davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

Hello, This is my second complaint with AES Success. My XXXX complaint was about them was not following the repayment on my loan documents and starting my interest payments early and not sending anything in writing about any payment being owed. I had found about about this when they reported it to the credit bureaus. When I filled my complaint my loan documents in pheea/pa forward matched mine exactly. I went in this morning and my loan document was changed to match what they were saying my start date of my interest was due. I guess they can go in and just change the terms of the loan. I guess they went in after my complaint to match what they were saying and basically changed the loan document after I had signed the other documents that I have on hand. I'm making my second complaint because I just got a letter and now they have changed my repayment. They now have changed my repayment to start repaying my actual loan payments when the loan document that I have and the one they changed online to start my payments of XXXX of XXXX, XXXX. My repayment on my original loan documents that I have say XX/XX/XXXX. The updated loan documents that I did not electronically sign that they have now updated shows XX/XX/XXXX. Is this legal for them to just to be able to change loan terms??? My daughter is in school until XX/XX/XXXX. Why am I being required to now start repaying a loan that shouldn't be due. I'm only requrired to make interest payments until XX/XX/XXXX. Why can this company be allowed to just go in and change loan documents whenever they choose??? I work in the car industry and deal with car loans on a daily basis with paper contracts and electronic contracts. If one of the banks we use or our dealership modified loan documents after they were signed the dealership or bank would be in serious trouble. So how can AES Success just be able to go into my loan documents and just change them??? I sent proof of my original loan last complaint. But I guess they can continue to operate and manipulate loan documents to match to whatever they see fit. I wish I would have never taken a loan out through XXXX. I had no idea that AES was going to be my loan servicer. I've attached my original loan document that I signed electronically. I've also attached the one they updated. The updated one was one updated a day later. They backdated this to the date after I signed my original loan document. This document was not in paforward 's website when I submitted my initial complaint number XXXX. Sometime after I made this complaint they changed my loan documents to match was I was disputing. When I submitted my first complaint my original loan document was in there matching my original loan document. They went in and changed it. Why is this company allowed to operate????
Consumer complaint received 2016-02-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MA)

I would like to know who owns a home equity loan. I keep getting correspondence from XXXX banks. This loan was originated by a different bank and has been sold numerous times. I want to know which company OWNS this loan not which company services the loan. When was this loan acquired and what is the balance.
Consumer complaint received 2015-07-16
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BlueChip Financial (GA)

I am filing a formal complaint against XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, IL XXXX. This company is attempting to collect a debt that I do not owe. XXXX is falsely accusing me of not fulfilling a contractual obligation with SPOTLOAN ( PAYDAY LOAN ). I have never heard of this entity and have not done any business with neither the debt collection agency nor the creditor. 
I am not sure how this entity has obtained my information but I can assure that I have never applied for a payday loan.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I XXXX XXXX am filing a complaint against the Experian Credit Bureau because for the past 2 years I do not have a credit score and after calling and writing the company this important issue has not been resolved. This problem has cause me not to be able to get approved for any kind of business funding from my Bank.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

I have disputed with all XXXX Bureau 's about Hard Inquiry on my credit report and was told that they can not remove them and that I needed to contact the institutions and that the institutions needed to send a letter to each Bureau to have them removed. I did what each Bureau told me to do. It took me a week to get any type of answers from each creditor. The Creditors were suppose to send a letter to the each Bureau to have it removed. I waited a month and the inquiries are still on my credit report. I contacted all XXXX Bureau 's and they are still refusing to remove them even after I contacted the Creditors to have them remove them. I am not sure what else to do.
Consumer complaint received 2017-03-19
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BMW Financial Services NA, LLC (CA)

BMW Financial Services is using multiple debt collection services and continues to collect on an invoice that has already been paid. 
In 2016, the used XXXX from GA and now they switched to XXXX. There have been other collection services involved as well, however, I do not have access to the paper any more. 

