davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OH)

Rushmore have problem taking my payments from my Account and have been suspended from making payment over phone with my checking are saving account ..The thing is every now and than what ever they are typing in go through sometimes and when it dont Im suspended from making payment that way for like 3 months are more ..and they give me other options which is a burden and crazy but not even my fault ... because the money will still be in my account..its very frustrating when I have to verify often to see if its processing ..please fix ...
Consumer complaint received 2017-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

I had XXXX federal loans with Navient Solutions, all which have different principal balances and interest rates as they were for the 4 years I was in college. As of XXXX XXXX, 2016, I refinanced my largest loan with Navient ( Loan XXXX for reference ). Per the statement on the website the balance to fulfill the loan obligation was $ XXXX. My new loan service, XXXX, paid $ XXXX to Navient, specifying the payment was only for loan XXXX. Following the funding of the loan, my statement showed a balance of - $ XXXX for loan XXXX. I called Navient and asked why there was a negative balance. I was told this was because the balance owed was really $ XXXX. I asked what the process was to get the $ XXXX back to XXXX as the re-financed loan with XXXX was at a higher interest rate. I was told by the Navient representative that they would write a check or wire the money to XXXX. Performing due diligence, I called XXXX to confirm their process. The process was confirmed by XXXX, and I was told that once the check or wire was received the $ XXXX would be deducted from my principle balance of the loan and I would be refunded the additional interest accrued at the higher principle balance. After 45 days ( I was told it would take XXXXXXXX days to process ) I called Navient. I was told by a representative that the $ XXXX was not sent to XXXX, as I had confirmed and requested in XXXX but rather applied the credit to the remaining XXXX loans serviced with Navient ( with different interest rates and balances ). Navient did this not only without my permission but also without any notification. I informed Navient I was very upset as the loan I wanted to apply the money to was a higher interest rate. I was not able to receive an explanation as to why Navient did this against my specific instructions. I pay every month on time, I have a perfect payment history ( all loans were in perfect standing at the time of being told a refund would be issued ). I performed everything to ensure this would not happen.
Consumer complaint received 2017-02-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I called the company Account Resoultion Services several times and was hung up on when I asked for their registration number to collect in Florida. I am very aware of my laws and rights for a collection agency to collect a debate in Florida they MUST be registered to collect in Florida and be registered with Florida office of financial regulation.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OR)

On XX/XX/XXXX I mailed in form to to get the XXXX free credit reports. I have only received XXXX from XXXX. XXXX sent me a postcard asking for more documentation in XXXX. I sent them the requested documents immediately. I received nothing back from them and I've received nothing from at all from equifax.
Consumer complaint received 2017-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CO)

XXXX ( Synchrony Car Care ) Charge of {$1700.00} on acct. Interest {$280.00}. Charge of {$25.00}. Payments of {$1000.00}. Co. claims balance of {$1400.00}. CS and CEO office not helpful. Initial charge on XXXX XXXX, 2016 of {$1700.00} and {$1000.00} payments made. " Deferred interest '' added in for the amount of {$280.00}. Evidently another care of {$25.00}. Payments made online from personal bank account. I called CS this date to clarify and CS related they are unable to access payments but balance of {$1400.00} was correct and due. When asked to transfer to supervisor put on indefinite hold and never answered. Called office of CEO - receptionist referred back to CS general number claiming no alternative to contact accounting department. Called back - operator claimed CEO 's name not available to general public. Company trying to collect {$540.00} in excess of debt. My sense of the company when trying to resolve this was it is somewhat of a game for them and perhaps a business tactic to overcharge consumers. THE COMPANY OFFERS NO VIABLE MEANS OF RESOLVING COMPLAINTS ON THEIR WEBSITE, IN TELEPHONE CONTACT, ETC.
Consumer complaint received 2016-09-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NM)

We am trying to modify our mortgage that got sold to Carrington, they lost the paperwork, i have proof I sent the paychecks and the other information they said they needed to update. They told me I have to start again and they told me they will send the paperwork. I have not received it, I called twice.
Consumer complaint received 2019-06-03
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. (CA)

I requested from Experian, XXXX and XXXX that they forward to me via federal law, any consumer contract bearning my signature for the disputed accounts that they are reporting on my credit report. They have had more than 90 days at least to forward me in writing documentation with my signature and they have failed to do so. 

