davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (AZ)

Due to losing my job we have had to apply for a customer workout to try and keep our home. 
Having never to go through this before, I filled out the paperwork and on the paperwork it indicated approximate and verified. I did not fill out the verified amount because I sent in all our bank statements. I thought the bank will verify the actual total. We were given a ridicously amount to payback, I spoke with their representitive XXXX ID XXXX and was told that is the amount we need to pay to keep our home. I asked how is it possible for a family of XXXX to live on {$500.00} left over a month. I said I can not even buy food for that amount. He said I did not list spending any money for food. I advised that I thought they would verify the amount from our bank statements and he said no. I said isnt that a little ridicously to believe that a family of XXXX would not spend money on food? He said no for all he knows we grow our own food. I said that is far fetched he said its my fault I did not feel out the verify amounts. I am furious that I have been calling and calling to give all information needed and have been trying to get this resolved to no avail. M and T received XXXX XXXX in tax bailout money and they will not help with an FHA loan.
Consumer complaint received 2016-08-15
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services (NY)

Mercedes Benz Financial Services ( MBFS ) has refused to refund an overpayment to my account in the amount of {$300.00}. The payment was made XX/XX/XXXX while I was in the process of transferring my lease. Along with the paperwork for the lease transfer, MBFS required what would be my final payment, due on XXXX XXXX, XXXX, and so I sent them a check, which MBFS cashed. While the lease transfer paperwork was being processed, and as the XXXX XXXX due date approached, MBFS left multiple messages on my phone asking that I send in my XX/XX/XXXX payment. Not wishing to derail the lease transfer at the expense of the transferee, I logged into my MBFS account and made an electronic payment of {$300.00}. Thus, I made 2 payments for XXXX XXXX, and figured that MBFS would refund the overpayment, and indeed, its representative said I had a refund due when I called XX/XX/XXXX to check the status of my refund. I was troubled during that call because it took MBFS an inordinate amount of time to locate my account. When XX/XX/XXXX arrived and no refund had arrived, I called MBFS again, and it took them at least half an hour to find my records, as it appears that my account has been virtually deleted from their system. That phone call lasted well over XXXX minutes, and I was placed on hold during much of it. MBFS eventually informed me that because the account is no longer in my name, any money that is due to me must be paid to me by the person who took over my lease. That is not correct, because the overpayment was made while the account was still in my name, and therefore it is MBFS that improperly kept my money and must refund it. The lease transfer was complete as of XXXX XXXX, XXXX, and my check was presented on XXXX XXXX, XXXX, with the electronic payment having been made on XXXX XXXX, XXXX. Proof of these payments will be attached. In any event, the transferee of my lease is an innocent bystander and should not be troubled by any of this.
Consumer complaint received 2016-04-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

Payment had just come due and i spoke to a representative told her my situation that i had lost my job and had no income, insisted that i give her my bank information told her it was no use no i had no funds.she was hesitant for me to give her a date of payment. I told her as soon as i got a job would pay.kept telling me she needed a payment.i myself closed the discussion and told her would call them back.since then i have been receiving more than 4calls a day.
Consumer complaint received 2016-04-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NC)

I have recently been declined for a loan due to Caliber Home Loans reported their account with my name being delinquent in access of 90 days or more. I 'm filing this complaint on this creditor for the last 5 months I have been disputing this creditor for malpractice in that this company persistently is deceiving the credit reporting agencies and the investigations conducted are not in depth to look in the history of this companies reporting. I have a credit report dated XXXX/XXXX/15 which has Caliber home loans last reporting XX/XX/XXXX in excess of 90 days. I have not received any correspondence from this company or it 's affiliates. This loan has apparently been transferred from another mortgage company XXXX which I have not been officially notified nor have I been notified from the current account holder. My last complaint to you Report number XXXX, XXXX, XXXX these are all saying that Caliber home loans are reporting to XXXX, XXXX and XXXX are reporting up to date as of XXXX 2015. How can a company last report XX/XX/XXXX and then after my information is updated can be current XX/XX/XXXX? That 's a total of 9 months lapsed!!!! How are the credit reporting agencies saying this is acceptable and in accordance with Fair Credit Reporting Act605-15 U.S.C. 1681c.
Consumer complaint received 2017-04-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (FL)

