davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-19
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Machol & Johannes, LLC (CO)

Recently, I read that you are investigating complaints against XXXX Bank. In XX/XX/XXXX I was going to file Chapter XXXX bankruptcy, which included XXXX XXXX XXXX card, but I decided not to continue with the bankruptcy. Due to that, XXXX stopped sending me statements. Then in XX/XX/XXXX I received a letter stating that a debt collector had put a lien on my house due to the debt owed to XXXX bank. I contacted the Debt collector and I agreed to pay them {$100.00} a month til the debt was repaid. The problem is that they charge me 8 % interest on the balance. The debt Collector said that I owe them {$12000.00}. I have paid them {$100.00} a month since XX/XX/XXXX, and they said I still owe them {$11000.00}. At this rate I will never pay them off. I have tried to refinance my mortgage but because of the lien from XXXX Bank and the debt collector 's refusal to subordinate, I ca n't refinance my home. I am XXXX years old and live on retirement pay. It would help a lot financially to have a lower interest rate on my mortgage. The debt collector is Machol & Johannes, LLC., XXXX XXXX XXXX, XXXX , CO XXXX, XXXX. I want them to remove the lien on my home and to discontinue charging me 8 % interest. I have no problem in continuing to pay them the {$100.00} a month until paid in full, or to reach a payoff settlement. I can manage to come up with {$4000.00} for a settlement.
Consumer complaint received 2021-02-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FC HoldCo LLC (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX. XXXX  XXXX XXXX GA XXXX XX/XX/2021 RE : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by Flagship Credit Acceptance in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see you have my account listed as a Derogatory and Charged off account. This account has already been disputed and removed from my XXXX  credit report due to inaccuracies. 

I challenge the accuracy, compliance and reportability of this listing. 

Please validate this information with Flagship Credit Acceptance and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : XXXX XXXX XXXX Cc : XXXX XXXX XXXX
Consumer complaint received 2020-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

My previous complaint was recently closed and did not answer my question. I asked fedloan about why I am still being held responsible for 2 loans that clearly show the disbarment was cancelled and also states {$0.00} of {$2000.00} was disbursed & {$0.00} out of of {$1000.00} was disbursed, they stated the reason it shows cancelled is in regards to the second disbursement. However, when I view the loan period for said loans the dates show XX/XX/XXXX-XX/XX/XXXX. How could there be a second  disbursement made in XXXX when thats after said loan period? Also, why were 2 of the 3 second disbursements cancelled and not the other? That does not make any sense how you would cancel 2 second disbursements but allow 1 other to be disbursed. If what your saying is accurate then I would be charged for a second disbursement ( that you claim was disbursed ) on my loan breakdown but it does not appear. Whats even more concerning is that at the top of the total loan breakdown it shows {$4800.00} total owed, {$1700.00} original amount awarded ( coincidently the same amount as ONE loan that was disbursed, ONE time. ) I am requesting all documentation relating to every disbursement that was ever made, cancelled or not, every cancellation and copies of the alleged second disbursement that was cancelled for 2 loans as well as the second disbursement that was successfully awarded.
Consumer complaint received 2016-05-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (UT)

My loan was recently sold back to XXXX XXXX XXXX. Bay view loan servicing decided to add XXXX cents onto my loan under XXXX advance without notification or any explanation. They just sneakily applied it to my loan. XXXX XXXX XXXX than decides to add that to my loan payment and says I owe that much. First off let me say I am disputing all of those charges. I phoned bayview and they advised me all it says is its for litigation ... ..I have no litigation and it was added conveniently to my loan in XXXX XXXX ' to the time it was transferred in XXXX XXXX. I had no notice of it I was just paying my monthly mortgage.
Consumer complaint received 2021-02-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC. (CA)

I was recently in a forebearance program with my mortgage servicer ( SunWest Mortgage Co. ) I am fully caught up with all payments and attempting to re-enroll in their in-house auto payment program. Their loan portal shows me a message saying that I need to contact their customer service team to re-enroll in auto payments since I was enrolled in their forebearance program. This wouldn't be a problem but I can not get any customer service support. When I call I wait on hold for an hour then I am directed to an automated prompt telling me to leave a voicemail and they'll call me back. The call back never comes. I have also attempted to resolve this over their website 's online chat customer service and their own agents then tell me that i'll get a call back within 24 hours ... that never comes either. I find it odd and disconcerting because for a large company that has so many regional offices nationwide and who was until recently, so easy to contact and speak to an agent, is now impossible to communicate with. This seems highly suspicious to me in the way smoke makes me suspicious of fire.
Consumer complaint received 2020-07-13
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: EQUIFAX, INC. (OH)

There are three items listed on my credit report that are actually past the statute of limitations and when I started this I did exactly as they said I submitted my request in writing and the information was sent on XX/XX/2020 after 45 days there was no response another dispute was send XX/XX/2020 still nothing. There is nothing in the Care 's Act that indicates the credit bureaus are allow longer than the allotted time of 30-45 days.
Consumer complaint received 2015-08-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: American Recovery Service Incorporated (KY)

