davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (TX)

I checked my credit report and I saw a have a collection account for some type of medical bill for {$270.00} from XX/XX/2012. I have never received any type of letter from any hospital or doctors office for this. Every time I go to the doctor I pay my deductible no matter what service I am getting performed. I have never received a letter via mail or email regarding this collection on my credit, just today that I tried the free trial with XXXX to check get a free credit score report. 
The company it states on my credit report is called Amsher Collection Services in Alabama, I live in Texas. I just don't this company maybe a scam company, affecting my credit when I do not owe anything.
Consumer complaint received 2018-07-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Security National Automotive Acceptance (OK)

In XXXX I brought a car in XXXX ga. From SNAAC I fell behind in payments due financial hardship with my military pay. I tried several times to ask the company for help or set up reasonable payments I was paying XXXX for XXXX XXXXXXXX XXXX. They called and harrassed me threatening to pick up my car and lying to my command that I wasnt cooperating with them and got me in trouble. I got out of the XXXX XXXX XXXX and I have them a call again to ask can the payments be lower because I was discharged from the XXXX and I was bed rest for the remainder of my XXXX. They decline and harassed me and call my family members tell them to pay my car note or they will take. They repossessed my car and then double the price to get it back. I had to borrow money from family to get the car back because I had no transportation with XXXX babies. They damage the vehicle stole radio out and damage the frame of the car towing it. All my items for missing from my car as well.They only paid for the radio and threatening me if if I called them back to fix my car they will come back and take it. They made me sign a ridiculous contract to get my car back and I did I was unemployed and XXXX XXXX XXXX with no car and no family. XX/XX/XXXX my XXXX XXXX I had my daughter 6 months early and I was hospitalized for a month and my daughter  was in the XXXX for 3 months I missed my payment due to my XXXX XXXX. They stop answering my phone calls for me and sold my car at the auction and then call me back a year later pay the balance. Please help me this has ruin my credit and this is still on my credit report.
Consumer complaint received 2018-07-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bread Financial Holdings, Inc. (AR)

PER THE LAST COMLIANT NO.XXXX, WHERE I FILED CLAIM ON XX/XX/2017 AND THOUGHT THE PROTECTION WOULD DISCHARGE SAID DEBT NOT BANKRUPTCY.
Consumer complaint received 2020-08-23
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: PlusFour, Inc (NV)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I'm also aware that the credit bureaus have been given an additional 15 days which has also past. I have not received any investigation results.
Consumer complaint received 2018-07-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc. (CA)

i start to make a payment to the company name national enterprice system, because this company make a setlement with the company who represent me name XXXX, but i cancell this company because they charge to much money for the srevices, know i keep make a payment, but national tried to make another offer because i told them, if they have any other offer, so they try for me to take other 0ffer, but this is the complete amounth that i owed, from the beggining, so they dont told me that, when i check the numbers, i call them back and they dont reply to me, and also they dont send me any receipt or any letter to comfirm my payment to Imake every month.
Consumer complaint received 2018-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

On XX/XX/2017 I received a letter that the XXXX XXXX account was paid and settled in full. They are showing a balance on my credit report and showing charge off in comments. In comments should be settled and paid in full as all my other reports I settled on shows. Unfair reporting. I was also promised a pay and settle to delete from credit report which was also not done. XXXX XXXX was the original owner then sold to XXXX XXXX I believe then winded up in the hands of portfolio XXXX XXXX, XXXX which I settled and paid with portfolio recovery on XX/XX/2017. Please correct credit report Ive been fighting this since last year.
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MA)

Hello, I set up my account for auto debit and it has been successful in the past but for some reason my auto debit on XX/XX/2020 of {$62.00} was returned to me.They returned the payment on XX/XX/2020 and then charged me a late fee of {$28.00} onXX/XX/XXXX as well. I tried calling but they are CoViD-19 as an excuse to not provide any live customer service. There is no way to resolve my issue via the automated call system. There is also no way to resolve this issue via the contact us section of the online account site. The end of CoViD-19 is unknown so when will be able to fix account after Chase 's error?