I recently received my updated credit report and there is a Collection agency named Convergent Outsourcing on my report trying to collect a debt. I discovered that in the state of Florida a collection agency must be licensed and bonded and it is against the law for them to do so. This company is not licensed in the state of Florida where I reside. I would like for this company to stop trying to cease this debt and also remove this collection from my report from all credit bureaus.
Consumer complaint received 2017-01-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MD)

I would like to bring to the attention the deceptive bait and switch practices of Bayview Loan Servicing a third party servicer to my mortgage loan with XXXX. I fell on financial difficulties and broke not XXXX but XXXX repayment plans not knowing that my repayment could extend for up to six months. In my initial repayment plan I was offered that option but in my second I was not and could not afford the over almost XXXX payment with Student Loans, Childcare for XXXX children as a single mom coming out of a messy divorce. 

That on XX/XX/2017 I received a call from XXXX XXXX who direct dial is XXXX and can be reached via email at XXXXXXXXXXXX regarding my delinquent account. During that phone call I expressed to XXXX XXXX that I would like to enter into a repayment plan. Telephonically we agreed to a XXXX XXXX where my default arrearages would be spread out over the period of XXXX months with my initial downpayment due on XX/XX/2017 in the amount of {$3500.00} and my subsequent due every XXXX day of the month for the next six months for the rest of the arrears. Fast forward contacted me on XX/XX/2017 to state that I was approved for a loan modification where my loan would be essentially be restarted and will be over the next 40 years. Because I was in the midst of a emergency family matter I could not address the issue but later contacted XXXX XXXX and alerted him this is not what we agreed to. I would like the Maryland State Attorney, HUD, CFPB and other regulating agencies to investigate my loan and other consumers that may have fallen plight to something like this. While I understand that it may appear beneficial we all know that a restart of my loan for 40 years does not benefit me but the mortgage company. More importantly XXXX XXXX 's repayment schedule and plan that he claimed is on its way well let 's just say I never received it. XXXX XXXX contacted me today XX/XX/2017 stating that my call was on a recorded line. I in turn stated that Maryland XXXX requires that if I am recording our conversation that he was on a recorded line as well. XXXX XXXX stated that it went against Bayview business practices for consumers to record him. I let him know that I am sorry he feels that way but having been deceived by him I can not speak to a company that wants to record me but they not want to be recorded does not even make any plausible sense for a consumer to fall plight to something. Because Bayview will not willingly provide the transcript of the Repayment Plan I am asking for CFPB to intercede and get the schedule and transcript of calls in XX/XX/2017 to prove this material fact. I also ask that XXXX XXXX is held accountable for this as well by Bayview.
Consumer complaint received 2017-01-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc. (AZ)

Stellar is showing a collection account for & XXXX regarding XXXX. I have a current account with XXXX at my home of 12 years. I have forwarded a current paid up account invoice with all account details. I am not in arrears with XXXX and this collection account should be removed. No verification ever provided although requested and disputed at all Credit Bureaus
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account is passed the statute of limitiations in California. I have requested this account closed and removed from my account. I have contacted the Creditor in the contact info provided by reporting credit bureaus. And I never receive a response.
Consumer complaint received 2023-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (LA)

During the beginning of XX/XX/XXXX, I received alerts on my credit reports that a total of three ( 3 ) collection agencies had reported debts to my credit reports. The original creditor is listed below. Also, All three accounts were opened in Texas. I have lived in the state of Louisiana for over 20 years. These accounts are fradulent. I am a victim of identity theft. I have filed a dispute with XXXX, XXXX and XXXX. Also, I have filed a dispute with all 3 collection agencies and the original creditors. I filed a police report on XX/XX/XXXX with my local municipality. I am waiting to receive the actual report but I do a case #. I am requesting an investigation and ultimately I would like these collection debts to be removed from my account. 
Thank you. 

