davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NV)

Caliber Home Loans gave me a courtesy call after the denied my last claim XXXX. The representative was very nice,, but had very little information regarding my case. After more than 40 minutes on the phone, she advised me that my escrow balance we incorrect because I did not make a payment in XXXX. I was also told that my escrow account was converted to a ancillary account. I went back to the office and researched my bank records, and I did find my XXXX payment which had cleared. I did call back Caliber Home loans the next day, after i was transferred to 3 different representatives and verified my billing address the same number of times, I spoke to a representative named XXXX, employee number XXXX. After 20 minutes on the phone, I was told that the XXXX payment was actually made and the previous person did not dig deep enough. 
I asked XXXX that Your monthly payment for Principal and Interest ( P & I ) is {$790.00}. You made a payment on XX/XX/2016 of {$1200.00}, with {$400.00} going to escrow and you made another payment of {$1200.00} on XX/XX/2016. You later made a payment of {$1500.00} on XX/XX/2016, with {$700.00} going to escrow and another payment of {$1500.00} on XX/XX/2016, with {$700.00} also going to escrow. Therefore, you believe four ( 4 ) payments, totaling {$2200.00}, should be deducted from your escrow balance. The past due escrow of {$8500.00}, less the {$2200.00} should leave {$6300.00}. 
I asked him how XXXX got their balance and he responded " That is just the way it is '' I was also told that I need to call the escrow department, that he did not have any numbers to help me, I told XXXX, that my account was switched to Ancillary and XXXX told me that is incorrect.
Consumer complaint received 2015-06-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (VA)

My servicer SETERUS approve me in XXXX XXXX, 2015 for a XXXX months trial payments reducing my mortgage payments to {$1300.00} it was supposed that my trial end on XXXX XXXX, 2015, and since then my mortgage will be permanent modified. Today XXXX XXXX, I still continue doing trial payments and anytime that I or my housing counselor contact SETERUS we received same answer that there is not news about final loan mod. 
Please help me.
Consumer complaint received 2017-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MO)

The loan servicer fedloan never sent correspondence at the outset of the loan to let me know that they were the servicer and how to repay the loan. In XXXX of XXXX we researched XXXX loan servicers before we found fedloan. Once we found them, we immediately brought the account current, and set up an auto debit. Between XXXX and XXXX they reported over XXXX delinquencies on my credit report and refuse to reverse them. My credit is ruined, making it impossible to refinance any of my student debt. I am XXXX, have a good job, and am making my loan payments monthly. XXXX inadvertently did not get information to me regarding payback of the loan. They also sent me a document in XXXX discussing a forebearance request that I had supposedly made. I never made such a request. I would like to know what I need to do to fix the credit, and move forward.
Consumer complaint received 2021-07-05
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: AMERICAN EXPRESS COMPANY (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2017-10-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BTH Management (CA)

My XXXX bankruptcy case was never XXXX. I reopened my bankruptcy case in XXXX of XXXX and amended the file to include additional debt that I incurred. Plaza services was notified by the bankruptcy court on XXXX XXXX of XXXX. I have since also sent communication to Plaza Services in XXXX, on XXXX XXXX, and XXXX. I keep getting information stating that they deny my dispute and are continuing to try and collect this debt. I am trying to raise my XXXX XXXX and they keep reporting this as an active collection and I can not .get them to correct the debt to show as included in my bankruptcy. I have also contacted XXXX.
Consumer complaint received 2021-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (TX)

This company Continental Finance aka XXXX card is fraudulent company. There are no rhyme or reason to there charging. They need to be closed as a company. I feel that if the CFPB allows this company to be open they are an accomplice. This card only has a credit line of {$500.00}. How does someone pay {$110.00} in fees. Is this a starter credit cards for young people? If it is how does a young person have a chance? Is this a card for people who, want to build credit? If so why would someone pay this much in fees. This company is a full of XXXX and are XXXX. The customer service is terrible along with all the hidden charges. I will continue to complain until this company is closed!!!!
Consumer complaint received 2020-10-10
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: EQUIFAX, INC. (OH)

THIS IS THE SECOND REQUEST TO REMOVE inquires on my report that I did not authorize. Please REMOVE/DELETE these inquiries IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2019-03-08
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. (OH)

