davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (CA)

I applied for HAMP with Fay Servicing , LLC XXXX. XXXX, XXXX, IL XXXX and was denied a loan modification. I appealed because I was told by my file manager ( I think his name was ( XXXX ) at Fay Servicing that I would be denied because the investor would probably require XXXX upfront for me to qualify. He insinuated there was no reason to send the required information because I would be denied anyway based on this fact. Therefore, on XXXX/XXXX/15, I sent an appeal letter to Fay servicing because I would later find out it was potentially illegal in California for the Servicing Company or investor to require an upfront fee for the HAMP program. I also appealed because I had a change in circumstances. I called Fay Servicing on XXXX/XXXX/15 because I never heard anything back from Fay Servicing regarding the appeal. This was when I was told that my account manager was no longer there and had been assigned a new account manager named " XXXX XXXX ''. " XXXX XXXX '' told me that Fay Servicing could not longer communicate with me about anything to do with my loan or appeal or loan modification unless I provided them the following information:1. A letterhead from the law firm representing me in a lawsuit with XXXX XXXX XXXX which has nothing to do with Fay Servicing. 
2. An attorney letterhead from the attorney representing me in a BK. 
3. Stated that the attorney representing me in a BK must sign the permission slip for them to talk to me about the HAMP loan modification for Fay Servicing to talk to me about my status on the loan modification appeal. 

Therefore - with the above being understood - I am submitting this complaint based on the following:1. Whatever BK that was filed in the past should have nothing to do with the loan modification process. This is especially considering that Fay Servicing has been communicating with me for several months during the loan modification process. This substantiates the fact that Fay Servicing potentially just made up this policy all the sudden to potentially harass me and violate my rights to appeal the loan mod process. 
2. Fay Servicing is guilty of dual tracking. That is because I had sales dates every single month during the loan mod process and even have XXXX this month during the appeal Fay Servicing absolutely refuses to talk to me about. 

Please help! 

Respectfully, XXXX XXXX
Consumer complaint received 2023-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (AL)

I do not have an account with I.C. SYSTEM, INC, and they continue to report on my credit negatively. I did not agree for them to take over any debt. on XX/XX/23 they started reported a debt negatively on my credit and is affecting it greatly
Consumer complaint received 2021-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clark County Collection Service (NV)

I discovered a debt on my credit report for a service I never had. At first I was given misinformation from them and my peers. They had also told me repeatedly that I am liable if I " get services for anyone '' when I told them I wasn't even at that address and someone used a service under my name ( liable for identity fraud ) which can be corroborated via call recordings. My peers had told me I can pay or settle and unaware of my rights I just let it be. Upon discovering my rights through reading the FDCPA I contacted the company to ask for validation. They claimed statutory validation under 15 USC 1692g ( a ) ( 3 ). The statute however, states " within thirty days after receipt '' and without the successful delivery of said letter did not apply. I attempted through several letters to correct the issue but their only response was template letter. After several attempts and through my previous complaint through this agency, I finally received proof from them that a letter was mailed through their vendor " XXXX '' via USPS. I attempted to verify this by tracking down the whereabouts of the letter but USPS employees notified me as there's no tracking information they are unable to do any investigation into the letter. I need this company to comply with federal statutes and provide validation of the debt through copies if the original contract bearing my signature. If I an legally liable for said debt why are they stonewalling me and attempting to pawn off the burden of on anyone but themselves? The laws and regulations of the FDCPA exist for a reason so please let 's enforce it.
Consumer complaint received 2021-01-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

The account went into overdraft moments before closing of the business day. I rectified it before opening of the following. They slapped me with charges. This is very predatory practice as who sees the overdraft minutes before the close of the business day. I wasnt even given a full day to rectify before charging fees. This should be illegal. I have also found on their website grace period checking promotions to which I was told I had no idea what I was looking at by the agent. This bank is terrible to their members just check any social media post.
Consumer complaint received 2016-09-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I submitted a package for a loan modification but was told that I was not going to be reviewed for any options to avoid foreclosure. The lender stated they sent a letter explaining but I never received any letter and am unsure why they can not help me save my home.
Consumer complaint received 2016-11-23
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

Chase bank for XXXX card charged me late fees due to me not paying them before XXXX. I never had a problem paying them via over the phone with their automative phone service. They just recently started charging me late fees. I told them that I am on XXXX time. They told me they did n't care and charged me anyway. They went up on my interest rate every month except for XXXX and XXXX and XXXX.
Consumer complaint received 2016-02-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

XXXX is reporting incorrect information on my credit report. Per my conversation with this company, they were supposed to update their information to reflect account was paid. It is still open on my credit report and not showing that it was paid in full according to their terms that were offered. 
I was told that if settled that this item would be removed.
Consumer complaint received 2015-09-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

