davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Schreiber Law Firm, PLLC (CO)

I received several calls from a local number to XXXX ( XXXX ) XXXX XXXX XXXX or XXXX XXXX. The latest call was on XXXX at XXXX XXXX MST. They were attempting to collect a debt from the XXXX XXXX XXXX for a medical bill that was paid sometime prior to XXXX. 
I have not lived in XXXX since XXXX or visited the XXXX XXXX XXXX XXXX since XXXX. 
When I asked the company name for which they were attempting to collect a debt they hung up. When I called back they told me it was for the XXXX XXXX XXXX XXXX threated to send me a subpoena to XXXX county court then hung up again. XXXX XXXX XXXX would not give me the date of the original debt, continued threats to send me a subpoena and hanging up. 
After 4 attempts to call back and speak with them, I gave up. 

I am disputing the fact that there is even a debt and if there was the debt would be 22 years old well  beyond the Statue of limitations for medical debt for XXXX ( 6 years XXXX Revised Statutes Title 13 S.80-103.5 ) and XXXX ( 6 years 78B-2-309 )
Consumer complaint received 2018-01-10
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)

The credit bureau is refusing to delete two collection accounts on my credit report that are not mine. The first account is with " XXXX XXXX XXXX '' for {$3800.00} with account number # XXXX. The second account is with " XXXX XXXX XXXX '' for {$1400.00} with account number # XXXX. I have spoken to representatives at both companies and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.
Consumer complaint received 2015-08-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

I finally got my modification finalized and I asked that the company put in writing that my mortgage investor does not participate in forgiveness of principal. I put this request in writing XXXX in the month of XXXX 2015. To date I have received no response. I was sent a form for automatic debit of my new mortgage payment and when it was n't debited I called in to find out why. They stated they were behind and would set it up. XXXX XXXX was my first payment date and nothing has been debited. All the credit bureaus are showing a past due mortgage balance and do not reflect my modification. I contacted my mortgage provider, Rushmore and they stated in XX/XX/XXXX this would be taken care of at the latest XXXX XXXX. Nothing has happened and I am being denied business loans. 

I have proof of all my claims, delivery confirmations, names of employees that I spoke with etc ....
Consumer complaint received 2019-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

This is a continuation of the complaint i have already made through the CFPB - case number XXXX I contacted XXXX from Fedloan XXXX as she was assigned to my case after submitting a formal complaint to the US department of education. She is in charge of obtaining my promissory note and reviewing my interest rates as I have received previous documentation stating my interest rate was higher then the fixed amount. I sent her an email requesting to have a discussion regarding my repayment terms now that they have been changed to 120 months- to find out what my payments would be, how much my loan amount would be reduced etc. 
She called me on XX/XX/XXXX I informed her of the response I received from the CFPB regarding change in payment terms. She stated that typically the 120 months would start in XX/XX/XXXX, stating that my previous XXXX years of payments under the standard repayment plan ( I have paid several hundred dollars more then the actual amount in an attempt to pay it off faster ) would not go towards the 120 months. I questioned her on this because this was FRAUDULENT behavior on the part of Fedloan. My terms from the beginning should have been 120 months ( per US department of education guidelines which they state they follow ). 
Now that I caught them and made the formal complaint I CAN NOW RECEIVE THE CORRECT TERMS??? If that is the case FEDLOAN is continuing to DEFRAUD ME. She then informed me that my loan accrues {$15.00} in interest per day, approximately {$480.00} a month- approximately {$5700.00} a year. THIS IS COMPLETELY INCORRECT. My XXXX XXXX states my student loan interest received by lender is {$10000.00} over the past year. If FEDLOAN doesn't credit me for the months I have paid ( started paying my loan XX/XX/XXXX under the standard repayment plan ) which is XXXX years of payments they are now defrauding me of approximately {$27000.00} or MORE. 

Yesterday- XX/XX/XXXX I received my new repayment terms and they were 120 months starting XX/XX/XXXX. I refuse to allow Fedloan to continue to act in corrupt ways and take advantage of me which is why I decided to submit another formal complaint.
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (MO)

XXXX, XXXX and XXXX has not corrected my Credit File to reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 

Waiting for a Reply, XXXX XXXX XXXX
Consumer complaint received 2024-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have no knowledge of XXXX XXXX, I have no contract with them, nor do i even live in the same state this company is located. My first knowledge of this company came when they surprised me by placing two collection accounts, XXXX unknown account for {$390.00}, and another unknown account number XXXX, for {$1300.00}, on my XXXX XXXX, and transunion credit report. 

These are allegedly charged off accounts, purchased by this debt buyer, but being reported with late payment histories, which doesnt even make sense. None of the information is even accurate, reporting different date of last payments, or in the case of XXXX no date of last payment even recorded. All violations. 

I've had no contact prior to this. I was never sent any notice of debt, by phone, or mail. Or given any time to dispute. violation. 

