davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nationwide Recovery Systems, Ltd (AZ)

In XXXX I went to the emergency room because my XXXX XXXX XXXX XXXX and I couldnt walk and was in terrible pain. I went to a hospital which was in network with my insurance. I paid my co-pay which was {$100.00} and then was treated and sent home. Several months later I received a bill for my visit for {$850.00}. I contacted the hospital and told them I already paid my co-pay for tue in network hospital. They said well the doctor who saw you was not in your network. I disputed this with XXXX XXXX because when you go Into the emergency room you are not at your best or thinking clearly. They had given me XXXX XXXX XXXX and I was out of it. I didnt know I should have ask that question if my doctor was also in network. They finally removed this bill from my account. A few months later I received a call from a collection agency. I disputed this and finally it was removed. Now 3 years later this new collection agency appeared on my credit report and now this looks like a brand new collection as of XX/XX/XXXX. I have disputed this with XXXX and it came back as verified. I believe that this is fraudulent and need to have this removed from my report. I have worked very hard on my credit for the last two years and now this dropped my score 11 points and causes me to not get my home equity loan.
Consumer complaint received 2020-09-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I received an email from Genesis debt collectors on XX/XX/20 that I owed a debt. I was then called one single time by XXXX XXXX while I was at work on XX/XX/20. On Friday XX/XX/20 she called my place of employment 3 times trying to get ahold of me. I told her that I was unable to talk at that time and I would call her when I got out of work after XXXX XXXX. When I called her after work she proceeded to attempt to force me into placing the $ XXXX debt on my credit card in order to save my credit and I didnt qualify for a payment plan as I have not personally been effected by COVID-19. She then proceeded to bully me into gathering my card number and information and post-dating a payment for the debt.
Consumer complaint received 2023-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc. (MD)

I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information. For example, my name, social security number, and date of birth. Only a signed contract between me, the consumer, and TEK-COLLECT INC would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement. 

I have not received any Debt Validation Notice from TEK-COLLECT INC as they were lawfully required to per FDCPA laws. 
Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery/receipt that TEK-COLLECT has sent a Debt Validation Notice to me, the consumer. Written and verbal communication directed via FDCPA was not provided to me, the consumer ; allowing me to properly dispute this invalidated debt.
Consumer complaint received 2023-03-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (AZ)

Someone did unauthorized loans with affirm for XXXX purchases. There are 3 different purchases /loans that were completed not by me on XXXX XXXX exceeding XXXX! Affirm is now asking me for monthly installment payments for these loans beginning XX/XX/2023. I submitted a claim with affirm directly who is now saying I am responsible for these loans that I did not receive any merchandise on nor complete any transactions with on XXXX XXXX with XXXX. I need this responsibility removed immediately
Consumer complaint received 2019-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

Shut down my Venmo account on XX/XX/19 with no explanation and said they are NOT giving me my money in my account back. I have emailed them back and forth and they will not refund me my {$1200.00} and no explanation
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2019-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MA)

I am a real estate attorney in Massachusetts. JP Morgan Chase provided me with an incorrect mortgage payoff statement. This has resulted in financial and legal harm to both my client and myself. The payoff statement was issued XX/XX/2019. The payoff number was good through XX/XX/2019. The bank received payment in full ( {$76000.00} ) on XX/XX/2019. I received a call from XXXX XXXX XXXX from the bank 's XXXX XXXX Department on XX/XX/2019. She left a message saying that the payoff statement was incorrect because the bank made a homeowners insurance payment on XX/XX/XXXX and there were insufficient funds in the borrower 's escrow account. XXXX XXXX is now demanding payment of an additional {$460.00} by XX/XX/XXXX or interest will begin to accrue on the loan and the mortgage discharge will not be processed. I am now forced to pay for the bank 's negligence and my client 's ownership of the property is being threatened by a loan that was paid in full on XX/XX/XXXX.
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (IL)

I recently applied for a Discover IT Miles credit card, I was approved for the card, received the card and when I tried to activate the card I received a call from Discover asking me if I can send them a 4506-t form. I sent them the form and shortly after they received the form from the IRS they closed me account. They closed my account based on past information.
Consumer complaint received 2020-09-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

