davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NC)

We have had a difficult time keeping up with the mortgage, and have been late on payments for a year now ( starting at the end of XXXX when the homeowner lost their job ; but not because of covid-19 ).  We are almost always a month behind. 

BAYVIEW LOAN SERVICING LLC ( XXXX XXXX, Florida ) " took over '' the mortgage ( XX/XX/XXXX ) when XXXX XXXX finally gave up ( after 18 years! ) - apparently, XXXX could not tolerate our being behind one or two months at a time. We have never been able to get a hold of Bayview on the phone : wait times are more than an hour. I am sure they have a good excuse for that : they don't answer any written complaints either. 

Now they are " withholding '' the XX/XX/XXXX mortgage payment - they refuse to deposit the check, which they received on or around XX/XX/XXXX, in the same envelope with the separate check for the late fee ( which they successfully deposited on XX/XX/XXXX ). 

TEN DAYS AFTER THEY RECEIVED THE MORTGAGE PAYMENT FOR XXXX ( " Monthly Payment Due XX/XX/XXXX '' ) - that would be yesterday ( XX/XX/XXXX ), we got the " ugly '' letter from them ( sent by certified mail, no less ), copy attached. 

For clarification, our monthly mortgage payment is ( and has always been, ever since XXXX XXXX said goodbye ) {$880.00}. The late payment fee is ( and has always been ) {$23.00}, which we always write as a separate check because Bayview seems to have a XXXX of a time figuring out the two separate amounts if you combine them into one check. They also struggle with the amounts for Escrow and Insurance, both of which can change from year to year ; we know that our property taxes went up last year. I, a simple, lowly customer, can figure out the amounts after a bit of time and research, but I am not inclined to do their work for them. 

Additionally, Bayview has been trying to get us to pay " just a few extra bucks '' for an unspecified fee - it seems to vary from month to month and again, I am not inclined to do their work from them. They have yet to explain UP FRONT and CLEARLY what that " extra '' XXXX or XXXX bucks is for. We were told by XXXX XXXX that we would not be charged anything for them kicking us down to a second-class " mortgage servicer ''. 

I realize how insignificant my mortgage troubles may look in the big picture : however, I also believe that shady players like Bayview need constant reminders that I am not an easy target, and I will not quietly tolerate their less-than-subtle intimidation tactics. I fully expect they have a few more cards up their sleeves - all perfectly sanctioned by existing regulations, of course - and that the first chance they get, they will be playing more tricks. Who knows how easy it is to push senior citizens over the edge into foreclosure, which is even more profitable than " servicing mortgages ''! 

XXXX XXXX XXXX XXXX XXXX Loan Number XXXX
Consumer complaint received 2019-06-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP (OK)

I went in and got a small loan 2 weeks after receiving my loan they started calling me two and three times a day for my payment when my payment wasnt even due. Then they would leave many voicemails two and three times a day as well as calling my references two and three times a day before the 1st payment was even due
Consumer complaint received 2018-05-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MA)

I was on an Income Based Repayment plan in XX/XX/XXXX with AES. In XX/XX/XXXX I had to submit new paperwork for a XXXX Income based repayment plan which was submitted on XX/XX/XXXX. On XX/XX/XXXX I lost my job. I called AES and the person I spoke to said I could file an  emergency application due to unemployment. That request was approved and my monthly payment was set at {$0.00}. I logged on to my AES account today and it showed that I am 25 days past due on {$150.00} + {$9.00} on a late fee. I called to ask how I could possibly be late on a payment since I was unemployed since XX/XX/XXXX, and was approved for an emergency recalculation of income based repayment that was set at {$0.00}. They said that because the original application that was submitted on XX/XX/XXXX was approved before the emergency application, I owe for XX/XX/XXXX 's  payment. That is ridiculous. 

2 separate AES representatives refused to correct their errors.
Consumer complaint received 2020-01-20
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. (SD)

After reporting a problem with Experian, Experian launched in " investigation, '' but ended up opening up a dispute with an unrelated account, which showed on my credit report. At first I was unsure what this was about, but when the results of this " investigation '' came back, it said it was a " reinvestigation '' despite me never having disputed this account, ever. The original dispute was not investigated, and remains inaccurate. Experian responded with boilerplate language, but did not actually fix the problem, despite being provided with receipts of payment, which they asked for. It's clear they don't actually even look at evidence they ask for, they just take the word of the creditor, and when a consumer complains, they retaliate.
Consumer complaint received 2018-09-18
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Fay Servicing, LLC (FL)

