davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Sortis Financial, Inc. (MD)

ClearSpring Loan Services states I have a debt of {$950.00}. This is the XXXX or XXXX debt collector who has provided me with this debt. XXXX debt collector must be selling to another debt collector. They have stated this debt is a result of a foreclosure I had in XXXX XXXX. However, my research unveiled by calling the county court 's office of where the property was located, that the bank bought back the property for what was owed on the mortgage, no more. I reached out to the debt collector to give me more information about this debt on numerous occasions with a breakout of what this charge is for so I can verify. They 've agreed that they would do so on XXXX different occasions, but they never have. Each time, I get the same letter in the mail that says I have a debt of {$950.00}. No breakout whatsoever. They keep making empty promises, as the debt collectors call me every few days for the last couple years trying to collect. I grew so tired of them not abiding to their promises that I stop answering their calls. It is very frustrating, I keep getting the same runaround, and this has happened for several years. Additionally, I got a notice from them stating this : " As required by Section 46A-2-128 of the XXXX XXXX XXXX, ClearSpring Loan Services , Inc. is required to notify you of the following information concerning the account referenced above : " The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX - XXXX MRT Deficiencies can not sure you for it and XXXX - XXXX MRT Deficiencies can not report it to any credit reporting agencies. '' Even after receiving this notice, they still call me and try and collect on the apparent debt they say I owe. I called them to question this, and they stated that this notice does n't mean the debt goes away. I 've done everything I know of to research to see if there was a debt, requested the debt collector to send me a breakout of the debt so I can verify, but this has n't solved anything. I was so frustrated with them, I asked them never to call me again and that I wo n't pay them without being able to verify if this really is a debt of mine. However, they keep calling. I am writing because the debt still shows up on my credit report ; I would like that to be removed because I 'm under the impression when I go to get my next mortgage the bank securing the loan wo n't give it to me with a debt collection being reported. Please help. Thank you.
Consumer complaint received 2019-02-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (WA)

Convergent Outsourcing is reporting that I currently owe them {$1100.00} from XXXX reported XX/XX/XXXX. I do not believe I owe this debt, nor have I had XXXX. I have now been with XXXX  as my phone service since XX/XX/XXXX. And before XXXX I was on a plan with a family member. I would appreciate the removal of this debt on my credit reports as I believe this has been wrongly associated to me. Thank you.
Consumer complaint received 2016-06-10
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (FL)

American Express Serve cancelled my card. They were suppoed to send me a check with the remaining funds attached to it but never have. This was over a month ago and they told me on a recorded line that it would have been sent out within XXXX days.
Consumer complaint received 2015-08-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

I defaulted on my private student loan account due to a bank error, in which my check was returned although I had sufficient funds to cover the payment. In turn, this caused further delinquencies on my joint private student loan account, which has been negatively reported to the XXXX major credit bureaus. 

Attached is a letter from my bank, explaining the bank error that caused my account to go delinquent in XXXX 2015. I have tried disputing this directly with Navient and supplied them with the a copy of the bank letter, copies of all XXXX credit reports and they have denied my request to remove the negative credit markers against me, even though this was something beyond my control. 
I am asking that the delinquent markers be removed from all major credit reporting agencies.
Consumer complaint received 2020-06-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (LA)

PayPal ... ..Have been using PP for on-line purchases. The first mistake I made was making a purchase from an XXXX  seller in XXXX. Granted, it was only {$36.00}, but I paid for an item I never received. I filed a complaint about not receiving the item with PP after filing a complaint with the seller. Because the seller was able to provide a tracking number, PayPal refused to refund my monies for this very reason. Where is the proof that I received the item?
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