Due to COVID-19, Specialized Loan Servicing ( SLS ) authorized us three months forbearance with 100 % no negative reporting impact ( XXXX XXXX, XX/XX/2020 ). Payment resumed XXXX of 2020 for {$3500.00} which include {$2600.00} original payment plus extra interest of {$890.00} for 6 months to offset the forbearance missed interest. This was offered by SLS with 100 % no negative impact ( credit bureau or penalty ). 
SLS lied about the offer and as soon as we started the payment plan in XXXX of 2020, SLS reported me and my wife to the three credit bureau ( XXXX, XXXX and XXXX ). This costed us -75 points while we are trying to refinance to reduce mortgage payments. 
It appears that SLS is making a habit of this and the XXXX  reported more than 770 cases against SLS. The agreement payment plan has another third party witness
Consumer complaint received 2019-10-29
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (OH)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-09-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I was approved for a TPP Loan Modification plan on XX/XX/2020. It required that I make 3 TPP payments for XXXX, XXXX and XXXX of {$1900.00}. I made all 3 payments on time and have continued to make the payments due for XXXX, XXXX, and XXXX. I received and returned the executed and notarized Final Loan Modification to the lender and confirmed its reception with the lender. 

However, i received a notice shortly afterwards that the Final Loan Modification was denied due to my ex-wife not signing the document. I was not informed that she had to sign the document since i previously submitted the Marital Settlement Agreement and the Quit Claim Deed to the lender, when I initially submitted the Loan Modification package, and the lender acknowledged that i held the only interest in the property. 

Due to this, the TPP agreement only required my signature and my ex-wifes name was removed from the loan correspondences i received. In addition, only my information was provided for the Loan Modification review. I appealed the result and they stated that they did not have to inform me if there was an issue with the documents and that the QCD should have been submitted with the Final LM documents, even though they confirmed that they already had the QCD and the martial settlement agreement under my file prior to me receiving the Final LM agreement.

As with the TPP Agreement, i was informed by the lender that my ex-wife should not have been required to sign the documents since i was awarded the property in the divorce and title was transferred to me only. As is stated in the correction documents, the lender had the requirement to let me know if there was an error with the LM documents so they could be corrected. By not finalizing the LM there has been a breach of the contract terms and requirements by the lender.
Consumer complaint received 2017-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

Contacted Phoenix Financial via telephone stating that the account XXXX XXXX XXXX for the amount in {$1100.00} does not belong to me. It belongs to my mother in law who shares the same name. I have spoken to the original collector XXXX XXXX XXXX XXXX and they verified that the debt does not belong to me that the social does not match the account sent to Phoenix Financial. Phoenix Financial has been no help they simply told me to file a police report. Phoenix Financial is now claiming that they are the original collectors when they are not. This account is being report to the credit bureaus and is negatively affecting my credit.
Consumer complaint received 2020-05-18
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. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outragous amount of account under my name that are not mine. Please delete these items from my report. XXXX XXXX  XXXX XXXX   XXXX  XXXX {$570.00}
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I just recently looked at my credit report. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1691b XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1691XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1691b
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

I called Barclaycard in XX/XX/2019 to update my address. Unfortunately it was not updated and I was over 30 days late on my Payment in XX/XX/2019. I contacted Barclaycard l, they apologized for the inconvenience and credited me the late fee of {$39.00}. They also said they would remove the 30 days late off my credit reports. I recently looked at a copy of my credit report and its still on there.
Consumer complaint received 2019-10-29
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. (FL)

I tried to use the transunion website to freeze my credit but was unable to log into the website. I called 3 times to Call toll-free ( XXXX ) XXXX in order to reset my password. Each time I was told to wait for 5-10 minutes to receive my email to reset my password. The second and third time I confirmed the spelling with the rep and it was confirmed correct. The last one could do nothing more than the first two. She asked me to call XXXX but that number was also useless. I would like my password so that I can submit a credit freeze on my file. Thanks
Consumer complaint received 2018-06-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc (TX)

This was a particular situation that I broke the lease due to rats being infested in the apartment and the AC continuously breaking and flooding my apartment. I ended up filing it under my bankrupcy when I went on to a XXXX 's XXXX   situation and I could not make the arrangement payment of XXXX per apartment for current month owed. I'm not sure why they sent the bankruptcy attorney and amount of XXXX. And on these records indicate XXXX. I have attempted to call the apartments numerous times as well as I spoke to the collection agency and they said it has been wrote off. However it's not showing that it shows open.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : US SM BUS ADMIN ODA-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX US SM BUS ADMIN ODA-Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-05-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (VA)