I disputed the account with all XXXX bureaus, multiple times, and after notifying the credit bureaus about the multiple violations committed by XXXX, they continued to report the account, and failed to update the status to in dispute within the 30 day timeframe. another violation. 

After continuing to dispute this unknown company and the negative marks on my credit report, I challenged XXXX XXXX to validate the debt, they did not provide such documentation. Which makes sense, since why would a company who cant provide validation of this scam debt, follow FCRA Regulations. This is another violation. Instead of removing the scam accounts, they doubled down, and just closed them. I thought that was the end of it, but today XX/XX/XXXX, they reopened the account on my credit reports. with the " original '' dates for the account opening they claimed.
Consumer complaint received 2022-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

Transworld systems keeps contacting us despite a debt of {$610.00} not being owed by us and being taken care of. They keep calling and sending letters and keep telling us they'll take us off their list but they never do.
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

On XX/XX/XXXX, my loan was sold by XXXX to Bayview Loan Servicing ( BLS ), with no notice to me. Within 10 days, I received a default notice from BLS. I called BLS and I was told I owed money to XXXX. I asked how much I owed XXXX and I was told I had to contact XXXX as BLS does not collect for XXXX, having no access to the XXXX system. I went into a local XXXX branch and the manager looked up my account and stated I was in good standing with XXXX. I then called BLS again and they stated there was nothing they can do because they show I owe money to XXXX I have since been to a total of three XXXX branches and the advised I am in good standing with them and I owe nothing towards my mortgage. I asked BLS how they can find me in default when the money was owed to XXXX, they said it must have been a mistake because my XXXX payment went to XXXX instead of BLS. After several phone calls to BLS, I could not get anywhere. They continued to insist that I owed money to XXXX. It was a Catch Twenty-two. The only way I can solve the problem was to pay money to XXXX, but XXXX would not take any payment stating I did not owe anything. 

So, I just kept making my payments as the attached Spreadsheet will show ( Exhibit 1 ). This exhibit details all payments from XX/XX/XXXX, the date BLS took over servicing the loan, and XX/XX/XXXX. As of that date, I overpaid BLS {$4500.00}. Additionally, these records show I made all payments due to BLS and I have completed these payments to the current date. During this time BLS changed their position and instead of claiming I owed money to XXXX, they stated I owed money to them, for XXXX, yet they took over servicing the loan in XX/XX/XXXX. BLS started charging me monthly fees, in amounts which violated my original mortgage documents, for being late, when it was obvious, I wasnt. They even told me previously that I did not owe money to BLS. BLS also was holding payments I made in Suspense meaning they were not crediting the monthly on-time payments I was making so they could charge me late fees. 

BLS has also reported my account as being late every month, year after year, to the credit bureaus, trashing my excellent credit rating, and preventing me from buying any properties now and in the future. This action is illegal and immoral. I have made every payment due to BLS since they took over the loan. I attempted to resolve any problem in XX/XX/XXXX but BLS stated I didnt owe them money, but I owe XXXX. XXXX has told me that BLS is not authorized to be a debt collector on their behalf. Why then is BLS trying to force unauthorized payments from me and ruining my credit rating? This is definitely not fair credit reporting when every payment owed to BLS has been paid on time.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within XXXX days. Attached are the documents supporting my claim.
Consumer complaint received 2017-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

For Months I have been trying to reach out to XXXX, who is reporting negative information on my credit report. I have written letters asking for debt validation ( not verification ). I specifically asked for original contracts with my signature, as I have never had any accounts or have done any business with them. I also reached out to XXXX XXXX bank who XXXX says is the original creditor and they wrote a letter saying that they do not have any information regarding any account with them ( letter attached ). 

XXXX has NOT validated the debt that they are reporting on my credit report, however, they continue to report negative information. Also, they have sold the debt to Resurgent, which is illegal because they NEVER validated the debt.
Consumer complaint received 2017-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I have been trying to arrange an income based repayment plan with Navient since XXXX 2017 and I 've tried to follow their instructions, submitting my application, proof of income, self certification letter, and other documents explaining my income status, each time completing the submission process and receiving confirmation that everything succeeded only to start receiving emails stating that I have a payment due that is not what was agreed upon and when I contact customer service, in every single case, they tell me that they have never received my application and have no documents from me. 

When I have requested that my situation be escalated to a higher level, I am told that there is no such process for escalating a complaint nor the possibility of any kind of supervisory appeal to assist in resolving whatever is happening. I have been charged late fees which have been added to the principle of the loan as a result of this chaos. When I attempted to simply just start sending in payments, I was informed that the payments I made were simply going to pay for the late fee penalties and would not be considered payments on the student loan, forcing me to cancel the payments. 