My credit score is now going to take a hit because and now can't make payments. How does Chase expect customers to pay their bills?

Thank you, XXXX
Consumer complaint received 2020-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2015-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion is continuing to show inaccurate payment status information for the mortgage account under the name XXXX. Though it has been provided with the facts, it has refused to apply them to this account. Instead, going to the offender and accepting the erroneous information that 's given to it as truth. The responsibility to make sure information is accurate is Transunion 's and it continues to fail at this responsibility. This could result in a judgment against it, in a court of law. And, the fact that XXXX may have continued to feed inaccurate information will not immune Transunion from neglecting the facts! Thus, I am disputing once again the erroneous " late payment '' information under the XXXX account, and am submitting additional proof that XXXX is deliberately providing false information to Transunion, so that it can take the appropriate action to correct these errors.
Consumer complaint received 2020-08-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

The mortgage company PHH has locked me out where I can not go on line to upload documents and they call me and when I say hello the hang up I informed them last month that I have been affected by the Covid 19 Pandemic and now they are attempting to accelerate my loan and they already sold one my other unit for {$15000.00} and they are trying to rip me off for {$89000.00}.
Consumer complaint received 2018-07-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

I am repaying student loans through XXXX  XXXX XXXX and applied for the Public Service Loan Forgiveness Program on XX/XX/XXXX after reaching the required 120 payments. I faithfully submitted the Employment Certification forms regularly to document my employment and have worked at the same nonprofit organization during this time. The application was submitted by XXXX XXXXXXXX XXXX to FSA ( Federal Student Aid ) at the Department of Education on XX/XX/XXXX. 

I have never received a notice from FSA that they received my application. I was told processing would take 90 days for review. And then told FSA has up to 6 months to respond. As of today, XX/XX/XXXX, my application was sent to FSA over 6 months ago and I still do not have an answer from FSA. I have contacted XXXX   XXXX XXXX numerous times, however, no one will confirm that they have called FSA to check on status. When I asked for a number to FSA, I was given a number and when I called in XX/XX/XXXX, I was told that they do not speak with us and redirected me to XXXX  XXXX XXXX. No one at XXXX  XXXX XXXX will call FSA on my behalf for an update or to have FSA acknowledge that they received the application. I called on XX/XX/XXXX and requested that XXXX  XXXX acknowledge that XXXX  XXXX XXXX sent the application and that FSA received the application. I received an email on XX/XX/XXXX only noting that : " On XX/XX/XXXX, your application for the Public Service Loan Forgiveness has been forwarded to Federal Student Aid for final review. Once the review is  completed, you will receive notification with the results. '' I again requested acknowledgment by FSA that the application was received but did not receive a response. 

I have received several letters from XXXX XXXX XXXX that I have reached my 120 payment requirement for the Public Loan Forgiveness Program. I am quite distraught over misinformation and lack of transparency. I have made career decisions based on the information from XXXX  XXXX XXXX that I have reached the qualifying 120 payments, that the review time is up to 6 months and anticipated a decision by now.
Consumer complaint received 2018-07-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/2017 I received a letter that the XXXX XXXX account was paid and settled in full. They are showing a balance on my credit report and showing charge off in comments. In comments should be settled and paid in full as all my other reports I settled on shows. Unfair reporting. I was also promised a pay and settle to delete from credit report which was also not done. XXXX XXXX was the original owner then sold to XXXX XXXX I believe then winded up in the hands of XXXX XXXX   XXXX, XXXX which I settled and paid with portfolio recovery on XX/XX/2017. Please correct credit report Ive been fighting this since last year.
Consumer complaint received 2017-06-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I have a mortgage wi th Ocwen Loan Servicing and i hav e always made my payments on time. I received a payment coupon in  XXXX  and it showed my payment was going from {$830.00} to {$1700.00}. I was not given a reason why the payment was going up. My wife spoke to multiple people  at Ocwen and found out the reason the payment was going up was due to a mix up with the insurance. Ocwen s upposedly got the insurance problem fixed and told me the  XXXX  payment was to be {$830.00} and that if I paid {$500.00} toward the escrow account my  XXXX  payment would be {$830.00}. I mailed a payment  to Owcen for t he {$830.00} which was cashed on the  XXXX  and now  Ocwen is tell ing me they never recevied that payme nt. Ocwen the n refunded me {$870.00} on  XXXX  the  XXXX  and are now telling me the  XXXX  payment was never received and are now reporting me delinquent with the credit bureaus. I 've got nothing but a run around with  Ocwen and just want to get this resolved as soon as possible. Ocwen has directed me to send a copy of the cancelled check that they cashed to their research department. I 'm just a fraid this process is going to take too long. They have already sent me a notice that they are going to foreclose if I do n't bring my account current.
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