I am a homeowner and I changed home owners insurance companies from XXXX XXXX and XXXX XXXX XXXX to XXXX due to a reduction in the insurance costs. I cancelled the insurance at XXXX through my mortgage company and directly with XXXX back on XX/XX/2020. My mortgage company paid the insurance cost through escrow after already submitting a payment to XXXX. I contacted XXXX and I was advised in XXXX that I would be receiving a reimbursement. I have continued to follow up with the company to collect the refund each month and I am receiving the same response. The amount of refund is around {$430.00}. I have continued to try to resolve this issue directly with XXXX but I am unsuccessful. I would like to receive the refund as soon as possible. I feel that a refund is due to me in a timely manor and after four months or trying to resolve this I have decided to file a complaint.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-09-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Solomon and Solomon, P.C. (NY)

I contacted Solomon & Solomon about debt and issues they were nasty told me they passed the debt off in XXXX and just now closing it.in XXXX they advised me that it will come off in 45 days I told them both has dropped my credit score.they stated it has nothing to do with us.the lady was very rude and they refused to delete the information until they decided to and it wont come off my report until XXXX at the earliest.which is hurting my mortgage financing
Consumer complaint received 2017-08-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (WA)

HELOC with XXXX was transferred to Specialized Loan Servicng of XXXX XXXX Colorado. HELOC was paid off on XX/XX/XXXX. Specialized Loan agrees that it wa satisfied. XXXX County Wa records office is still showing the debt on the county record. It is file number XXXX. Amount is {$69000.00} recorded on XX/XX/XXXX. XXXX has gone out of business. Since Specialized Loan agrees that the HELOC was paid off, I do not understand why they do not notify XXXX County Wa. Although they say they already did this. XXXX XXXX XXXX XXXX XXXX Wa is the property address.
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AL)

I was manipulated into getting this loan. The counselors at my school made me think I needed this loan and I was told that I had a fixed interest rate. Navient convinced for to keep getting a forbearance because I could n't afford to pay it back.
Consumer complaint received 2020-11-19
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: I.C. System, Inc. (SC)

On XX/XX/2018 creditor ( I C Systems ) added a derogatory remark to my XXXX  profile per XXXX XXXX. Upon further research, this account was a transfer/sold and i am no longer responsible for this account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contract, or written signature for the accused at all. A bill without signature does not validate a debt and anyone can send me a bill saying it mine. According to the FCRA ( I C Systems ) has validated my rights as a consumer and I am request legal actions to remove this account IMMEDIATLY!
Consumer complaint received 2017-08-08
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

I made a payment in XX/XX/XXXX for the XX/XX/XXXX cycle. It reflected a double payment in that month and the credit company reported 30 days late to my credit report. Customer service manager ( XXXX XXXX # XXXX ) was rude and unhelpful in clearly explaining why it was reported that way. No one from the company contacted me or my wife to alert us to a potential problem. It appears that they were more interested in collecting fees than advocating for their customer. When I called back to report document a complaint I was put on hold for 30 minutes and was then told that their " system '' was down.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

On XXXX/XXXX/XXXX at around XXXX EST I received an alert that my credit had been pulled by One Main Financial. I promptly called XXXX and after not being able to get help the first time, I called a second time. During the second call, I placed a fraud alert on my profile and asked that the inquriy be removed as it was not authorized by me. The representative gave me the phone number XXXX to call One Main. When calling this number it goes to XXXX. The rep for XXXX Services l gave me the number to One Main FinancialXXXX, but when calling this number, they were already closed for the day. When I called XXXX XXXX XXXX back and tried to ask questions, the representative was acting as if I was XXXX in trying to find out XXXX One Main Financial is. She just kept saying over and over that " They are a separate company, you will have to contact them. '' It is ridiculous how much of a run around I received due to an unauthorized hard inquiry being placed on my credit by One Main Financial at XXXX XXXX XXXX, XXXX TX. I did NOT authorize this company to run my credit report for any reason and I would like this inquiry to be removed from my report by One Main Financial and or XXXX.