XXXX 2015, my mortgage loan was purchased from XXXX by Carrington XXXX XXXX In trying to setup auto payments the direction that I was given that I could fax over my bank account information for them to withdraw the funds was incorrect. After several calls I was later told the only way to setup auto withdrew is through the mail. Thereafter my payment increase despite being on a fixed loan. I switched insurance companies and for them to reduce my payment they stated I had to call back to ask for the analysis. So for my payment to increase no action has to be taken on my part but when there is a reduction when you have lower insurance you have to request an analysis. Unfair to the consumer. In addition, On XXXX XXXX, 2015 I called to ensure my extra payments were applied correctly to my escrow and it was not despite what the customer rep. stated who took my call. Every time I contact Carrington Mortgage I get a different response from a representative. They are pleasant but extremely inconsistent and extremely unfair to the consumer. I will be refinancing to run away from this company.
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: Experian Information Solutions Inc. (SC)

I have attempted to have these inquiries removed twice. I have asked the credit bureaus and lenders to provide proper documentation of proof of inquiries as I can concerns for fraud the response is that it has been validated. My disputes have been opened and closed within such a short window that I doubt the information was actually validated. 

I would appreciate if the hard inquiries be deleted.
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I need to find out some exchange rates for overseas purchases with my Bank of America Travel VISA cedit card. It is impossible to get in any reasonable manner. I had to call BoA three times today, was on the telephone for half an hour or more and was finally disconnected by it. While holding, I was subjected to a barrage of irrelevant marketing recordings along with the same for non-germane choices before I chose something and was put on hold. It was impossible to reach a representative at the number on the back of my credit card ( XXXX ) and there were no automated options for information typically needed when anyone travels to another country. Clearly, this so-called travel card intentionally withholds pertinent information relevant to travel. Why? Are there surprise surcharges or high exchange rates for other currencies? 

A credit card that purports to be a travel card needs to readily provide up-to-date exchange rates it uses for other currencies, whether or not there are surcharges for the exchange and other relevant information needed when travelling to other countries or purchasing things there. 

The CFPB needs to ensure that all of this kind of information is readily available to consumers for any travel related credit credit card and perhaps for all credit cards. It should sanction for BoA for its inaccessibility in general by phone and for withholding this information directly related to travelling.
Consumer complaint received 2022-02-12
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. (PA)

I am aware Equifax is using an elaborate mechanism to investigate and verify Tradelines on my consumer report. Which is in fact a violation of my consumer rights. Pursuit 15 USC 1681 ( e ) investigative consumer report clearly states the terms to establish proper investigation.
Consumer complaint received 2022-02-12
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. (FL)

I have all these collections and inquiries on my reports and theyre saying theyre verified I have my identity completely stolen I have file with FBI local police and Internet crimes theyre believing these people who say I owe and I dont and why would I intentionally put 75 inquiries on my own credit report?? I dont have any bills they even wipes out my medical records
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I had an account placed for collections with a company called XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ) earlier this year. I contacted them directly to resolve/pay the account and they informed me the account had been sold to a company called XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX ) and thati must take it up with and pay through them. I contacted XXXX and we agreed to settle the account for {$680.00} ( original amount was {$900.00} ) and it would be reflected as settled or paid in full on my credit reports. We set up a payment arrangements which i ended up taking care of well before they were actually due. The payment i made ( see attached payment history and settlement letter from XXXX ) are as follows : {$100.00} XX/XX/XXXX, {$100.00} XX/XX/XXXX, {$150.00} XX/XX/XXXX, {$150.00} XX/XX/XXXX and {$180.00} on XX/XX/XXXX ( totaling the agreed upon amount of {$680.00} ). As of today, XX/XX/XXXX XXXX is reporting me as still owing an outstanding derogatory amount of {$220.00} and and an open collection account remains on my credit reports. This is a willful and negligent violation of the agreed upon contract i made and fulfilled with XXXX XXXX XXXX and this account needs to be either updated to reflect settled/paid in ful land a balance of {$0.00} or removed from my credit reports immediately.
Consumer complaint received 2022-02-12
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. (FL)

I have all these collections and inquiries on my reports and theyre saying theyre verified I have my identity completely stolen I have file with FBI local police and Internet crimes theyre believing these people who say I owe and I dont and why would I intentionally put 75 inquiries on my own credit report?? I dont have any bills they even wipes out my medical records
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (CA)

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with 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 XXXX XXXX
Consumer complaint received 2016-10-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I contacted Experian in regards to inquires on my credit report that I did not authorize. I was told that they are factual & to contact the company.because the company verified them. I contacted all of the companies and they do not have any form of authorization from me that gave them permission to make an inquiry into my credit & they have not verified this information to Experian. I sent another letter to Experian making them aware of this & they still continue to report false unverified information on my credit report.
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (TX)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-12
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: Experian Information Solutions Inc. (IL)