On  XXXX   XXXX ,  XXXX , a federal tax lien in the amount of {$16000.00} was filed at the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . The lien was satisfied and then released on  XXXX   XXXX ,  XXXX . The lien was later withdrawn on  XXXX   XXXX ,  XXXX .     Equifax is still showing this lien on my credit report. On  XXXX   XXXX ,  XXXX , I filed a dispute at Equifax and sent them both the Certificate of Release o f Federal Tax Lien AN D the Withdrawal of Filed Notice of  Federal Tax Lien after R elease from the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . I was told that this information was provided and verified to be accurate by a third party -  XXXX . No change was made to my credit report.     I contacted  XXXX  and provided them with the same court documentation showing that the lien has been released and has also been withdrawn.  XXXX  filed a dispute with Equifax on my behalf ; however, once again I received a results letter stating the lien was accurate as reported.
Consumer complaint received 2016-09-21
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (WV)

Loan Depot seems to be uninterested in meeting their preferred lender ethical standards as well as not understanding the non-predatory language and laws in effect today. My application for a re-fi from conventional to a VA loan is approved but yet no closing date after more than 60 days? When you are told to " step back '' and it 's " really getting hard to process your loan '' the VA OIG needs to get involved.
Consumer complaint received 2018-07-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stenger & Stenger, P.C (OH)

On XX/XX/2018 I contacted Stenger and Stenger and made a payment arrangement for $ XXXX   monthly starting in XX/XX/2018. I called back on XX/XX/2018 to verify the date I was to pay. I was told that the arrangement had been canceled because they are going to send me a summons. Rep was happy to make another payment arrangement but not for the previously agreed upon terms and if I did not make an arrangement they would continue to pursue a legal route. I feel this is dishonest.
Consumer complaint received 2015-04-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (FL)

I have had a checking account with Suntrust Bank for approximately ten months. Over a month ago, I lost my debit card associated with this checking account and reported it lost. The customer service agent told me they would cancel that debit card and send me a new XXXX in about a week. A week later ( approximately ), I received XXXX new debit cards with XXXX different numbers, separately, by mail. I tried to activate both of them. XXXX would not activate, with a message saying the card was invalid. The other did activate, so I continued using that XXXX when I made debit card purchases. 
Over the next month, I noticed that online transactions that I had authorized using the old debit card I had reported lost, continued to be put through my account. Some examples included online memberships, like XXXX, as well as some trial magazine subscriptions. I wondered how they were being processed, because I never updated these companies with my new debit card number. XXXX transaction for {$90.00} for a year subscription to XXXX XXXX was put through my checking account using the old debit card number from the one I had reported lost. I called the customer service of the bank to dispute this debit card transaction. The agent put me on hold to investigate, then came back on the line to tell me that there were XXXX debit cards associated with my checking account. In other words, the debit card that I had reported lost was never cancelled, and transactions that I had previously authorized on the lost card, like online memberships, etc, were still being put through my account. 

The customer service agent gave me a hard time about disputing the {$90.00} transaction for the subscription to XXXX XXXX and it took nearly a week for me to get a {$90.00} credit applied to my account. The bank is considering the transaction as a case of FRAUD against my bank account and has sent me an affidavit form to fill out for a case of fraud against my bank account. 

This was not a case of FRAUD, as I reported my debit card lost nearly a month prior to that charge. This was a MISTAKE by the bank -- -- they never cancelled the lost debit card and continued to authorize transactions on it. 