Original Creditors : ( 1 ) XXXX XXXX XXXX - {$1200.00} Acct # XXXX ( 2 ) XXXX XXXX - {$930.00} Acct opened : XX/XX/XXXX ( 3 ) XXXX XXXX XXXX - {$1600.00} ( XXXX ) Acct # XXXX Acct opened : XX/XX/XXXX
Consumer complaint received 2022-02-12
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Harley Davidson Financial Services Inc (MI)

The account with HARLEY DAVID with account XXXX has been reporting derogatory in my credit report however, payment history shows that I paid on time. There is no payment report in my XXXX, I would like to request for complete payment on this. Also, the balance says that I have zero balance. I'm not sure if the XXXX Bureaus have conducted a thorough investigation.
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am in the process of purchasing a home and have all 3 credit company reports and only one of them XXXX Trans Union XXXX is still reporting a bankruptcy from 2005. I contacted them and explained the situation and they stated there was nothing they could do. I advised them that the other 2 agencies were not reporting this item. It was stated that at sometime it would drop off. I explained that i was in the process of buying a home and since it was already off of the others if they could just take it off. Again they stated they could n't help.
Consumer complaint received 2023-03-28
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. (TX)

Transunion keeps allowing a third party debt agency whom I don't know and have never had business with to post negative reports on my credit account repeatedly which lowers my score month after month. This despite disputing XXXX , XXXX XXXX XXXX , XXXX 's alleged claims agaist me.
Consumer complaint received 2019-05-22
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. (MO)

My identity has been used by people or persons unknown to me, this assumption comes from items on my credit report unknown to me. I was shocked to see these accounts and demanding that someone his explain this to me or please remove them immediately. I would like to see exactly what was used to get these in my name. Please block these unauthorized accounts. 

1 ) XXXX XXXX XXXX  2 ) XXXX XXXX {$4000.00} 3 ) XXXX XXXX {$820.00} 4 ) XXXX XXXX XXXX {$570.00} 5 ) XXXX  XXXX and XXXX {$330.00} 6 ) XXXX   XXXX XXXX {$85.00} 7 ) XXXX XXXX
Consumer complaint received 2016-12-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

I did a re-fi with First Mutual they then sold it to XXXX which went out of business.I was then contacted by XXXX XXXX XXXX Who stated that My FHA mortgage was assigned to them and that my {$900.00} a month mortgage would be {$2300.00}. I immediately contacted them and told them that since I 'm a Veteran that my mortgage could not be assigned to them without a face to face and authorized by the VA. They then filed foreclosure paperwork through the court. Out of fear and lack of knowledge I paid them until I was financially strapped. My Wife had to have a XXXX which caused me to stop paying XXXX completely I saved up enough money to hire a law firm XXXX XXXX XXXX XXXX. The firm placed me in a XXXX XXXX lawsuit against XXXX and they backed off and stated that my mortgage had been securitized and that Bayview Loans Servicing LLC would be my new servicer. Again out of fear of loosing my home I paid Bayview a total of {$9600.00} {$1800.00} a month for 6 months because they threatened foreclosure via the same debt collector lawfirm XXXX XXXX XXXX that XXXX had used. After paying the 6 month trial period for a modification which the results from the XXXX Bayview sent paperwork to file for a modification that they said I had already been approved for. With lawyer fees and false modification payments I 'm out about {$20000.00} and Bayview is threatening to sue for foreclosure again. Like I stated earlier I 'm a Veteran with a sickly Wife and just want to pay fair market value for my home Bayview states that I owe them {$320000.00} and my home was appraised at {$150000.00}.
Consumer complaint received 2022-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX have 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2021, my credit card was stolen as my car was broken into. I had 3 charges, one for {$100.00}, and two for {$210.00}, a total of around {$640.00} that was on my credit statement. I immediately called Chase bank and filed a dispute, shut down the card, and was issued a new one. I also filed a police report and even reached out to XXXX  to issue a fraud alert as well. On XX/XX/2021, the charges were put back onto my credit card statement, causing my credit card limit to go over. I called chase bank and spoke to a representative on the security specialist team, and she told me that I did not have enough evidence and their fraud team will not reverse the transaction. I asked her if there was somewhere to provide evidence ( my police report ) and she said no. I asked if she was willing to look at the police report and she said no. The representative told me to email the fraud team with the evidence instead, and when I tried the email address she gave me was faulty ( XXXX ). She said she will re-open the case but when I asked if there was a confirmation number, she denied it. The overall story was that I did not have enough evidence and they re-charged me for purchases I did not make.
Consumer complaint received 2022-08-09
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)