I disputed XXXX XXXX XXXX Account XXXX with Experian and XXXX XXXX 30 days ago. I have not had an account in my name with XXXX XXXX XXXX at any point in time. They are representing XXXX XXXX XXXX and I have never had a XXXX XXXX XXXX account in my name. My ex husband did but he is deceased. This debt was registered in 2021 while I lived in XXXX, Il and I can provide current lease and utility bills as proof. This is now affecting my credit and it is a debt that should never had been attributed to me. I want this removed immediately. Experian and XXXX XXXX should not be charging you to remove things if they are ethical reporting agencies. If I had paid for their services, which I can not afford to do then this would have been removed.
Consumer complaint received 2015-05-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (MI)

I attended court after being subpeoned for a break of a lease by my roommate while i lived there and was forced to move out. The owners of XXXX XXXX XXXX in XXXX XXXX, MI did not attend court. They did not attend court because they dropped all charges XXXX There was no judgement possession made because the possession of the apartment was immediately returned to the owners. They also leased the same apartment within a week of moving out. We ( XXXX XXXX ) and I immediately moved out of the apartment with in a week of XXXX breaking the lease. I have been informed that this should not be on my credit and that I do not have to pay any of the rent from the lease being broke back to the owners. I also know that the property has been sold a couple times so the original owners do not own the property anymore. I have been trying to resolve this with XXXX who represents National Credit Systems. He has been rude and uncooperative, demanding and bullying that I owe this money and pay it immediately. He refuses to discuss that I have been to court for this and the case and charges were dropped and closed. I am trying to obtain housing for me and my son and unable to do so because this is on my credit and been unable to get this removed after a couple of attempts of disputing it. it just got renewed to be on my credit even longer.
Consumer complaint received 2017-02-06
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NCC Business Services, Inc. (TX)

I never received any statement saying i owed anything and then suddenly there is a person calling me and asking me for my social and date of birth due to a debt I owe. I did not disclose any information as i dont know who this person or business is. Apperently, I think my old apartments are the ones who placed me in collections but again not truly sure because I never received a statement showing the items or damages I owed.
Consumer complaint received 2023-03-28
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. (CA)

On XX/XX/XXXX, I contacted Experian regarding accounts that are reporting incorrectly. As of today, they have not responded or fixed the issue. The following accounts are in question : Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} The information presented on this account needs to be investigated. The original creditor XXXX XXXX XXXX XXXX XXXX XXXX, but I have not been contacted by XXXX XXXX XXXX. The balance amount of {$5600.00} is inflated and inaccurate. I do not recognize this amount, and I believe I owe a lower amount. Therefore, I dispute the entire account and request that you verify the following dates : Date Opened and Date of First Delinquency. 

Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} The information presented for this account is also inaccurate. The original creditor on this account is a different company, XXXX XXXX XXXX, than the one you indicate. The reported balance of {$140.00} is higher than the amount I believe I owe. I dispute this account and request a verification of Date Opened and Date of First Delinquency.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

someone put a car in my name and i showed police reports to get it removed and all of the credit bereau has removed them except one equifax and when i contacted them even tho its pass 10years they said they have to remove it when it was reported to them which would be XX/XX/2022 2022
Consumer complaint received 2016-07-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CT)

ERC ( Enhanced Recovery Company ), is in possession of a XXXX XXXX loan, according to XXXX records. Despite some fraud charges and items/orders I did not receive, I 've attempted to make payment arrangements. However, XXXX XXXX reps would not lower payment amount due. They insisted on a payment plan, but a payment plan or arrangement does not lower actual amount due nor does it waive any late or over limit fees. They were or are attempted to collect a minimum payment of well over XXXX, a VERY unreasonable amount considering the fraud/missing orders and or items. The fraud aspect of the account is due to a cousin with almost an identical name, XXXX XXXX. My name is XXXX XXXX XXXX, he does not have a middle initial or does not use one. He placed a number of orders with an XXXX, orders running into the XXXX. There are also some orders which I did not receive, however, I do not have the company names available to me as I do not have a full accounting of past orders. I do know the majority of the balance is from an XXXX, jewelry orders. This is fraud. He used my computer to go on XXXX, placed the orders without my consent.
Consumer complaint received 2015-08-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

Equifax reports the following accounts in my name as collection/charge offs. I do not have accounts with these creditors and I 've repeatedly stated that I was not working in this country since XXXX 2003. These accounts are not mine and may be the product of identity theft. It does state that consumer disputes the accounts but this has been labeled for quite some time. 
XXXX XXXX $ XXXX XXXX Bank XXXX XXXX XXXX