davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TN)

I have been working with my mortgage company on a request to modify the mortgage. I 've submitted financials and the request several times I 've spoken with 3 servicers trying to save my home. My mother passed a year and a half ago from XXXX and I 'm her son that is living in the property. I recently received a property foreclosure notice from XXXX XXXX XXXX stating my property is going to be sold in a property foreclosure sale XXXX XXXX,2017. Please, Please, Help. The letter I received to validate the debt did not show my servicers were three deferent servicers I have not received the foreclosure notice from the servicers as stated on the letter
Consumer complaint received 2018-03-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (CA)

I have been attempting to dispute an illegal collection account on my credit report for many months now. I have submitted two different complaints through the financial protection bureau about XXXX  XXXX. It has been IMPOSSIBLE getting any information about this incorrect account on my records, I do not owe any medical debt I am a XXXX recipient in state of California and I pay XXXX dollars every where I go and it has been this way for 7 years. In XXXX I got a notification from my credit monitoring that a XXXX XXXX  ( mysterious company ) has placed a negative collection against me for a mysterious debt which I DO NOT OWE! they ruined my credit and I lost over 160 points from them reporting me as a delinquent person to the credit bureaus. I disputed this and the CFPB required more information about them and for the LIFE of my I can not find who theses people are and where they came from and where there illegal debt originated from. 

I HAVE NEVER received a single letter, phone call, email or any correspondence AT ALL about any debt I owe and this company has illegally and prematurely reported me right away as a " in collection '' and I have no knowledge of this debt nor have I ever been to a XXXX or had labs done outside of my doctors office where my XXXX is on file. 

These people are vultures and snakes and they have ruined my life without warning me, notifying me or discussing anything or any invoices with me. How dare they??? I hope that they are found guilty of violating FDCPA laws and are SHUTT DOWN for illegal practices. SHAME on them!
Consumer complaint received 2017-07-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

XXXX is disputing this repayment plan and the fact that SPS did not do a full review, rather look at income alone and did a repayment plan. It is shocking that SPS is keeping the interest rate at a staggering 11.15 % and raising their payment by 2 times. SPS is increasing their payment by {$2300.00} per month. That is shocking. An interest rate at 11.15 on a first mortgage payment today would fall under section 32 TILA.
XXXX is requesting that you establish an affordable payment and take into account the hardship which detailed serious ongoing medical problems for XXXX XXXX.
XXXX made their first payment of {$3700.00} on XXXX/XXXX/17.
XXXX is respectfully requesting a full review and an affordable payment plan based on their household income minus medical bills that average {$1200.00} per month.
Consumer complaint received 2021-04-22
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: EQUIFAX, INC. (CA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2018-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WA)

I have multiple student loans that have been in repayment for more than 10 years. I currently owe about $33,000. I asked my previous loan servicer, Mohela, about qualifying for the Public Student Loan Forgiveness program and was told (via phone conversations) that I had to work for a qualifying employer and make 120 on time payments. They did not inform me that only specific types of payment plans qualified. Only recently did a Mohela representative point me to the correct form for PSLF, after years of being told I was on track. After completing the paperwork, I learned that NONE of the payments I made over the past 10 years qualify for PSLF because of the type of payment plan I was on, even though I was making on time with payments and worked for qualifying employers. I chose to work in the XXXX and public sector in part because of this program. I feel that Mohela misled me and provided incorrect information. Furthermore, the Federal Student Loan materials related to this program are confusing, not transparent, and difficult to navigate. Now that I've switched to a PSLF plan, it's nearly impossible to get straightforward answers to questions.
Consumer complaint received 2022-09-09
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. (MO)

I am appalled by the lack of responsibility on the Credit Bureaus ' behalf. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? Discontinue the stall tactics and please delete the disputed accounts reporting erroneously on my Credit Report. Upon further review of my Credit File, I immediately noted the following : a ) Charge Off account continue to report on my Credit File still indicating a balance, for all I know, Charge Off accounts report XXXX balance ; and b ) the accounts reported are already deleted from the other Credit Bureau, making me wonder why is it too difficult for the other Credit Bureaus to do the same? Under the Fair Credit Reporting Act, I am submitting this CFPB Complaint requesting that the Credit Bureaus must remove the disputed items completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2018-03-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I Leased a new vehicle from XXXX XXXX ( a subsidiary of XXXX XXXX ). I was under the impression that my lease was on auto-pay ( the first month was paid with delivery of the vehicle ). I was NEVER informed by writing or phone call until 2 months after my payment was due. My credit was severely impacted by this negligence. I called XXXX XXXX however they refused to take the marker off my record and mentioned that I have to speak with the dealership. The dealership said they can not do anything and I have to speak with XXXX XXXX.
Consumer complaint received 2018-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Portfolio Recovery is stating I owe a debt of {$1300.00}. There have been multiple attempts to dispute this claim via mail over the past couple months because this is not my debt and fraudulent activity with this account. I have never signed a contract, spoken to anyone by phone, or received any paperwork from Portfolio Recovery stating that I owe the debt or details of the debt.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

