davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (UT)

Back on XX/XX/XXXX sent proof of payment using XXXX XXXX, my mortgage company was not showing me making a payment on XX/XX/XXXX. I noticed this after i checked my payment history and that payment was not showing. I would call Specialized loan servicing and file the complaint of missing payment, I sent proof of making payment with a receipt from XXXX  payment showing I had the correct account on that receipt. XXXX XXXX XXXX verified my account number was entered correctly by printing out a close d transaction statement made with XXXX  for that same day XX/XX/XXXX. I kept opening up that case for review of missing payment and SLS would keep closing due to they need more into. I sent the receipts again along with my bank statement showing the money went out of my account. Ive contacted the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX by email with proof of payment each time and each time they would close my case and need more proof. In the meantime several several phone calls made to SLS to make sure they didn't close my case and yes they would close case so I would have them reopen. XXXX XXXX XXXX was able to get the right person for XXXX to find out what happened to the payment, XXXX  has sent them and now I have the letter that my payment was reject from my mortgage company due to incorrect account number or account closed. I promise you everything I have sent has the Correct Account Number on it. I can email all my proof of payment. I am trying to refinance my home and this is stopping me due to my mortgage company shows late payment for 6 months. Now i know that the payment really was not receive due to my mortgage company rejecting payment, XXXX XXXX XXXX had the money sitting in booking and that took awhile to track where the money was at. Book keeping has the letter from XXXX and the money verified sitting in XXXX XXXX XXXX account. XXXX XXXX XXXX did not notify me of rejected payment nor did my mortgage company. In fact I call the escalation desk at SLS do let them know they rejected my payment. The employee went back through account history and they do not show my payment being rejected for XX/XX/XXXX, so i was never notified by the mortgage company as well. please help me fix this, I am trying to Re fi my home and this is stopping me. Thank you
Consumer complaint received 2022-12-15
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX .... Balance : {$6700.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXXXXXX .... Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$9100.00} ; XXXX XXXX & XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (ID)

I have had my XXXX XXXX payments switched to a us bank relicard debt card since we are closing our XXXX XXXX account where the XXXX XXXX payments used to be deposited. The XXXX XXXX account was closed so I had a refund ( {$180.00} ) from a dentist office sent to my new relicard. The us bank then froze my account, not allowing me to use my XXXX XXXX because they claimed no deposits can be applied to the relicard unless government funded. They also claimed those instructions where on the form that was sent with my relicard and i should have been notified of this. I have the form in front of me and can send a copy that does NOT state this anywhere. They have froze my XXXX XXXX account because I can not supply a receipt of an over the phone deposit from the dentist office. This is my money and I need access to it.
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: R.M. Galicia, Inc. (NV)

PROGRESSIVE MGMT systems has yet to remove two medical accounts from University XXXX XXXX which is XXXX years old and was the insurance XXXX responsibility to pay and neither progressive mgmt nor XXXX showed XXXX or me how they arrived to the amount.
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 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 US SM BUS ADMIN ODA 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 2017-05-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (IN)

In  XXXX     2017  Navient was notified by the Department of Education that I am a  XXXX   XXXX   XXXX  and in school deferment status. As such, there should be no student loan deductions. Navient continued making deductions from my bank account in spite of my status. In  XXXX  and  XXXX  {$270.00} was deducted from my bank account. In  XXXX  and  XXXX  there was insufficient funds in the account so the bank charged NSF fees. To date there is a total of {$200.00} fees incurred as a result of  Navient  's actions : {$34.00} fees in  XXXX  and {$170.00} fees in  XXXX ,  2017 . I contacted Navient on  XXXX   XXXX  about the matter. A customer advocate returned my call on  XXXX   XXXX . I was told that the refund was approved on  XXXX   XXXX . In response to repeated calls following up on the matter, I was told that the refunds were being processed. I was told to submit the bank statements showing the fees that were incurred. I did as requested. On  XXXX   XXXX  I was told that the request for the refund was resubmitted and wi thin 3 to 5 b usiness days I would see the refund in my bank account. A call today,  XXXX   XXXX , I was told that the refund was on hold. The customer advocate said that she will resubmit the request for the refund.  <P/> 
Navient wrongfully continued to try to withdraw money from my bank account. Even if it was a system glitch, Navient 's   actions between  XXXX   XXXX  and  XXXX   XXXX  leaves no doubt in my mind that there is a clear lack of care for the student. There is a refusal to correct the error. Also when they found a reason to stop the process no one contacted me to let me know that there is a change from what I was last told. This lack of communication is disrespectful and lacks basic customer care.  <P/> Students need to be vigilant especially when there is direct debit in place.
Consumer complaint received 2015-11-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (FL)