In all these cases, we provided the sufficient evidence that the payment has been made. BMW seems to ignore that information and is switching to another debt collection agency.
Consumer complaint received 2016-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GRANITE STATE MANAGEMENT & RESOURCES (NY)

Granite State Management and Resources erroneously submitted to my credit reporting agencies that I filled for bankruptcy and claimed my student loan accounts as those I could not pay. My account is up to date. My XXXX scores dropped XXXX points. I called and the customer service representative indicated it was an error that impacted " thousands of borrowers '' and that they were fixing the issue. She indicated they were not planning on notifying borrowers and I explicitly had to request a letter. I asked for free credit monitoring and they would not provide it. They said I had to keep an eye on it. They would not provide a reference number for my call.
Consumer complaint received 2015-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Alliance One, Inc. (TN)

Received a collection letter from Alliance One on XXXX/XXXX/2015 dated XXXX/XXXX/2015 attempting to collect an incorrect amount of {$6.00} with additional fees of {$6.00} for a debt from the XXXX program that is not due until XXXX/XXXX/2015 dated XXXX/XXXX/2015 in the amount of {$4.00}. This debt collection is attempting to collect when the bill is not even due. And XXXX letter threatens to issue a traffic citation if not paid. IT IS ILLEGAL TO USE AGENCIES TO COLLECT DEBTS AS PAST DUE WHEN THEY ARE NOT DUE! XXXX DAYS IS NOT ADEQUATE NOTICE FOR ANYONE TO PAY! 

I am absolutely ticked off enough to never travel to Florida again over a {$4.00} toll where the state is too cheap to have toll booths with people collecting {$1.00} to use the road.
Consumer complaint received 2022-09-07
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. (NV)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$150.00} Late Date August 30 days late.
Consumer complaint received 2016-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ECMC GROUP, INC. (CA)

Received this loan from XXXX XXXX XXXX XXXX in XX/XX/XXXX. It was for {$6000.00}. This was to be forgiven when I XXXX in a culturally deprived or low income district which I did by XXXX in XXXX Ca. and at XXXX XXXX in XXXX XXXX. The XXXX program, administered by the state was supposed to complete the forgiveness process in XX/XX/XXXX-XX/XX/XXXX or so. This never happened, in spite or many attempts on my part to contact them and have the loan forgiven. Since then the loan has been boughtand sold several times and is now in the hands of XXXX to the tune of {$12000.00}. This is utterly ridiculous. It 's been nearly 20 years that I have been paying on this loan and trying to get it forgiven.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MA)

A few months ago I disputed XXXX chapter XXXX bankruptcy entries with Experian ; after many attempts ; Experian continues to validate the entries and remove them from my report. In XXXX of 2016 I sent a letter straight to the Bankruptcy court at the address that Experian reported to me at the end of their investigation. The letter was returned to me undeliverable as addressed. this again shows that they 're reporting bad information. Please remove these entries from my report. I have uploaded documents proving my statement.
Consumer complaint received 2016-09-08
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (PA)

My last XXXX or XXXX applications for credit card offered through Chase have been rejected, each time citing only that I have applied for too many cards in the past two years. This includes their Sapphire card and Explorer card for XXXX XXXX. They are not addressing total outstanding revolving debt but submissions for cards in general to all banks. After the last letter, I called and asked them to reconsider, they respectfully declined. I asked them why they are the only ones in the industry who use this criterion for declination and they could not answer me.
Consumer complaint received 2023-04-17
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-09-07
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. (NV)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$150.00} Late Date August 30 days late.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to you to express my deep concern and frustration regarding the lack of response to the disputes I have submitted since XXXX of last year. According to the Fair Credit Reporting Act ( FCRA ), I have the right to challenge and correct any incorrect information that may be included in my credit reports.

I have submitted several disputes to their offices to correct the inaccurate information being reported in my credit reports. These disputes have been detailed and well-founded, complying with the requirements set by the FCRA. However, as of the date of this complaint, I have not received any response or action from any of the three credit bureaus. 

The FCRA clearly states that consumers have the right to a timely and fair investigation of any dispute they file. The lack of response from XXXX, XXXX, and TransUnion goes against these rights and puts me in a compromised financial position due to the incorrect information that continues to affect my credit history. 

I urge you to comply with the law and proceed with the corresponding investigation to correct and update the incorrect information on my credit reports. Additionally, I request that you contact me immediately to provide a clear explanation of the delay and the current status of my disputes. 

I understand the importance of maintaining accurate and up-to-date credit reports, and I trust that you will take the necessary steps to rectify this situation promptly and in accordance with the FCRA. 