This is a previously disputed account with XXXX and XXXX. No method of verification was provided. According to 1319.12 O.R.C.- ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill , or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.
Consumer complaint received 2020-06-23
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. (TX)

Potentially Negative show tooltip button XXXX/XXXX/XXXXDispute XXXX XXXXDispute XXXX XXXX/XXXXDispute XXXX XXXX   INCDispute XXXX XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXX XXXXUnder Dispute XXXX XXXXXXXX XXXXDispute XXXX  XXXX XXXX # XXXXDispute XXXX  XXXX XXXX # XXXXDispute XXXX XXXX filed ftc on all above
Consumer complaint received 2015-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

My husband and I got a mortgage loan from Beneficial Mortgage Company XX/XX/XXXX. We bought credit life insurance coverage and have been paying a monthly premium for the insurance coverage since then. My husband died XX/XX/XXXX. I told Beneficial about this repeatedly and demanded information about the policy but they ignore me.
Consumer complaint received 2020-06-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

Applied for modification in XX/XX/XXXX. The company delayed the modification process for months causing us to fall delinquent. The company continued to request duplicate information which we complied with each time. Each time we complied with a request we would receive correspondence from the company confirming receipt, confirming the information was correct, then correspondence that the information was in fact NOT correct and they needed updated different information. In XX/XX/XXXX we began to receive notices that a foreclosure was pending and a lawsuit had been filed. At the same time we continued to receive notices that the modification application was still under review. In XX/XX/XXXX when I contact CFPB, which in turn contacted PHH Mortgage, suddenly the application was approved and we were to enter into trial payments as a condition to being approved for a permanent modification. In XX/XX/XXXX we completed the trial payments and were told that the modification would be finalized. In XXXX, amid the Covid outbreak, we received paperwork to be notarized, and returned to PHH. PHH arranged to send a Notary to our home to process the paperwork on XX/XX/XXXX. The Notary sent the paperwork to PHH and we received work from PHH that the paperwork was incorrectly processed by the Notary. They scheduled another notary to process the paperwork in XXXX and we received word that PHH never received the paperwork so our modification was being denied due to failure to return the paperwork in a timely manner. The PHH representative then called us and admitted that the mistake was on his part and he should have stayed in better contact with the notary. PHH sent a Notary to us for the THIRD time. This time we also retained original notarized copies and mailed them certified to PHH. We have now been told that although they received the paperwork, they are not sure if " the Department '' will reverse the denial and they have subsequently refused the XXXX payment. Their continued incompetence in the handling of this matter is resulting in continued fees on our account as well as negative credit rating. This issue has been pending for over a year.
Consumer complaint received 2024-02-20
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. (FL)

Delete the accounts below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-09-10
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. (NJ)

In XXXX of XXXX, two of my student loans were improperly posted by the lender. This caused for a 30 day late notice to be posted and reported to the credit reporting agencies. 

I cleared the error with the lender and proceeded to dispute the report with all three agencies. Experian is the only reporting agency that has not changed the late status of my credit report after more than one year of attempting to clean the reports out. 

They are stating that someone by the name of XXXX XXXX is reporting this back to them. According to the State of NJ Student Assistance/Lender, there is no such person working there. 

The late reporting could potentially hurt my chances of employment and consolidation efforts and I would like it fixed. 

The contact for the State of NJ Assistance is XXXX XXXX /Investigator XXXX XXXX. 

Thank you
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is a previously disputed account with XXXX and XXXX. No method of verification was provided. According to 1319.12 O.R.C.- ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill , or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.
Consumer complaint received 2022-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CO)

Suntrust Mortgage is dunning me for a payment I've already made ; my bank statement says they received the {$1400.00} payment on XX/XX/22 but they sent out the dunning letter on XX/XX/22. This is the second tome I've had this problem with Suntrust. They resolved a previous XXXX complaint satisfactorily.
Consumer complaint received 2021-07-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

On XX/XX/21 I sent a letter to commonwealth financial about a medical collection I truly have no knowledge of. ( The letter I submitted is attached ) so commonwealth responded by mail on XX/XX/21 that honored one portion of my letter which was a itemized break down of the bill. However, with regards to hippa authorization nothing was provided. Im requesting deletion of account
Consumer complaint received 2019-05-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CARVANT FINANCIAL LLC (FL)

I recently filed and have been discharged from bankruptcy. Carvant was included as well. The vehicle was going to be re-affirmed but after speaking with the trustee and my attorney they thought is was best that this vehicle is surrender so that I could have a fresh start. Now the problem I am having is that Carvant will not honor this bankruptcy and the discharge that was given. They will not update the information on all three reporting credit bureaus. They are contesting that they do not know anything about the bankruptcy. 