In accordance with * XXXX XXXXXXXX BANK, account # XXXX, * XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX, account # XXXX * XXXX XXXX, account # XXXX have 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (MI)

I applied fo r PayPal Credit an d was approved in  XXXX   XXXX  of  2017, si nce then I have made several attempts to use the credit as it was provided to me per their disclosures. The credit is unusable in every way, i have made rough ly 20 at tempts trying to purchasing varying items to see if the credit is usable and to no avail. They are only offering these products as an attempt to bolster their marketing and promotions for their product but do not provide any actual credit, many consumers have complained about the fact that PayPal blocks ALL credit transactions and avoids having to actually supply credit, and their excuse is always " security or fraud related protection ''. So it should be simple I prove my identity and the " security '' issue should be removed and so I did which I provided additional identity documents verifying my identity on the week of  X/XX/2017    and Pay Pal STILL WO N'T OFFER CREDIT despite indicating that i have a {$2700.00} credit line. This appears to be illegal that they are falsely advertising credit but not actually allowing consumers to use it.
Consumer complaint received 2017-02-17
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (OH)

I wanted to rent a house for my vacation for new years. The person who put his apartment 's advertisement for rent in XXXX asked me to transfer rental amount by western union. At the beginning I had doubt about it. But I saw that XXXX approved that person ( as it mentioned by government issued photo ID ) and also people left good feedback about that host, i trusted that person by these facts and sent money to him.
Consumer complaint received 2016-09-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (OR)

our identity was stolen related to a sears master card, fraudulent charges were made on the card and I am getting harassed three to for times a day to pay a debt that is not mine, I have talked to there fraud department numourus times and they still send us bills and call non stop. I do have proof our my information was stolen on a copy of a statement with an erroneous address and phone number with my name, this all started XX/XX/XXXX.
Consumer complaint received 2020-11-03
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: EQUIFAX, INC. (OH)

I wish to file a legal complaint. Equifax credit bureau has illegally without federal trade commission approval contracted a company by the name of XXXX score that is utilizing Equifax data to do credit scoring on consumers. XXXX score are not one of the 3 national credit bureaus registered through United States Federal Trade Commission in Washington DC. 
I will not have this unknown company called XXXX score discriminating against me for my credit score. An unknown company called XXXX score not registered through Federal trade Commission continues to trash my credit report under the Equifax credit bureau licensing. 
In the past year since my eight-year-old bankruptcy I XXXX XXXX XXXX has worked extremely hard as XXXX to reestablish my credit. I refuse to allow this company licensed through Equifax and not licensed by federal trade commission. Whoever these vantage score people to rate my credit and to have any kind of processing on my credit report I demanded these people be pulled off whoever XXXX score is they have no LEGAL right to grade my credit and or credit score. I am also filing a FORMAL complaint because Equifax continues to discriminate against me by continuing to force a poor credit score on my credit file. 
if you would review my credit reports from XXXX and XXXX  you will come to a decision whereas Equifax has not and will not commit to practicing the unfair credit act laws My credit file listed at Equifax so deserves more than a XXXX-credit score and I demand that you and enforce Equifax to properly grant me the credit score I deserve. After reviewing my credit report and you will see that I deserve better than a XXXX. 

For the past 3 years, Equifax has managed in corruption with this unknown illegal company XXXX score that is not registered through Federal Trade Commission to illegally extort my credit file as well as my credit score. 
I am filing formal complaints asking federal trade commission in Washington DC to act, enforce its agency to cease and desist Equifax and whoever XXXX score is to no longer give a credit score or a credit rating on me as a consumer.