Fay servicing held my mortgage for only 7 months then sold it another servicer and .still shows as an open acct on my credit report called them and they said they purged all info off their computers and have no info on me? 
XXXX is the exact representative assigned to my account her name is XXXX XXXX need thim to report account is transferred not with them anymore
Consumer complaint received 2018-09-18
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX client, XXXX XXXX is a victim of identity theft. A previous dispute of this was mailed To Capital One Fraud department however Capital One mishandled this as a durable POA and it is NOT. This is a dispute of identity theft. He was notified by Capital One of a fraudulent application submitted with his information without his consent. An account was established related to this fraudulent activity and is being reported to each of the credit bureaus ( account ending XXXX ). Capital One has failed to correctly address this issue and as such are in violation of the FCRA.
Consumer complaint received 2019-06-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

They have been calling saying we owe XXXX but they can do a hardship now and we can make 3 payments of XXXX starting today. They said they are from XXXX XXXX XXXX and if it is not resolved today then hsbc which is closed according to the woman we spoke to. That hsbc will be sending a law suit to XXXX County for the full amount and we will be required to pay the full amount in court. They knew all of our information last two places we lived last four of our ssn. They emailed us a letter with an address of XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX. Phone number XXXX. I have called hsbc bank to see if they have any information for an old account and they do not. I called XXXX XXXX because the woman said XXXX XXXX took over the company. But XXXX XXXX had no information. I called XXXX to see if they had any information on this on my husbands credit report and they have nothing. The woman who called us also mentioned that this account is old and will not show up on our credit report.. which was weird to me.
Consumer complaint received 2017-08-01
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 got my annual credit report from Equifax. There were 3 accounts with 30 day late notices. I tried to dispute these as I have never been late on my accounts. The online dispute link does not work. I was able to call and get the dispute filed.
Consumer complaint received 2015-12-10
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BB&T CORPORATION (PA)

I have established auto pay with XXXX of my credit cards through my bank ( BB & T ). When the credit card request payment, BB & T does not pay. I have received a letter from XXXX Bank for XXXX payment stating they are closing my account for dishonored payments.When I do my payment on line, it does go through. I now have the credit card suspended. I 've went to BB & T several times with no satisfaction .I am also been reported to credit bureau. How can I make sure my credit has not been harmed?
Consumer complaint received 2020-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/XXXX of 2020 I booked a vacation rental with XXXX XXXX  a vaccination rental company..I booked the trip for my daughters middle school XXXX.I paid a total of {$2100.00} to rent the property from XX/XX/2020 till XX/XX/2020 with my American express card.On XX/XX/XXXX XXXX XXXX XXXX company canceled my reservation due to corona 19 virus.I have attached my paid reservation confirmation and also the cancellation letter that was sent on XX/XX/XXXX from XXXX XXXX called XXXX XXXX Many time with out any luck of getting a live person.I then put a dispute on the charge. Since then I have talked to American express many times to many to count .And each time they say they will have a supervisor look at the dispute but nothing ever happens XXXX XX/XX/XXXX the balance of {$2100.00} is due in full or they will charge me a high interest rate and if i do not pay, it will go on my credit report.I have been a loyal customer with an excellent payment history.I feel like i am being taken advantage off. please help. I have attached all documents that were required and they are still not crediting my account. i have attached the documents so you can see. i thought this was a clean cut case since i have all the documentation so why will American express not refund my card!!
Consumer complaint received 2019-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF NEW YORK MELLON CORPORATION, THE (MD)

Received a phone call on XX/XX/XXXX from XXXX XXXX XXXX telling me a civil complaint was filed against me, gave me a phone number to call XXXX and a claim number : XXXX. The company I called said their name was XXXX and they had a complaint about debt to Bank of New York/Mastercard for {$6700.00} from XX/XX/XXXX. If I agreed to pay it off today, it would be only {$4200.00}. If I didn't pay they would garnish my wages. I explained I never did business with Bank of New York or MasterCard and this debt didn't belong to me. I asked for written proof and was told that many letters had been sent to my address. I never received anything. I was told it was " too late '' for that and I had to make arrangements right away. They had my social security number and date of birth as well as my name and address. I am afraid they will use this information to steal my identity or some other criminal activity. I hung up after telling them again to send proof. I also sent them a letter stating the same thing. I received another call that day, and one again today from XXXX telling to call the XXXX number  regarding a civil complaint.
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I INFORMED EQUIFAX ALMOST 3 MONTHS AGO THAT SOMEONE HAD BEEN USING MY SSN NUMBER AND I HAVE HAD SOME HARD INQUIRIES THAT I DID NOT AUTHORIZED. IT HAS BEEN BOTH EMOTIONALLY AND MENTALLY DRAINING DEALING WITH EQUIFAX AND TRYING TO GET JUST A DISPUTE STARTED WITHOUT THEM GIVING ME THIS PRERECORDED DISCLOSURE ABOUT " HARD INQUIRIES BEING FACTUAL OR I NEED TO CALL THE CREDITOR '' I HAVE BEEN BACK AND FORTH WITH EQUIFAX AND THE CREDITOR FOR MONTHS. ONE IS TELLING ME TO CALL THE OTHER. ITS RIDICULOUS. YOUR GUYS ARE REPORTING INACCURATE INFORMATION WITHOUT BEING ABLE TO VERIFY IT WHICH IS CAUSING MY CREDIT SCORE TO GO DOWN. I KNOW THAT THIS IS AGAINST THE LAW AND I WILL FILE A COMPLAINT UNTIL THIS MATTER IS RESOLVED
Consumer complaint received 2022-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$73.00}.
Consumer complaint received 2020-08-22
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. (FL)