The vehicle was surrendered on XX/XX/2019 so I am so confused at what they are fighting for? The discharged was granted on XX/XX/2019. 

I have spoke customer service at XXXX and XXXX and they both are stating that carvant concludes that this account in past due and that they where not included in the bankruptcy.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Volvo Car Financial Services U.S., LLC (TX)

Had an 800+ credit rating for 8 years until Volvo Financial Services became grossly negligent in the handling of my dispute and subsequent inaccurate credit reporting.

- Volvo updated my home address and updated all credit reporting companies with an address that was not mine.

- No correspondence was received regarding any disputed balance amount. Volvo records can confirm this mistake and my address was updated.

- Volvo reported negative feedback on my credit report.

- To mutually resolve Volvo agreed to a new balance due of {$680.00} which was paid immediately on XX/XX/XXXX at their request. 
- Volvo then reported I had an outstanding balance of {$160.00} to credit agencies and listed me a charge off - Upon contact I agreed to pay an additional {$160.00} as noted below to finally clear up their mistakes - Now they have listed a charge off on my account in excess of 3k which never existed nor is owed. 

Volvo Financial Services Dept is dangerous and incompetent to work with. I have been trying to clean up the mess they made of my credit history for over a year. Absolute negligence on their part.
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Information and documents were provided to XXXX in efforts to remove negative information being reported by XXXX, however XXXX has not removed the negative information.
Consumer complaint received 2021-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Usaa closed my account XX/XX/2021. My account is 99 percent state and federal dependent benefit deposits. They are continually holding my SSA and municipal state benefits even after I sent 3 letters by fax and within the USAA account in inbox. I owe no balance or bills due to them or any other entity. So far over a month and half span, 2 SSA checks, 2 unemployment checks, 2 municipal pensions checks totalling XXXX are being withheld. I havent had any access to ANY OF MY BENEFITS SINCE XX/XX/2021. THEY ARE WELL AWARE THAT THEY ARE SUPPOSE TO SEND THOSE BENEFITS BACK TO THE GOVT AGENCIES BUT HOLD MY DEPENDENT FUNDS AS IF IT WERE LEGALLY DUE SO.
Consumer complaint received 2017-10-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Special Financing Company, LLC (GA)

I am writing to your agency in hopes someone can help me with this company. I am going to explain what happened : I got involved in an online business opportunity fraudulent scheme. After I paid one company all these fraudulent companies were calling me by This company called XXXX XXXX XXXX contacted me by phone on XXXX/XXXX/2016.  They were very pushy. It was supposed to be an at home business opportunity. They asked me to pay {$3000.00}. I told them I did not have it, they were very persuasive and did not take no as an answer, so they told me not a problem they could finance it, so I paid them {$500.00} and they were going to divide the remaining balance of {$2500.00} plus the APR+18,99 % and charge me a monthly fee of {$120.00} taken automatically from my account. I had second thoughts and canceled my services within the 3 day period. I am still trying to get my {$500.00} deposit from this company till this day. They wo n't answer my calls. Complete scam. I did some research on this company and all I found was bad reviews. They have a " F '' with BBB.So that 's when the company Special Financing Company LLC comes in to the picture. They still charging my checking account a monthly charge of {$120.00}. How can Special Financing Company LLC still charge my account and back up this fraudulent company? I did not receive any services, I canceled my services and I still being charged. I need your help and try to immediate it please. They are taking from my XXXX account every month. Thank you
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The following was sent and received by reporting company Transunion. This item was removed but then showed up again on my credit report. This is illegal. To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions with the consumer to whom it relates. I, XXXX never gave Transunion any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law attached with this a dispute letter concerning the account listed below, as a consumer, I am demanding a deletion of this account below : XXXX XXXX XXXX XXXX  XXXX