There are four accounts on my credit report that doesn't belong to me. There is n way for me to verify what those accounts are because there are no account numbers attached to the accounts. Not only that, the accounts are all seven years old. The last activity date on all of the accounts are XX/XX/XXXX. The accounts I am referring to are as follows : State Of Michigan # XXXX Opened XX/XX/XXXX State Of Michigan # XXXX Opened XX/XX/XXXX State Of Michigan # XXXX Opened XX/XX/XXXX State Of Michigan # XXXX Opened XX/XX/XXXX All of these accounts are over 7years old. None of them have a proper account number attached to them in order for them to be verified. I have no idea who these accounts belong to. They are illegally being updated every 2 years in order to remain on the credit report. These accounts need to be properly verified before they are put on my credit report.
Consumer complaint received 2018-03-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I Leased a new vehicle from XXXX XXXX ( a subsidiary of XXXX XXXX ). I was under the impression that my lease was on auto-pay ( the first month was paid with delivery of the vehicle ). I was NEVER informed by writing or phone call until 2 months after my payment was due. My credit was severely impacted by this negligence. I called XXXX XXXX however they refused to take the marker off my record and mentioned that I have to speak with the dealership. The dealership said they can not do anything and I have to speak with XXXX XXXX.
Consumer complaint received 2018-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (OH)

Over the last 120 days American Express has emailed and mailed me over 17 notices asking me to apply for either the Delta Gold, American Express Green or the American Express Blue card. I have a credit score of over 734 with established credit card accounts with XXXX ( 2 ), XXXX ( 2 ), XXXX XXXX ( 5 ), XXXX XXXX, etc. Oldest credit card line is over 37 years old with no late payments. I believe American Express 's credit approval system is working in an opposite direction than their marketing process, thus misleading many consumers ... promising in their marketing materials you are " pre-approved '' and wanted by them but their electronic process has obvious errors built into their system. I want American Express to stop misleading the consumer with misleading marketing messages and have my application reviewed. 

I am a top loyalty program XXXX flyer with both XXXX and XXXX XXXX memberships. XXXX has told me I am flagged for special treatment if I file any complaints and that they want to keep my flying loyalty. I currently sit on the XXXX XXXX XXXX XXXX for XXXX and deal directly with XXXX and the local airport management as XXXX XXXX.
Consumer complaint received 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

While checking my most recent Experian credit report, I noticed a credit inquiry that i did not authorize, made by the following company  XXXX  Date Filed   XXXX   Type All Banks - non specific Phone Number BYMAILONLY Address  XXXX   XXXX   XXXX   XXXX   XXXX  I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act  Section 1681b (     c ) and a serious breach of my privacy rights.   Please validate this information with this company and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file that you maintain under my Social Security number.
Consumer complaint received 2018-03-26
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I requested verification of this debt in which should follow the Sections 609 of the FCRA ACT.The company XXXX XXXX  did not send any verification. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2022-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (TX)

I have been trying to to dispute and remove the erroneous claim of debt owed to security credit services a collection agency that claims I owe them from an original debtor XXXX XXXX In the amount of XXXX XXXX dollars for a loan that was taken in my name without my authorization or knowledge. I have contacted the collection agency and sent over to them a police report of an ongoing investigation that has lead the evidence of atleast one person stealing my identity. I asked that the company promptly and immediately remove the account due to fraud. The company has also failed to send me any evidence and or proof that this account belongs to me.
Consumer complaint received 2018-01-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (VA)

I have been asking for mortgage assistance since XXXX XXXX. My account manger was non-responsive and I did not receive any update until early XXXX, when I was contacted by XXXX XXXX, AVP of servicing. She stated that my account manager was no longer with the company but had no idea why my new account manger had not been in contact with me. He finally was able to reach me by phone in mid XXXX and despite multiple requests to contact me via email, refused to do so until last week. 

I have finally received a determination from Fay Servicing and find it completely unacceptable. They will not offer ant loan modification arrangement other than the option to short sale the home, an option which is not going to work for us because we are severely under water- we 've owned the property for 10 years and it is worth less than we paid for it. It should be noted that I did not receive this notice from Fay Servicing, I received it via complaint I filed with the BBB- and the letter has the incorrect address on it, indicating the account manger did not change the address as he stated. 

