davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WA)

In XX/XX/XXXX, the federal government moved my loan from XXXX to XXXX XXXX. Prior to this I had no trouble getting accurate info from loan servicer when it was XXXX. I sent XXXX an updated document on qualifying employment for the Public Service Loan Forgiveness Program, because that is a best practice each year and I take this very seriously. They sent me an updated summary of qualifying payments with literally dozens of errors on XX/XX/XXXX. By their inexplicable and erroneous accounting, I suddenly will not have my loan forgiven until much much later than I have actually qualified for. This is completely incorrect! I had in fact made many more qualifying payments as of XX/XX/XXXX than they said, and have continued to make them since. I immediately contacted FedLoan by phone ( twice ), which they have recorded I assume, and by email in early XXXX to request that these errors be fixed. I was told there was a long backlog and it could take 6-8 months. It has now been 7 months and 2 weeks. I messaged them on XX/XX/XXXX and got a generic " you'll hear from us soon '' response. I called again today and XXXX customer service said my recalculation request has to be done manually because there was a glitch in how the information got moved to their system last year, and no one has started this recalculation. This impacts my financial future and my career choices. Having this so ineptly handled is outrageous. Please help me.
Consumer complaint received 2019-11-18
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: EQUIFAX, INC. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XXXX : XXXX INQUIRIES : XXXX XXXX XXXX : XX/XX/XXXX XXXX/XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2018-12-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Renton Collections Inc. (AZ)

On XX/XX/2018 a letters were sent to Renton Collections to verify " debt '' notifying them they had 30 days to reply with all 7 items required by FDCPA or to remove " debt '' from credit reporting agencies for two accounts. Neither happened and calls have continued to try to collect.
Consumer complaint received 2018-04-12
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

Received notice from I.Q. Data International pertaining to a debt that is inaccurate and charging interest, not agreed upon. Per 808. Unfair practices of the Fair Debt Collections Practice Act, under section 1 it is against the code for, the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Consumer complaint received 2018-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

Mortgage Loan was Modified XX/XX/2013. 
{$200000.00} was Deferred until the end of the loans maturity date. 
However, Debt Forgiveness was granted 1/4 of the deferred balance in each of the first 4 years. 
Ocwen, the current servicer, has been contacted several times and they demand that the deferred amount will remain on the loan and will need to be paid at the end of the maturity date or upon a refinance. Ocwen even sent the Modification Agreement to me, which clearly states the Forgiveness on page 16 of the PDF, but they have never read past page the first paragraph. Ocwen is still putting me off and not addressing the situation. They say 2 more weeks to a month before they can review it. It's been going on for 3 years now. I've had enough.
Consumer complaint received 2023-04-10
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. (WI)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$1600.00} ; XXXX XXXX XXXX Balance : {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-15
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. (TX)

I contested the following information included on the attached files with Experian and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Experian has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Consumer complaint received 2021-10-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (NJ)

My secondary loan has fallen very behind and was sold to multiple companies just when we were coming to a negotiation. The last company sold my loan in XXXX and Planet home lending took my loan over, they have sent letters stating they are will to help and we were in final stages of negotiation to get the loan back on track with a down payment, I received the paperwork and all it stated was the amount I needed to pay by XX/XX/2021 but there was no terms on the letter stating what my payment would be or what the down payment was going towards. I tried reaching out to my contact person XXXX XXXX through email and phone before the deadline and she was on vacation and not coming back until after the payment should have been made. The lawfirm stated I needed to have terms on that letter because it the loan was maturing and they could have told me in 12 months the rest was due immediately. 

XXXX XXXX had received a cease and desist from the company I am working with, but now I have received in the mail final judgement to put in for a sale date.I would like to resolve this ASAP but I never receive an answer. I fell into default which I had explained due to the fact my daughter had XXXX XXXX XXXX XXXX  ( which I can provide documentation if needed ) my husband was laid off at the time and we fell on hard times. We are more than willing to fix this problem and pay to keep our home as we have XXXX children and are hard working people. Can you please provide help?
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MT)