On XXXX/XXXX/2015 I purchased an item thru XXXX. XXXX withdrew the total amount from my checking account on the same day. This purchase was cancelled over the phone and XXXX credited my account on XXXX. Later on, I decided to purchase the item again and XXXX withdrew the money again on XXXX ... so, the item got PAID and it was received. I do n't know what kind of mess they have between XXXX and XXXX that 2 months later, XXXX billed me for the same item, with interest and late fees. I had never received a bill from XXXX so I called. They kept on transferring calls between XXXX and XXXX without resolving the problem ... XXXX promised to file a dispute, refund PaypalCredit and let me know. I received a second bill with more late charges ( please note, XXXX had already been paid because my checking account was linked to them ). I called again and after speaking with XXXX different people, finally I could talk to a supervisor who reviewed the account and came to the conclusion that if XXXX had paid for the item on XXXX, XXXX should not withdraw the money from my account on XXXX. She promised me that XXXX would refund XXXX, and that I would not owe them anything. I called XXXX and they told me that as soon as they received the money ( {$76.00} ) from XXXX, the account would be closed. A XXXX letter came in with more late charges, the bill was already over {$160.00} and I called them again. After speaking with XXXX or XXXX different people, a supervisor assured me that I would never receive a bill again because the problem had been resolved ; yet, she transferred the call to another XXXX Supervisor who confirmed that I would never receive another bill. At this point, I had already have a nervous breakdown. To my surprise, I received another bill today, XXXX/XXXX/2015 in the amount of {$200.00} ( again with late fees ). This bill is already in the Collections Department. Please note that I received XXXX item and I paid for it ( please see picture attached which is a screenshot from my bank account. Today I called again at XXXX Eastern Standard Time, and at XXXX ( XXXX hours & XXXX mn later ) I was still with them on the phone with both ( XXXX and XXXX, trying to resolve this issue. I spoke with XXXX different people - all of them asked me for my information over and over and over. Now they have all my private information, SS #, my bank information, everything! They kept on transferring the phone between XXXX and XXXX and can not resolve the problem. In the meantime, I am bombarded with bills and late fees for something that has been paid. Please contact them and help me resolve this issue. Thank you.
Consumer complaint received 2023-03-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

In XXXX BoA was doing another fraud that was not yet caught, which I've uncovered as they are now trying to foreclose on me to bury the issue. What they did was, in short, a " XXXX XXXX '' on home loans for a quick pumping of numbers. There is a whole mess of people w/ the same pattern of events where we, for a short time, had two open loans, 1 of which no 1 knew they had. It only became apparent when BoA 's servicing arm XXXX XXXX  tried to bribe me to sign a backdated deed of trust. While going back & forth w/ XXXX sending me different versions of the paperwork, 1 of their own employees told me to go to the title office, which I did 15 months ago & become aware that they had clouded the title. That was why they needed a " fresh ink '' copy of a XXXX deed of trust in XXXX w/ the XXXX dates along w/ their names on things. I already had to sue to try & prevent the trustee sale since BoA moved to end a forbearance via covid & bury this as I tried to find a firm that had a practicing attorney in the field and not going to tell me there is a conflict of interest w/ me before they would even hear any details ( 80+ firms now ). I'm doing this Pro Se & I fear they will just " out paperwork '' me. That being said, I'm doing my best as fast as I can, given the defendants are forcing things & setting the timing, which forces me to rush & ultimately leads to mistakes in my pleadings. So I'm going out for help ; I did send a note to the White House & Idaho 's different levels. Ultimately, I need to save my house, but I believe the only fair resolution is to break up BoA & bar all management from the banking industry, as was d1 to the CEO of XXXX XXXX. Since I had messaged for help before on other major issues & received no help, only suppression, I'm not expecting anything, but I thought I would give a heads-up given the XXXX  etc XXXX I'm hoping that I will not have to keep defending myself alone. XXXX XXXX. XXXX in 2nd district court of ID for reference
Consumer complaint received 2015-09-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NY)

Well for XXXX years i been trying to get my credit report and it 's ask me some questions and i answer no on them cause they do n't apply to me cause i never had a car loan or try to get a car loan and i never had a montage loan either. So i said no and it would n't give me my credit score. Its saying that my info is not matching with my social security number. I do n't know what to do any more. I need help.
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

I have sent XXXX and XXXX a personal information update on XX/XX/2019, and they have yet to update and correct my personal information. All of my information is the same and have never been updated as requested.
Consumer complaint received 2017-03-23
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: French Financial, Inc. (TX)