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
Consumer complaint received 2021-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed an FTC Identity Theft Report with the Federal Trade Commission and sent all three credit bureaus the Following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

Of the three credit bureau, TransUnion is the only one that did not follow section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I contacted them several times and tried to explain to them that they are in direct violation of the FCRA federal law and that they are now negligent in their reporting responsibilities because they have all the documents required by law to remove these fraudulent accounts from my credit report. I sent TransUnion the document via certified express mail which they received and signed for on XX/XX/2021. As of today XX/XX/2021, I still have the fraudulent accounts on my credit report. I have asked them repeatedly if they are familiar with FCRA laws and they have admitted that they are not familiar with " American '' FCRA law. This negligence and disregard of the FCRA 605B is a direct violation of my rights and I am demanding this to be corrected.
Consumer complaint received 2020-07-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Braviant Holdings, LLC (MO)

XXXX XXXX XXXX is attempting to collect a debt for SunUp Financial. I have no knowledge of this debt nor did I receive any loans of any kind from them. This debt was removed and has now reappeared. I would like for this collection to be permanently removed from my credit reports as I dont owe them any money because I never applied for a loan nor received a loan from them.
Consumer complaint received 2020-07-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (MO)

National Credit Adjusters is attempting to collect a debt for XXXX XXXX. I have no knowledge of this debt nor did I receive any loans of any kind from them. This debt was removed and has now reappeared. I would like for this collection to be permanently removed from my credit reports as I dont owe them any money because I never applied for a loan nor received a loan from them.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc (OH)

I took out a {$250.00} loan from possible finance XX/XX/2020. In XXXX I requested an extension to my lastpayment only if it would not affect my credit. They assured me that due to Covid the company would allow an extension which I agreed to and paid off. A month later I was reported derogatory on my credit report. I filed a dispute with XXXX  and contacted the company. Possible Finance confirmed it was their error and would correct my report within 30 days. It was finally corrected, but a month later the late payment was re-reported and my score dropped again XXXX points. I filed another dispute, contacted XXXX, the BBB, and contacted the company. Again they acknowledged their error, promised a correction and sent a letter that confirms the account was never late/paid in full. My report was corrected. A month later, another alert the company has reported the same 30 day late AGAIN.
Consumer complaint received 2020-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I received a Notice of Servicing Transfer from XXXX XXXX XXXX on XX/XX/2020, notifying me that future mortgage payments should be made to Shellpoint Mortgage Servicing. On XX/XX/2020, my mortgage payment of {$4500.00} was tendered to, and accepted by, Shellpoint. Since that date, Shellpoint has refused to credit my account with the payment. I have called, engaged in an online chat and sent six ( 6 ) emails with proof of payment to the company. However, they will not apply my payment and now show my account in arrears. In addition, Shellpoint has now contacted XXXX claiming that our payment has not been made. I am at a loss. Shellpoint has been absolutely unprofessional, unethical and unhelpful regarding this situation.
Consumer complaint received 2020-05-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (DE)

I have a balance of {$850.00} in PayPal cash, and on XX/XX/XXXX in the morning, I found out {$850.00} of them were withdrawn at some XXXX location without my consent. I immediately contacted PayPal to let them know the transaction was not authorized by me. I can't get to them by phone call because they are closed under the COVID-19 situation, so I left a message in the online message center of their website. However, they declined my request and said the transaction was consistent with my account. I don't think PayPal has done its job to protect my information as well as my money. I didn't get any notification when the cash withdraw was initiated, and the later on notification transaction ID I got in the email even differs from what they provide on their website. In a word, I think PayPal should be totally responsible for this issue and they should refund me the money.