Late XXXX I was notified by Barclays that there appeared to be fraudulent charges on my card. I spoke with them and went over the charges. They were most definitely fraud because it was being used in XXXX and I have never been there or bought anything there. They said their security department would check into it and get back to me. After 3 weeks went by I contacted them because my bank notified me that Barclays was trying to process payment through an account that they didn't have access to. At least they weren't supposed to. The account didn't have much money in it so fortunately it didn't go through. I could not access my account online at this time either. Plus I had not been contacted yet. After speaking to 4 different people about this matter and finally speaking to their security team, they claimed they hadn't tried to do this and they would look into it and freeze any transactions through my bank until this was cleared up. Again I was told they would contact me within 10-14 business days. A couple days later they tried withdrawing a large sum of approximately {$8800.00} from that same account at my bank again. I have been trying to call them using multiple phone numbers they provide and still have not been able to get in touch with them on the phone. I have waited 3-4 times on hold for 45-50 minutes to try to get someone on the phone. Eventually the call just hangs up. I can't login to my account with them to see what's going on and I even tried to contact someone through their XXXX XXXX. Still haven't heard from anyone at Barclays. Their server is down currently and has been for at least 3 days. They did message me on XXXX and tell me I could mail my payment but at this point I don't know if they are legit and am afraid to send money to that address. They do send emails that payment is due but I have no way to make a payment until I speak to someone and get my account active again. I have tried to resolve this issue in as many ways as I know how to. I need help getting this resolved.
Consumer complaint received 2020-07-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America took more than 45 days to investigate my complaint. Also they did not fix the inaccuracies that was reported on my credit profile. The late payments on my credit report under Bank of America credit card is negatively affecting my financial health and ability to obtain financing.
Consumer complaint received 2023-07-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (KS)

Back in XXXX my mortgage loan was transferred to Selene Finance, LP from XXXX XXXX. There were cooperate advance fees of {$17000.00} applied to my account. Neither Selene nor XXXX XXXX could tell me the nature of these fees. I tried getting some explanation but no one seemed to know why those charge were assessed to my account. 
My overall outstanding principal should be a lot less, but because of these fees it feels like I have not made any progress toward my mortgage payments over the years.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

My XXXX XXXX XXXX loan for {$15000.00} has not been reported properly. My XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/2020 missed/late payments were due to the pandemic and my account should be updated as such.
Consumer complaint received 2018-12-10
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Amerifund Home Mortgage LLC (NY)

This is a formal complain from Mortgage Brokers who are consistently tricking consumers towards obtaining Mortgage Financing on alternative forms, but the objective is only demand on a rush substantial deposits which are at the end never returned to the victims they get, with numerous excuses. 
In my situation, have excellent credit and they lied and misrepresent towards the product they offered, mainly about payments which were never requested by the Company providing those Funds. 
The extorting Company which should BE CLOSED IMMEDIATELY AVOIDING FRAUD AND MISREPRESENTATION IS CALLED Amerifund Fax # XXXX, Phone # XXXX. Name of CEO AND OWNER, A TRUE TRICKY, DISHONEST broker is XXXX XXXX, LOCATED IN XXXX. 
They stole from me XXXX, money wired to them, they didn't provide the services, lied, misrepresented, and now refuse to return the money back.
Consumer complaint received 2018-10-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Management Incorporated (RI)

I appeared at XXXX XXXX via a referral from my girlfriend at the time. Ms. XXXX XXXX said she was " see me for free and handle the insurance issues later if there was any. '' AFTER i had already handed my cards to the staff to be sure I was covered, one of the staff came into the exam room while the work was checkup was being performed - ( I was in the room for 6 minutes total, she came in after 5. ) and told Ms. XXXX that there was insurance issues of some kind and I was not covered. Ms. XXXX replied to " XXXX? '' or the staff member who had came into the room that I would not be billed for today and it was going to be a courtesy visit. 

I have called the office twice, not only do they deny the above, but have also been extremely rude to me when I try to state my claim and reasoning. I think this establishment is great, and has performed wonders for friends and family of mine, but clearly on this day there was an issue. Since then I have had the work she quoted at $ 640+ and an additional 8 sessions performed at XXXX for a cost of {$0.00}. 

I made it very clear that day that although this was an " emergency '' and that I did wants things taken care of, that financial means came first and that was my first in order of concern. I never followed up with this office again after finding an office that showed me four days later that not only did I have XXXX  insurance, but that I had full coverage. I attempted to relay this information to the office on my second call to them and they said they " never took that insurance, and that I must be mistaken '' - I have only had one insurance since moving off my parents plan on my XXXX birthday. ( per RI law ) I am unsure why there is any confusion in the office when I was clearly told one thing and then after receiving bills, and now collection notices, I am very disappointed in a business that appeared honest and forthcoming and came highly regarded.
Consumer complaint received 2021-06-10
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: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

SCHOOLSFIRST XXXX - Company has no legal contract with me. They have failed to validate the debt & have agreed to remove it in place of being sued. Please delete. 

SCHOOLSFIRST XXXX This is not my account. It may belong to a family member. I never opened this account, have no knowledge of it, and have no relation to it. Please verify its accuracy, including name, address of record, date and place of origin, etc. 