I am a XXXX XXXX XXXX XXXX, previously worked for the XXXX XXXX XXXX as a XXXX XXXX XXXX serving overseas in hardship posts such as XXXX and XXXX. We had always made our payments on time until XXXX XXXX when our tenants decided to break their lease and we were unable to find new tenants in a timely fashion due to the housing market in our area. We have since secured new tenants and fully expect to be able to pay our mortgage on time, we are simply asking that the balance from the missed payments be added to the mortgage and that the late payments be removed from our credit report. This is necessary because I have a XXXX XXXX XXXX for my job and a poor credit rating puts me in danger of losing it, and my job. 

This is a serious matter which we believe has not been taken seriously by Fay Servicing and if we are not provided adequate assistance we will have no choice but to involve attorneys which we would rather not do. 

Please let me know if you need anything else, XXXX XXXX
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

We had scheduled a payment with CapitalOne to pay the entire balance due, {$9900.00}, we were charged an additional amount of {$160.00} in interest even though we paid the amount due within the grace period. We called CapitalOne and notified them of the discrepancy but they did not reverse the amount. I scheduled an immediate payment and told them to close the account but we ended up paying the {$160.00}.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (NY)

I have refused to pay the debt on any of these collection accounts and in pursuant to 15 USC 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Also, in pursuant to 15 USC 1692 ( g ) only the original creditor can validate a debt and that is me. The companies who have violated these consumer laws are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXXXXXX XXXX
Consumer complaint received 2022-03-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (TX)

I had attempted to pay off the loan twice and was told that I didnt have the proper information. Spoke to several different clients with Suntrust Bank and there appears to be miscommunication between staff. Suntrust flagged my credit due to missed payment. I only missed payment due to their miscommunication. I have since paid off the loan fully and would like my credit to be repaired to its original score
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2021, i was making a credit card payment at a Bank of America atm, I submitted check # XXXX for XXXX, when asked to confirm the total I accidently punched in {$2100.00} and hit confirm. I notified the charge card company in five minutes and told them that on Monday when they serviced the atm to apply the check for {$490.00} to the credit card and to credit the {$2100.00} back to my XXXX XXXX account, they did this on XXXX correctly however on XXXX XXXX they resubmitted check # XXXX for {$490.00} to XXXX XXXX and got a duplicate payment, when notified they said they had not done that and that i owed the {$2100.00}, which was a number I accidently entered on the atm I never owed that much. I filed a fraud complaint with XXXX XXXX against Bank of America getting a duplicate payment. They got the duplicate payment back, but Bank of America claims they paid my XXXX XXXX account twice for {$2100.00} once on XX/XX/XXXX and on XX/XX/XXXX, they never did the duplicate reimbursement on the XXXX only on the XXXX of XXXX.. I have my bank statements to prove this. On XX/XX/2021 I went to the XXXX XXXX Bank of America hoping they could direct me in correcting the problem I talked with assistant manager XXXX XXXX she took copies of my XXXX  account and sent it to the credit card section, i called collections on XX/XX/2021 and talked with XXXX XXXX he stated he didn't have the copies. I need the {$2100.00} ( {$2100.00} plus late fees and interest ) removed and my credit fixed if it was reported to the credit bureau negatively. This bank has a history of fraudulent dealing with interest and erroneous fees I have closed this account paid off my mortgage with them and I am going to close my banking account with them, crooks for sure no respect for a customer of 12 years who has paid them XXXX in mortgage payments/Interest I think I would listen to that customer, All the reps lie XXXX from XXXX Fl hung up on me I talked to about 15 reps all were rude uneducated working with outdated data and computers. I want this over
Consumer complaint received 2017-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

On XXXX XXXX I attempted to make a purchase with my credit card. I had checked my credit line/available credit on line using the bank website. My account shows a credit line of {$3500.00}, Available Credit of {$2300.00} and a balance of {$1100.00}. 
The purchase was denied at the checkout - I called the bank from the store and was told the account had been closed. I asked when the account was closed and was told it has been closed since XXXX. 
I received NO notification from the bank that the account had been closed - and the information I looked up on line for my account shows " available credit ''. When I received my paper statement it also includes and " available credit '' amount. I called the bank and asked why I have available credit showing if the account is closed. I did not receive a reasonable response. I believe they continued to show available credit to entice me to continue payments - and would let me know the account was no longer usable once the card was paid off.
Consumer complaint received 2021-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I am a victim of identity theft, and my XXXX account was taken over from XX/XX/XXXX to XX/XX/XXXX by the thief. During the time there were several transactions from my account to VENMO XXXX and the transactions have my name in the description and the same CO ID. Thus, I doubt there may be an account in VENMO in my name. 
On XX/XX/XXXX, I tried to call the VENMO fraud service to investigate these transactions and check whether the VENMO has accounts in my name. The agent said there was a verification process and asked me to follow it. He asked me my name, address, DoB, and my debit card information. After collecting my debit card information, he said the system does not accept this card, and asked for my credit card. I followed. Then, I found each card was charged {$1.00} from PRIVACY LOCKDOWN. Luckily, my bank sent me a notice and I denied the transaction.