I feel like the pattern of operations Navient has been demonstrating is exploiting people who are in positions of financial hardship and designed to confuse, frustrate and pressure borrowers into agreeing to repayment terms that are beyond their ability to pay and a system where penalty fees can be added to the loan principles.
Consumer complaint received 2016-05-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

We have had ongoing disputes against Select Porfolio Servicing filed with the CFPB. Those disputes are under claim # s - XXXX, XXXX, XXXX, XXXX, XXXX, XXXX - XXXX, and XXXX. All of these complaints request information regarding our " mortgage '' that was supposed to be paid XX/XX/XXXX but was placed in false default by SPS, with the loan " paid out '' by another entity before receipt of our payoff loan amount. SPS has just sent us a letter, see attached, stating that they can not response to our requests for information given that the loan was serviced over a year ago. However, in XXXX XXXX, SPS acted as a servicer, without any authority, or Power of Attorney to act, by recording a new assignment, and discharge, in our County. SPS also provided information to us that our loan, prior to our actual payoff check, was placed in default due to Forced Placed Insurance ( that was not required at all ), and we were never informed of that insurance. SPS also assessed default fees and charges against us after we paid off the loan in XX/XX/XXXX. SPS refuses to identity the entity that actually paid out on the loan to SPS, and what SPS actually did with our payoff check monies. SPS states that it has been over a year for servicing, but they file an assignment and discharge, without authority, in XXXX XXXX. Obviously, SPS was still servicing in XXXX XXXX - or they have no authority to record any documents in our County. We request, again, for SPS to provide all information, regarding our loan, that we have requested, and SPS has failed to provide, and to explain why SPS continues to act as a servicer, on behalf of XXXX XXXX XXXX Bank, who has no knowledge of our loan, in XXXX XXXX, but refuses to cooperate with us to provide accurate and complete information as requested, multiple times, and under RESPA, to us..
Consumer complaint received 2018-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I made a deposit of {$1000.00} at XXXX XXXX PST XX/XX/XXXX from my XXXX XXXX XXXX checking account. I also made a second deposit of {$1000.00} at XXXX XXXX PST XX/XX/XXXX from my XXXX XXXX XXXX checking account. I was sent an email ensuring that all my funds would arrive within 2-4 business days so that I would be able to utilize them. At the time of writing, it is XXXX PST XX/XX/XXXX and my funds have not arrived yet. 

I have tried calling the customer support of Coinbase, but they have been of no help to me. They say that " the funds will eventually arrive '' but I have plans with the money that have been postponed due to the delay.
Consumer complaint received 2018-01-10
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: SYNCHRONY FINANCIAL (NC)

XX/XX/XXXX17 XXXX XXXX XXXX XXXX placed a hard inquiry on my XXXX report. I have called the company two different times and was told by two different representatives that XXXX XXXX XXXX is a department that does n't exist. The representatives each told me that it 's nothing that they can do and to call the reporting bureaus. The only credit report it 's showing up on is transunion. I have called transunion numerous times and the representatives are not willing to help either. Transunion is telling me that they do n't dispute inquiries and to call XXXX.
Consumer complaint received 2022-04-01
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 XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-04-01
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: EQUIFAX, INC. (FL)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2018-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

These credit bureaus, and these collection companies have admitted that my credit file has been breached. With the help of these thieving collection companies, my personal information is being used all over Georgia with impunity. These collection companies know very well these are not my accounts ; however, these collection companies are seeing blood in the water, and they are focused like the sharks they are. 

We must close these collection companies, and they are unabashed in corrupting my credit report. This is unacceptable and unenforceable, and this is an unscrupulous bid by these companies to inject itself from legitimate deeds against them. My Social Security number, birth date, address, driver 's license information is in the hands of criminals supplies by these collection companies and XXXX, XXXX, XXXX, and XXXX. 

This is precisely the category of data criminals can use to mimic victims to banks, credit card companies, insurance companies, and other businesses defenseless to deception. Lock-up these managers at these collection companies, and the credit bureaus. They are smooth and courageous criminals. This situation emerged since my personal data is cherished to thieves, these bureaus, and these collection companies are in the business of making money legally, and/or illegally. 

These companies are much more than a credit reporting agency. It is a data broker, and thieves who are living like fat rats. It collects information from all of us, analyzes it all, and then sell them. If they think I will kick the can down the road when it comes to my credit. Well, I got news for them today, I am not.
Consumer complaint received 2022-04-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (WA)

I have been disputing this account since XX/XX/2020 and I have been asking for verification documents to show that this account does in fact belong to me and they have not responded in writing with any information. When I contact these companies by phone they are not even able to locate my account with my name, social and address.
Consumer complaint received 2021-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a XXXX credit card. I had this card since 2017. It is not showing up on my TransUnion credit report or XXXX credit report but it is on XXXX credit report. I have called XXXX and they informed me numerous times that a report was sent out to the credit agencies, showing this account belongs to you and to please add it to your credit report but again this account is still missing from 2 credit reports/agencies. I have also called and sent letters to TransUnion and XXXX letting them know this important information is missing from my credit report but again nothing has been done. I even sent them a statement by mail, from XXXX with my information showing this is my credit card account but still this information is missing from my credit report. It is hurting my credit making my score and credit report inaccurate. I have been sending letters and calling on this matter for 3 years now. Please help me with this problem/matter so all my credit reports can be accurate and look the same.