My personal loan went to collections. The collection agency ( Popular Finance Services ) has been harassing me for payment. I am XXXX and can not work or afford to send them any payments. The total amount they are attempting to collect is {$790.00}. Their harassing collection behaviors include : 1. Coming to my house repeatedly, even after I asked them to stop coming. When I ask them to leave they refuse. 
2. They shout, they say hurtful and mean things to me. 
3. They laugh at me. 
4. They asked my son, who happened to be with me at the time, to pay the debt for me. They told him he was a bad son for not trying to help me with my bills. 
5. They told my daughter over the phone that she needed to pay the debt for me. 
6. They call me in excess of 3 times each day, but often they call from different numbers each time so I can not block them. 
7. They frequently call me after XXXX. 
8. They argue and badger me over the phone and in person, and do the same to my family, to pressure us to pay.
Consumer complaint received 2023-03-21
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. (KY)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXXXXXX Balance : {$4000.00}
Consumer complaint received 2019-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XX/XX/2019 XX/XX/2019 & XX/XX/2019 I contacted all three of the bureaus in regards to in accuracies on my credit report. I I requested for them to validate the information on my credit report Ive been part of the breaches from XXXX XXXX XXXX in Trans Union the last few years. I asked that they provide the method of verification name address phone number of company that provided the verification as well as proof they received the original dated contract with my signature three months later and they have yet to do so. I have 60 inquiries via Trans Union 35 XXXX 21 XXXX that are unauthorized and harming my ability to obtain new credit the only thing they send me is copies of my credit report not the validation which I am asking for. Trans Union and XXXX also still have the three collections on my credit report that was removed XX/XX/2019 due to no validation. I contacted yall about that also and was told it takes 10 days.
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CORELOGIC INC (CA)

" I would like to formally dispute the way XXXX XXXX XXXX Loans Account # XXXX is reporting the mortgage I had with them in the past. They are still reporting it as a foreclosure but will not update it to show that the account was eventually settled through a short sale in XXXX. This same account was transferred to XXXX and XXXX is reporting it accurately. I 've uploaded XXXX page of my recent credit report which shows how both XXXX XXXX and XXXX are reporting the same account ( the XXXX reporting is just underneath the XXXX reporting ). XXXX added the key verbiage " Creditor Settled for less than amount due ''. That is the standard verbiage used to reflect a short sale. For some reason, XXXX XXXX does n't want to do that. Furthermore, when I submitted a formal request to XXXX XXXX in writing to ask them to correct this a few months ago, not only did they refuse to correct it but they actually compounded the error by reporting that they started foreclosure proceedings XX/XX/XXXX which is completely wrong! They need to adjust the history so that nothing derogatory is dated on their reporting after that short sale which ended XX/XX/XXXX which is how XXXX is reporting it. ''
Consumer complaint received 2019-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NY)

Bank sent a letter about increased monthly payment due to escrow adjustment. Letter wasn't delivered. So the difference from old payment to new payment was {$58.00} more and that amount was 9 days late. For this lateness they charged {$45.00} or 77 % of the late amount.
Consumer complaint received 2019-07-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services (MO)

I have a credit score around 700 I have 0 % debt ratio utilization I have {$12000.00} monthly income There is no way I should have been denied a car loan with 2 paid off vehicles showing and never being late 1x.
Consumer complaint received 2019-07-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KS)

We used PayPal to purchase a puppy from out of state on XX/XX/2019. After attempts to get tracking information the individual XXXX XXXX XXXX did not respond to any email, phone, or text. When we asked to cancel the transaction on XXXX he said he would have the money back to us by XXXX that evening ... this hasn't happened. We have tried to resolve through PayPal which was denied and currently through our bank.
Consumer complaint received 2018-05-02
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. (PA)

XX/XX/XXXX my car was in an accident and the car was totaled out on XX/XX/XXXX and the leasing company XXXX XXXX was paid XX/XX/XXXX. The company Is stilling reporting the account open and said they are not closing the account because {$500.00} deductible for the insurance. The company is not reporting accurate info on my credit report
Consumer complaint received 2023-02-10
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: EQUIFAX, INC. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The item I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed item. 
XXXX XXXXXXXX XXXXXX/XX/2021
Consumer complaint received 2019-09-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc. (GA)

On XX/XX/2019, ONLINE INFORMATION SERVICES, sent me a letter explicitly stating that they have closed the active collection account reporting my credit report ( s ) and were in the process of removing it. To date XX/XX/2019 the collection has not been removed from my credit report ( s ) and continues to negatively effect my credit and pursuit of happiness.
Consumer complaint received 2017-05-30
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: General Motors Financial Company, Inc. (OK)

Family Member obtained loans fraudulently, has subsequently been prosecuted and is serving a  XXXX  term  for the crime. Despite numerous submissions of documentation to support this, creditors and credit reporting agencies continue to report inaccurate information causing severe damage and undue hardship with expenses related to higher rates and premiums. Unable to afford further legal fees - desperately seeking resolution.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.