In XXXX I realized I was beyond 30 days behind on my personal loan payment with XXXX. In the past through 2020 I have had income issues related to lost business  from COVID. They had worked with me once before to not report a 30 day late payment. While this has improved, my income has not fully recovered. I had to contacted them to let them know my payment may be past 30 days late. As soon as I could, I payed both the past due and soon after the current month was caught up. After having never reported a payment late before as long as I had spoken with them and arranged repayment, they reported this payment late. Inconsistent reporting, leaves you very confused about the relationship with a lender. Needless to say, this resulted in an 80+ point drop in my credit score, destroying it. The account has been brought current, but is currently just a few days behind and will be caught up in a matter of days. If they are going to enforce their rules, they should do it in all cases. In my case I have had always kept it paid, and when I got behind it was brought up quickly. Please have the late payment for this account removed. Fair is fair, especially as we are trying to recover from an economic situation we did not cause, want or ask for.
Consumer complaint received 2019-06-03
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: U.S. Auto Sales Inc. (GA)

XXXX XXXX XXXX has been notified several times via phone and mail that they no longer are allowed to contact me. I do not wish to be contacted by US Auto via phone or mail. Any further contact by the company is a direct violation of my rights under the FCRA.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

Reference : DISPUTE PER CREDIT CARD CLOSED AND THAT STILL APPEAR IN THE INQUIRIES SECTION FROM XXXX. Reviewing my credit history of XXXX XXXX XXXX, I found that in the INQUIRIES section from XXXX  still appears a credit card from JCPenney and closed in XXXX XXXX XXXX, please see attached evidence in pdf format. Previously, between XXXX and XXXX of XXXX, I contacted several times to customer services of JCPenney in relation to this issue, but they never take action to resolve this matter. . For the reasons stated above, I kindly request to remove from the section INQUIRIES any information reported by JCPenney to the Credit Report Agencies, this is an abuse because hard inquiries will impact my credit score.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion is currently leaking credit reports that are supposed to be frozen. If an credit report is frozen, fraudulent actors can still obtain a copy of your credit report. This is an explicit violation of the law. 

I have hard evidence to prove this if necessary. 

TransUnion mostly dodged my inquiries - either their system is inaccurate or they lied and said they never received a credit inquiry, despite hard evidence to the contrary.
Consumer complaint received 2015-08-26
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Due to unforseen business problems associated with the downturn in XXXX, I lost a business where I had personal guarantees that caused me to seek personal Bankruptcy in late XXXX through XXXX. At the time I owned XXXX homes with mortgages with XXXX different financial institutions. XXXX I lost through the bankruptcy, but the other I kept which is the XXXX I am writing about. As part of the process, I went through the HAMP ( Home Affordable Modification Program ) which resulted in a loan modification. The trial period was completed in XXXX and a loan modification was completed. I have made all payments fully and on time since the trial period began and continuing with a loan modification through today - additionally earning " pay for performance '' incentives from the program each month eligible. 

A large part of rebuilding my credit is the new history of on-time payments. As such it is important that all of my credit history be available. My mortgage holder refuses to acknowledge and report my mortgage performance to the credit bureaus, citing my bankruptcy as the reason they do not have to report it. They indicated that I did not " reconfirm '' in the Bankruptcy proceedings that I intended to keep the mortgage, although I acknowledged in my initial filing that it was my intent, went through the HAMP program during the Bankruptcy, signed new mortgage modification paperwork, and have made all payments on time since completing the trial period to qualify. Additionally, since they will not report anything, my old mortgage shows on my credit reports as in Bankruptcy without showing resolution. 

The Bank was not asked, nor did they offer, to reduce the principle amount owed on the loan. While the interest rate on the loan is less than the previous amount on the original mortgage, they will be whole once the note is paid off. 

I previously contacted the Bank on more than XXXX occasion, seeking to have payment information reported to the credit agencies. The farthest I have gotten was being referred to the Bankruptcy department where I was told that since I have not " reconfirmed '' my intent during the Bankruptcy they were under no obligation to report my information. My only option was to reopen my Bankruptcy ( at my cost ) to reconfirm the mortgage. 

While others did suffer because of my Bankruptcy, as well as me personally, this particular institution did not. The whole intent of Bankruptcy is to help people get out of overwhelming debt and get back on the right track to financial independence. I am working very hard to resurrect my credit rating which for many years was in the high XXXX. But that is made difficult by the fact that the Bank will not report my credit information. I can not accept that this Bank has the right to hold back such information since I have a modified loan in good standing.
Consumer complaint received 2019-02-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

I have had issues with this company since it acquired my mortgage from XXXX. I have finally been able to find a company to refinance my mortgage with a better interest rate than I had with Rushmore Loan Management.

