX # nd also messages on the secure message section on chase.com it is still not received to the proper person in XXXX XXXX. He has been checking every day with his bank. 
All Chase says is that the transaction was complete and the money is in XXXX XXXX. 
Supposedly the Executive Office of Chase was notified of the problem. And also a total lack of communication from all parties.
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C XXXX XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A states 2 : it also states a consumer reporting agency can not furnish a account without written instructions.
Consumer complaint received 2021-03-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MO)

Coinbase has refused to merge my two accounts after I fully identified myself as they directed. They have not answered months worth of emails. They have stolen thousands of dollars from me in XXXX. [ Reply ] Case # XXXX - Email access no longer valid
Consumer complaint received 2022-10-19
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: Kikoff Inc. (AZ)

According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 


Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I Request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : Delete the alleged accounts off my consumer report and I demand that they also send me XXXX in remedy for the damages done in puirsuant to 15 usc 1681n they have caused mental and financial distress and a hardship in my marriage.
Consumer complaint received 2020-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

It has come to my attention that Enhanced Recovery Company recovered a payment for a debt that I never owed.Enhanced Recovery Company reported a collection account to my consumer credit file on XXXXand XXXX. I have learned that I do not owe this alleged debt. If Enhanced Recovery Company had the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that Enhanced Recovery Company collected. Enhanced Recovery had no legal right to attempt to collect a debt as I never authroizedan account with XXXX. Enhanced Recovery never validated this debt nor sent me a notice of collection. I have learned that Enhanced Recovery is in violation of the FCRA and the FCDPA. At this point I ask that this non - validated derogatory account be removedfrom the credit bureaus immediately as this should not have ever been reported to my consumer credit file