I am reporting this because these are serious mistakes made by this bank. And for this reason, I will be closing my accounts with Suntrust Bank.
Consumer complaint received 2020-05-04
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (CA)

Ally Financial has been using deceptive practices to collect a debt. They disguise their phone number with a local area code, no caller ID and they do not identify themselves as to who they are. They will repeatedly call from different numbers but will keep the same local area code to mine. Everyday I have to block a new number. I have addressed this issue directly with Ally Financial and keep doing it.
Consumer complaint received 2020-07-21
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: Specialized Loan Servicing Holdings LLC (MI)

Specialized Loan Servicing LLC failure to MOV, pursuant to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth bylaw
Consumer complaint received 2018-07-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have had checking and credit accounts with Bank of America for many years. I have been residing in the US for many years as well. My national origin is XXXX. In XX/XX/XXXX, Bank of America started to send me letters asking me to provide proof of my residency. The letters have specific dates before which I had to provide the required documents ; otherwise, all my Bank of America accounts would be restricted as explained in the letters. The letters state that the bank has " certain rules '' if it is " operating accounts for individuals who are citizens of US-sanctioned countries. '' I responded to previous letters and provided proof my residency in the US. The most recent letter was on XX/XX/XXXX ( see attachment ). I believe Bank of America is discriminating against me based on my national origin. Because Bank of America is discriminating against me based on my national origin, the bank has been unduly asking me to provide proof of my residency ; otherwise, the bank threatens to restrict my accounts. I have been continually residing in the US since XX/XX/XXXX ( well before I received any letters from Bank of America requiring proof of my residency ).
Consumer complaint received 2015-05-09
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: MORTGAGE 1 INCORPORATION (MI)

I was discriminated against for my XXXX by Mortgage One. Causing numerous delays in our mortgage processing and leaving us homeless for nearly a month! 
The discrimination and delay were due to them requesting that I provide them proof I would remain XXXX for the next 3 years, an action they are prohibited from doing.
Consumer complaint received 2015-09-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: SUNTRUST BANKS, INC. (AK)

I disputed a claim by SunTrust Bank that I owe them in excess of {$100000.00} which they continue to report as owed and in collections. After the first contact, I sent them copies of documents showing that this loan resulted in a judgement that is now satisifed. In 2015, I also received a XXXX for this loan forgiveness. I do not owe them this debt.
Consumer complaint received 2019-06-04
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc. (IL)

One of my investment condo was foreclosed by bank in XXXX. That unit was initially bought in XXXX XXXX and the lender was XXXX XXXX XXXX. Same unit was refinanced in XXXX XXXX and the lender was XXXX XXXX XXXX. On XXXX XXXX that loan was assigned and transfer to XXXX XXXX XXXX XXXX. 
On XXXX XXXX that loan was transferred to XXXX XXXX XXXX XXXX. XXXX XXXX has transferred servicing of this loan to Seturs in XXXX and was foreclosed on XX/XX/XXXX. Seterus Inc. has issued form 1099-A for Acquisition of secured property for {$100000.00} and that was the amount of mortgage. 
XXXX XXXX XXXX was not the lender at the time of foreclosure. 
Collection Agency XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, is trying toi collect {$34000.00} on behalf of XXXX XXXX XXXX but they are not the lender at the time of foreclosure. .I have tried to explain them so many times but they are only interested in collection and now it is hurting my credit score.
Consumer complaint received 2018-07-04
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: Experian Information Solutions Inc. (CA)

On my correspondence to the credit bureaus last XX/XX/XXXX, I disputed how this account is still reporting despite the following : - Collecting and pursuing collection on an account that is way passed the statute of limitation. - Collecting and reporting an account that has been sold several times to different companies. ; - Collecting debt on an account that they dont have lien which I believed made this invalid.- Collecting debt on an account that they dont have lien which I believed made this invalid. ; - From the original Lender to the succeeding companies who acquired and transferred/sold the account I NEVER receive any notification that there has been any sale or transfer from one company/lender to another. I never received anything back from this company nor from any of the credit bureaus. I only received a response from XXXX that the item has been removed but, this invalid item is still reporting to XXXX and Experian. XXXX ref # XXXX.