I settled this debt in full on XXXX/XXXX/15 after a settlement agreement was reached. I was told the lien would be removed from my home and 42 days layer the lien is still in place and I continue to show a balance with this company. ARSI is the debt collector and XXXX was the original creditor. I will upload receipts and emails and the settlement offer indicating this debt is paid in full
Consumer complaint received 2021-11-29
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: EQUIFAX, INC. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (CA)

XX/XX/XXXX XXXX account defaulted - coordinated with my bank to get funds that weren't there. Harassed and planned to ruin reputation and credit. The collection agency the account was opened in XX/XX/XXXX, it defaulted two years earlier in XXXX.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I can't find the contact for XXXX/credit bureau. 

On XXXX XXXX 2019 I had disputed XXXX XXXX XXXX for {$1700.00} ( and {$700.00} still waiting ) that was incorrectly on my account for years bringing my score down. Through XXXX, I disputed it and on XX/XX/XXXX the item was removed from my credit report. 
BUT the years of damage that the error caused on my score still remains. They had no right to put it on my account in the first place, and my score should have jumped at least 100 points to make up for the error that was put on my account.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I called into Capital One to request that my XX/XX/XXXX late payment be waived due to being unemployed to the pandemic. I also experienced an unexpected death in my family and I forgot to make my payment. I have not charged anything on the card since XX/XX/XXXX almost 1 year. I have been diligently working towards paying this credit card off. I was informed that the {$25.00} late fee could not be waived.
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MO)

For years, XXXX automatically deducted my mortgage with no problems. But before Bayview took over, XXXX sent me a statement ( which I confirmed by phone call ) that my payment as of XXXX/XXXX/2015 would be {$610.00} instead of the current {$660.00}. 

Bayview bills me {$660.00} & does n't explain the discrepancy. I 'm inundated with letters repeating the same stuff & incorrect information from the loan counselor. Recenty, I got a letter that my account was transferred to another company & been waiting for details on who to pay for XX/XX/XXXX. 

Yesterday, Bayview sent a loan modification application for which they 've previously said I did n't qualify. 

In XXXX, transactions with the current servicer has me confused, stressed out, & suspicious.
Consumer complaint received 2022-12-14
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. (GA)

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within XXXX days of receipt of this letter.
Consumer complaint received 2021-02-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Direct Recovery Services, LLC (IA)

They ( specifically XXXX XXXX ) called and left a nasty voicemail with threatening language about an old debt that I have repeatedly disputed. I have never had a credit card from the original creditor that is listed. XXXX became very aggravated and agressive in the voice mail and even caught himself at one point and pointed out his aggravation. He also mentioned it would " behoove '' me to pay in a threatening tone. Never in the message did XXXX or the automated voice inform me who was calling or who the original creditor of the debt was, but demanded payment on an invalid debt. I have received no paper communication from this company in the mail, else I would have disputed it as I have several times withother companies claiming I owe this debt. Not one of these companies has furnished any proof or an original contract that I owe such debt or have ever had such card. They simply say that I DO owe it.
Consumer complaint received 2019-05-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Neil Huffman Automobiles Inc. (IN)

Me and my husband when to Neil Hoffman family of dealers in XXXX Ky on XX/XX/19 to purchase a vehicle, We were purchasing the vehicle with cash, they had me fill out some paperwork which they told me was for the title and registration and also for the purchase order, by my surprise, on XX/XX/19 I received a letter in the mail detailing that I was denied by their credit department for a vehicle loan, Not once did they inform me that I was completing a loan application or ask me for any details about a loan application, I contacted the dealership on from XX/XX/XXXX - XX/XX/XXXXto inquire about why my credit was checked for a cash purchase with no call back, I am in contact with the credit reporting companies to get the unauthorized credit pull removed as it dropped my score
Consumer complaint received 2022-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is improperly using my SSN for a XXXX ( C ) ( 3 ) tax exempt Private Foundation. 

An Irrevocable Trust opened a Checking, savings, and investment account on XX/XX/22. Bank of America was given a copy on the Irrevocable Trusts EIN, a copy of the original notarized documents creating the Irrevocable Trust, and a notarized Trustee Certification form for a Cash Management Account for Irrevocable Trust. 

On XX/XX/XXXX an email was sent to Bank of America alerting them to the change in status of the Irrevocable Trust by the IRS into A recognized XXXX ( C ) ( 3 ) tax exempt Private Foundation. 

Bank of America was alerted many times about improperly using my SSN through a few in person meetings, Phone calls and an email on XX/XX/XXXX. 