SCHOOLSFIRST XXXX - Not my account, Never received anything verifying this is a debt or its relation to me. This is strict violation of FDCPA and FCRA. Please remove immediately. Additional please verify this account is not untimely, inaccurate, unverifiable or incomplete. 

SCHOOLSFIRST XXXX - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2018-12-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Contributor : BANK OF AMERICA Contribution Ref # : XXXX XXXX Number : XXXX Account Number : XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MD XXXX SSN/Tax ID # : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : Driver 's License/USA ID State : MD Incident Date : XX/XX/XXXX Principal Loss : {$0.00} Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner I deposited a check from my account the check had my old account number on it. and the bank placed a fraud alert on my account. I told the teller that My dad XXXX and I had to close our joint account but I still had an account there. they flagged my account and closed it. I owe no money. I brought in my dads XXXX XXXX and our close account information along with my pen account information and they refused to reopen it. or remove the flag.
Consumer complaint received 2018-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (CA)

XXXX XXXX XXXX  XXXX XXXX is the original creditor. 6 years 2 months ago my contract was over with XXXX XXXX XXXX I called and cancelled my service. I made it clear that I did not want to cancel before the contract was over ( unless they agreed to release me from contract ) and was told that my bills were paid in full and all requirements of the contract had been paid in full ( and or complied with and completed ) including a no obligation for fee 's for phones. Debt collector AFNI has reported a debt to the credit reporting agencies under my SS # in the amount of {$940.00} for a debt they say I originally owed to XXXX XXXX XXXX XXXX XXXX. This debt was paid in full and contract with XXXX XXXX XXXX was exhausted after all contract requirements were completed.

I would also like to put on record that XXXX XXXX XXXX did not have service within 30 miles of my home for the last four months of my contract with them. I did not use my phone for several months because they did not have the ability to provide my phone with service at my residence or place of work or the local town I lived ( live ) in. XXXX XXXX, XXXX  County California. I asked XXXX XXXX XXXX to please end my contract early and they refused. I paid my bill for three months with no services being provided by them to me. I did not cancel my contract with them and waited to disconnect XXXX XXXX XXXX service until my contract was over.

I am requesting that this charge of {$940.00} on my credit report ( reported by AFNI ) be removed.

Thank you!

Respectfully, XXXX XXXX
Consumer complaint received 2018-10-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (AZ)

Chase selected XXXX Appraisal to set a value on my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX in early XX/XX/2018. The appraiser failed to consult the entire XXXX XXXX XXXX and misinterpreted data on other transactions. The result was an erroneous calculation of {$310000.00}. The errors were thoroughly documented by XXXX XXXX of XXXX on XXXX. The correct value is {$330000.00} as documented by local professional realtors and the valuations of national real estate data bases. Despite all of this evidence on XXXX Chase arbitrarily rejected the correct value. This has compromised the potential resale value of our home by {$23000.00} and we demand restitution in that amount.
Consumer complaint received 2018-07-18
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: PENTAGON FEDERAL CREDIT UNION (MD)

The situations selected are not actually my situation. I selected the closes match. I filing this complaint against Pentagon Federal Credit Union for issuing 2 money market Certificate to the wrong address and they were cashed by some unknown person. I have been working with Pentagon for last 4 mos.trying to obtain images of the cashed/paid checks but no luck so this why I am contacting you. I am trying to find out why would Pentagon issue this checks when they matured without confirming with the owner. I requested to see the check images and know where the checks were sent but no luck because they said this occurred too long ago. On XX/XX/11, I opened a total of 9 money market certificates worth over $ 30k for my children, nieces and nephews on behalf of my terminally ill mother, who's last request was to leave some money for each of her grandchildren so she asked me to obtain certificates. All but 2 of the 9 received there money when the certificates matured. In the meanwhile, my nieces are out of their money because of their error/negligence. This is just coming to light because one of the owners ( my niece ) asked for her money and recently had twins. Certificates were opened XX/XX/11 and paid XX/XX/11 starting value {$2000.00}, 7 years term.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSWORLD SYSTEMS INC (FL)

XXXX is reporting inaccurate addresses on my credit report. I need these addresses removed from my consumer report immediately. 

XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-10-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (CA)

On XXXX sent Identity theft report along with affidavit, and notary presentment to Ad Adstra through certified mail Receipt # XXXX to remove unauthorized account that was not opened by me, and I am yet to receive any communication from Ad Adstra about them following the law pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt, and this hasn't been done which is a violation of my rights and the law.