I appreciate your attention to this matter and look forward to a prompt resolution.
Consumer complaint received 2016-09-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Revenue Management, Inc. (CA)

American Revenue Management is calling my work place and continually harassing me. My ex girlfriend is the one who owes them money but they keep harassing me. Their agent by the name of XXXX. XXXX has been calling my place of employment even after telling her this is not allowed.
Consumer complaint received 2015-11-17
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SECURITY FINANCIAL (TX)

I refinanced my V.A. home XX/XX/XXXX under the XXXX. hybrid ARM. The United Security Financial Corporation or XXXX XXXX sent me a notice yesterday. They said under my contract my rates could increase to {$1000.00} according to my closing documents. Interest rates have begun to show a sign of increasing. I feel this is a deceptive practice. The rules with the XXXX. hybrid ARM are clear. My interest rate is locked in for 3 years. The rate can never increase any more than 1 percent per year. The rate can never go up over 5 percent. My initial rate was 1.75 %. My rate is subject to change on XXXX.
Consumer complaint received 2015-07-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (DC)

I closed my account with XXXX XXXX in XXXX 2014. The effective date in my cancellation confirmation email was XXXX XXXX, 2014. Disconnect Order Number : XXXX. They continued to bill me for XXXX months after the fact ( XX/XX/XXXX and XX/XX/XXXX ). I confirmed with XXXX that my account was paid off in full when I canceled the account for XX/XX/XXXX. I just received a call from debt collectors today without any prior notice and they refused to let me speak with someone to XXXX to dispute the claim.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (WA)

I purchased through Amazon with paying with their Amazon Synchrony bank credit card. a XXXX XXXX XXXX XXXX XXXX '' XXXX with shipping and tax. on XX/XX/2020. 
I returned the item as it was to big and was supposed to be refunded on XX/XX/2020 which I have not received the payment from Amazon on my Amazon Syncronohy bank credit card. I have contacted the Seller and the Seller stated that Amazon has not refunded me the money. {$100.00}. 
I paid off all my purchases I made n XXXX on XX/XX/XXXX which I have paid for this in full already on my Amazon credit card.

Synchrony bank says they are not charging me for the item but I already paid for it.

I have not receive a refund for this item at all. I did make a dispute through Synchrony bank but they tell me it is Amazon problem and Amazon tells me it is the bank problem.
Consumer complaint received 2015-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION (CA)

BBVA Compass bank incorrectly reassessed my escrow account basing my estimated taxes on the previous year ( which was a partial year of taxes since I had just moved into the home ). They did this same thing with my brother who has a mortgage with BBVA Compass. When this happened to my brother I went into my local branch and specifically asked them if my escrow account would be funded correctly. They reassured me that my escrow account was accurate for my taxes and insurance payment. A year later now and I received a statement showing a deficit in my escrow account and stating that my mortgage payment would increase by about {$400.00} a month. I explained to them this is unacceptable and that I do n't have an extra {$400.00} a month laying around. They basically stated that their was nothing they could do even though they were at fault for not calculating the correct amount of estimated taxes by looking at the published tax rates for the county/city.
Consumer complaint received 2016-03-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION (TX)

I bought my first house in Florida after graduating from college and securing a job. I settled down and had a family. Then, my job relocated me out of state. The housing market crashed. I had a high interest rate XXXX % and was severely 'under water ' and I could not refinance. I submitted several hardship requests to the bank asking for help with little help. I held on for the property for over 5 years and consecutively lost money every month. 
My husband lost his job and my son had health problems. I could no longer afford to lose money on a XXXX residence that I finally put the house up for sale. I bought the house for $ XXXX and sadly could only sell the property for $ XXXX. 
Before finalizing the short sale, I worked with BBVA Compass where I would pay $ XXXX of the short sale. I never received a bill or statement so I sent in a check to the normal address for mortgage billing. My check was returned with the response of 'account has been closed '. I called in several times to only get a voicemail and my calls were never returned. 
A few months later a debt collection company reached out to me with a XXXX bill. I did n't have that much money. We negotiated a {$2.00} settlement to cover the whole outstanding balance with Compass Bank. The next month I was served with court papers. I immediately hired a lawyer. I was never notified of my court date and now I had a judgment of the full balance ~ $ XXXX. 
I tried working with Compass Bank continuously since the judgment date ( XX/XX/XXXX ). Their legal team was not aware of the $ XXXX settlement paperwork. I 'm trying to get them to work with me and they refuse and want to play games. For example, they offered me a settlement option at $ XXXX XXXX 2015. I tried to accept the offer later in the year ( after securing enough $ $ ) and now they wo n't accept that offer. They continue to garnish my bank accounts and cause emotional distress to family. Their greed and business practices are disappointing and unethical. I want to terminate my relationship with this company and move forward but they will not make any counter offers or strive to make an attempt to resolve this issue. 
I 've tried requesting help from governmental agencies with no luck. There are a lot of programs available but because the loan was not underwritten by XXXX XXXX or XXXX I have n't qualified. Please help!! 
Respectfully, CBK