There response has been the same, refusal to fix the issue.
Consumer complaint received 2019-05-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc. (OK)

On XX/XX/19 I called Amcol systems Inc to try and resolve my debt. I was unaware that this debt was being sent to them by XXXX XXXX XXXX XXXX in XXXX, Oklahoma. I offered to make a monthly payment of {$25.00} until my debt was resolved. Amcol stated they would collect my payment, but would not report to the credit companies that any payments were being made unless the amount was at least {$59.00}. That is an unreasonable amount, as I am trying to make arrangements to pay off other debt as well. I would like this to be removed from my account if Amcol is not willing to work with me on the payment arrangement I can afford.
Consumer complaint received 2018-05-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I called Bank Of America about my tax statements from XX/XX/XXXX-XX/XX/XXXX I was told they could only provide me with XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX I feel this is fraudulent I need those tax statements ASAP
Consumer complaint received 2021-01-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I HAVE BEEN CONTACTING ALL THREE OF THE CREDIT BUREAUS TO CORRECT MY CREDIT REPORT UNDER MY SOCIAL THEY HAVE ON FILE SINCE XX/XX/XXXX!! NOT ONCE DID I RECEIVE ANYTHING IN THE MAIL IN REGARDS TO MY INVESTIGATION. THIS IS RIDICULOUS I AM TRYING TO PURCHASE A HOME AND FIX INACCURACIES ON MY CREDIT REPORT AND NOTHING HAS BEEN SOLVED. AT THIS POINT I AM DISTRESSED MY THE NEGLIGENCE ON THEIR BEHALF.
Consumer complaint received 2019-05-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (TN)

I had a 12 month agreement with Comenity Bank and it expired on XX/XX/19. The company never gave me information to pay it off and then I was charged a finance charge on XX/XX/XXXX that didn't appear until two statements later in the amount of {$370.00} If it would've been communicated, I could've paid off and avoided the fee.
Consumer complaint received 2017-05-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC (NJ)

On Thursday,   XXXX   XXXX  2017    I received three consecutive phone calls at   XXXX   XXXX  ,   XXXX   XXXX  , and   XXXX   XXXX   from (  XXXX  )  XXXX . The first  two  phone calls each rang once and then ended. I picked up the third call at the first ring, as I was able to recognize the number from the  two  previous calls. When I answered, the phone call immediately ended. I called the number back at   XXXX   XXXX  . After it rang once, an automated message said, " All of our representatives are busy. Please hold. '' Almost immediately, a woman came on the line. I told her that I had three missed calls from this number and would like to know who was trying to reach me. She responded by asking me to verify my name  (  first and last ). Being completely unaware of who was calling, I responded by asking, " Who is calling? '' She again said my name and asked me to confirm that it was me calling. I refuse to give or verify my name to someone I do not know, so I asked her to tell me who was calling again. She put me on hold. After a short pause, a second, different woman came on the line telling me she was trying to reach  [ my na me ]. I told her that I would not verify anything until I was told who was calling ME three times in one night. This went back and forth a few times until she raised her voice. In an extremely abusive and disrespectful manner, she informed me that I " MUST STOP YELLING AT HER! '' I was in no way yelling, but simply asking her to tell me who was calling my personal cell number. I again told her I would like to know who is calling. With her voice still aggressive and loud, she yelled, " THIS IS  PHOENIX FINANCIAL! '' a nd hung up the phone.   I called the number back at   XXXX   XXXX   and spoke with a third woman, named  XXXX   XXXX . I asked to speak to a supervisor and she put me on hold. She returned to the line and informed me that everyone had left the building and she was the only person left since they close at  XXXX . I told her that I had just spoke to  two  people just before and would like to know who I could talk to now.  XXXX  told me that I had previously spoken to a supervisor named,  XXXX . I informed  XXXX  of my frustrations and she said I would have to call back tomorrow in order to reach a supervisor.  XXXX  also informed me that their calls are recorded. I hope you can listen to that recording to see just how rude  XXXX  was. Their approach is very secretive and suspicious as they call you multiple times, demand that you verify your identity, all while refusing to tell you the name of the company calling or any other telling information.
Consumer complaint received 2020-11-12
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. (TN)

I have sent documents to Experian showing them that XXXX removed a chapter XXXX bankruptcy from my credit report and they continue to states that this information is accurate. I have several documents from XXXX showing that they removed this item from my credit file with them.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

CHASE BANK is furnishing sensitive personal non public private information to consumer reporting agencies, and has failed to comply with my federal gramm leach bliley act OPT OUT request. I have given CHASE BANK 30+ days since delivery of my letter to them ( certified mail return receipt and letter attached below ) to comply with my gramm leach bliley act OPT OUT REQUEST. THE LAW STATES that if a consumer, me, requests to opt out of the sharing of their non public personal information which includes my name, account number, transaction history to any non affiliated third party which includes ANY AND ALL CONSUMER REPORTING AGENCIES- then the corporation must adhere to the request within a 'reasonable amount of time '. They received my letter XX/XX/2024, today is XX/XX/2024. ( See proof attached below ). Which is almost 60 DAYS. CHASE BANK is attempting to stall my request and is now ILLEGALLY furnishing my sensitive personal information which is affecting my relationships with banks. I'm submitting a TCR complaint for the mismanagement of my security for securities fraud.