Through the process, I requested two payoff letters that were faxed to my loan officer within three business days after the request. The second payoff letter was requested through the date of XX/XX/XXXX. My new loan actually closed on XX/XX/XXXX. According to at least one customer service rep, a new payoff letter was requested by the title company on XX/XX/XXXX. I was told that a payoff amount {$110000.00} as of XX/XX/XXXX was faxed to my loan officer. Per  my loan officer at XXXX, that fax was not received until XX/XX/XXXX. The amount of the payment to close the loan was electronically delivered on XX/XX/XXXX was {$110000.00}. That amount was taken from the payoff date through XX/XX/XXXX. I was told my loan was not paid off and closed without the {$78.00} shortage being paid ... in addition to a charge of {$19.00} per day that it was not paid in full. I have multiple email contact, phone calls, and text messages with my loan officer at XXXX XXXX as well as emails with XXXX XXXX XXXX. 

I disagree that I am required to pay interest on the {$78.00} when my request for payoff was dated XX/XX/XXXX. The payoff letter states " It states that if the " funds received on or after date will be charged an additional {$19.00} per day. '' My loan closed XX/XX/XXXX and a new final amount request was made on XX/XX/XXXX in order to process the electronic payment. Rushmore did not know the loan would close earlier, so how could the interest start on XX/XX/XXXX?
Consumer complaint received 2016-08-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION (MO)

In XXXX I called Central Financial Control about a medical bill that had been turned over, I told them I could pay $ XXXX monthly, which I have been paying faithfully since XXXX XXXX, yesterday XXXX/XXXX/XXXX, I saw that this account has been placed in collections and it is showing on my credit report, furthermore it is showing on there under XXXX different collections name. I did not get any notice after my call in XXXX and they have been receiving the payments. I feel like this is unfair, I should have gotten some sort of notice before it was added on my credit report,
Consumer complaint received 2015-08-24
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC. (FL)

my name is XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX fl. XXXX. I keep getting phone calls from creditors asking for XXXX XXXX and she lives XXXX XXXX XXXX XXXX XXXX florida XXXX. I get calls from her creditors asking for XXXX XXXX and I keep telling them that she does not live here and that the number they are calling is not hers. Today I called the FBI, Federal Trade Commission and they directed me to consumer finance. I am scared she is trying to do a scam on my property or my name. I can be reached at XXXX or my cell XXXX. I also am receiving mail in her name but with my address on it. The creditors that have been calling are midland XXXX. XXXX. 

Thank XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (CT)

In XX/XX/2016 I closed an account with American express ( card ending in XXXX ). The bill was due on XX/XX/XXXX, but I called them on XX/XX/XXXX and asked them to give me the actual balance including fees and interest. I wrote a check for the amount requested, they received the payment on XX/XX/XXXX and the account was liquidated. On XX/XX/XXXX, I received an email notifying me that I was delinquent on a payment on the same account and there were also late fees applied. When I called Amex to discuss the issues they had me going in circle, promised call back from supervisors but unfortunately no resolution was offered. They ultimately claimed that the difference was due to residual interest and there was no way to remove that charge. On XX/XX/XXXX, I end up paying {$20.00} to avoid further delinquency reports on my credit record but I think these practices are unfair and trying to resolve them is nearly impossible and a time consuming proposition. I decided to close all my personal American Express accounts and to avoid doing business with them in the future and I invite all other costumers that have experience similar issues to do the same.
Consumer complaint received 2016-05-02
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Navient Solutions, LLC. (CT)

I sent a letter to Navient asking to only be contacted via mail or email, yet I received at least 20 phone calls after they received the letter. I am also certain they received the letter because they sent me a response stating they could not negotiate terms via mail.
Consumer complaint received 2015-11-19
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

my sister bought a cashier check to pay me for a car I was selling my nephew. she obtained it from 5th 3rd at XXXX branch in XXXX.ky. they issued her a check on white plain paper. I took check to my bank and they refused to cash because the check was not on proper blue check paper. I then took to 5th 3rd XXXX branch and they also refused to cash. my sister called XXXX branch next day and was told they were out of blue paper but it was ok and to have XXXX branch called them when I went back to bank. id, we did, was told they were out of blue check paper for 3 days but all info was on the white paper-which was still uncashable. the XXXX branch manager was very helpful and I was issued a new check the next week.
Consumer complaint received 2022-09-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (TX)

Starting XX/XX/XXXX, Rocket mortgage request documents to assist with the application for success to reduce or repay a past due mortgage that remain after XXXX XXXX voluntary dismissal. An application was required, which was received and completed. Documents requested were sent multiple times, and the reply continues to be " we did not get them ''. XXXX was sent more than twice to request the same documents over and over. Several calls were made to Rocket Mortgage with the person from the accounts resolution team confirming the documents were received, however I was read the notes which stated all the information had not been received, then again maybe got cross in the mail and the account would be noted as such. This went on from XXXX to XXXX stating I was still missing something HOWEVER, Rocket mortgage had no intentions of working with my wife and I at all. The rouse was to tell us that documents were not received while preparing default letters, then a closure letter, stating that since documents were not received we are closing this file was only to buy time with a continued excuse Rocket Mortgage never received requested documents. A few days later I received a certified letter from their attorneys declaring the unpaid amount with numerous fees. All along the information was received but Rocket Mortgage are only interested in receiving {$3500.00} right now, which is pass due amount then a further balance of {$43000.00}. While this scheme went on every day, stating you miss a signature here, another mail said you left out the address, still another one, you didnt answer this question..for several weeks with an account resolution team member confirming, yes we received and maybe it just cross in the mail, afterward we received another correspondence from Rocket Mortgage ; a closure letter stating that since the information was not received we are closing our efforts and foreclosure will continue. Since then, Ive received a certified copy of an order sent to their attorneys with the intent to foreclose. I am filing this complaint regarding the lack of communication that appears to be INTENTIONAL with the unscrupulous efforts to attempt foreclosure. This is a HELOC loan that was taken out in XXXX, and now has a balance of {$43000.00} with {$3000.00} past due. 


Regards, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (NC)

Thank you for taking the time to review the complaint. After reviewing the credit profile, there's a series of medical bills displayed from Medical Data Systems. During the time of treatments, all coverage was considered in-network of coverage. If medical coverage wasn't covered, prior to scheduling no one gave an indication, offered any financial assistance. The series of collections continues to compromised credit score along with creditworthiness.
Consumer complaint received 2022-03-01
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: Bread Financial Holdings, Inc. (PA)

Some one stole my identity and applied for a store credit card in my name. I called the company and the verified and sent me paperwork stating the application was fraudulent. Who ever applied for the card it was was a hard inquiry which is still on my credit report and its affecting my score.
Consumer complaint received 2017-10-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

RE : Unverified inaccurate items : 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 I have been back and forth with Transunion and XXXX for several months about how they continue to report incorrect information that does not reflect my true accurate credit report. I have supporting documentation from XXXX where I disputed several items ( XXXX XXXX ) that were being incorrectly reported and XXXX ; s completed investigation results came back that these were unverified accounts and they were deleted from my credit report. I also sent Transunion and XXXX a dispute as well around the same time disputing these incorrect items. Their investigations came back Verified. When I sent another letter asking for their verification process method with detailed questions that I wanted answers and documentation proof ; I did not receive anything from Transunion and XXXX. Yet til this day Transunion and XXXX are continuing to report these inaccurate unverifed items on my credit reports. I am uploading supporting documentation from XXXX  showing that these items were deleted because they were unverified and inaccurate. Transunion and XXXX need to follow suit and delete the abovementioned incorrect items from my credit reports immediately.They must be removed in order to show my true credit history, as these items should not be on my credit report Pursuant to the Fair Credit Reporting Act. I expect this to be completed within 30 days.Please send me an updated report as soon as soon your investigation is complete.