They continue to state that they verified information however they have not properly done so, they have not propely verified anything.they contine to forward to me, generic letters stating that the person that is reporting the information verified it. 

EXPERIAN response to one disputed item was that the furnisher has " certified '' that the information is accurate. THIS IS A VIOLATION OF THE LAW. the federal law is clear as to what methods are acceptable and taking the word of someone is not accurately complying to federal law. 


I CONTINUE TO SEND LETTERS REQUESTING THE PROPERLY VERIFIED PROOF.
Consumer complaint received 2015-05-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

My loan was transferred from XXXX XXXX XXXX to Carrington in XXXX 2015. Carrington was holding my XXXX payment in a suspense account. I informed Carrington that I was not accepting a loan modificationwhich was approved by XXXX, and that I wanted my payment applied from XXXX and to make my XXXX payment. I was told I was unable to make a payment even though my account was current! I sent in an opt out letter to which I was then told I could make a payment. I made a payment and requested that the XXXX payment get applied. I found out that payments have been received but now XXXX and XXXX payments have not been applied and my account is showing past due!
Consumer complaint received 2015-12-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (ID)

Focus Receivables ManagementXXXX XXXX XXXX XXXX, GA XXXXThis company has reported to the credit agencies that I have {$38.00} in collections with XXXX XXXX from XXXX and reported it in XXXX XXXX. I 'm in the process of trying to obtain a home loan and this has negatively affected me. There is no way that this is a legitimate debt as I was not living in the United States from XXXX XXXX - XXXX XXXX, do not have XXXX XXXX nor is it even available in XXXX Idaho where I 'm currently living. They had called me several XXXX times and I informed them that this is not my debt and I do not have any account with XXXX cable. I had asked them several times to stop calling me before blocking their number. I 'm still receiving several mysterious automated calls daily. 

Regards, XXXX XXXX
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 — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

In XX/XX/XXXX, XXXX XXXX XXXX enticed me, a personal consumer, to patronize their " XXXX XXXX XXXX XXXX XXXX  '' ( formerly " XXXX XXXX  '' ) streaming service with a " {$10.00} ( plus 10 % tax rate ) '' ( {$11.00} ) offer as long as I initiated and maintained a phone plan and mobile carrier services from XXXX XXXX XXXX. I accepted this offer and authorized monthly charges in the amount of {$11.00} to my Bank of America 'Cash Rewards Visa Signature ' credit card. XXXX XXXX XXXX has unilaterally increased the {$11.00} charge to my credit card on multiple occasions. The {$11.00} charge for " XXXX XXXX XXXX XXXX XXXX '' services was increased in XX/XX/XXXX to {$16.00} and every month thereafter until XX/XX/XXXX when it was further increased to {$26.00} and every month thereafter until XX/XX/XXXX when it was further increased to {$37.00} and every month thereafter until XX/XX/XXXX when I was charged {$63.00} for a single month of " XXXX XXXX XXXX XXXX XXXX   '' services ; this most recent charge in XX/XX/XXXX captured my attention in an alarming manner. The only change to the main stipulation that required me, as a personal consumer, to maintain a phone plan and mobile carrier services from XXXX XXXX XXXX, that I processed ( without being informed of the possible impact to the {$11.00} " XXXX XXXX XXXX XXXX XXXX '' service rate authorized ), occurred in XX/XX/XXXX when I purchased a brand new XXXX XXXX phone device from XXXX XXXX XXXX and added a new line ( new service lines in addition to my preexisting service line since XX/XX/XXXX from XXXX  XXXX XXXX ). Since that XX/XX/XXXX transaction, I've been charged the {$37.00} increased amount beyond the {$11.00} authorized amount, twice and then in XX/XX/XXXX charged a {$63.00} amount that captured my attention and to which I reach out to XXXX XXXX XXXX ( refer to correspondence attached ) and processed an immediate cancellation of " XXXX XXXX XXXX XXXX XXXX '' services. The only explanation offered by XXXX XXXX XXXX for their unilateral increases to authorized {$11.00} charges was that " the price increase as subjected to market value and the raising costs from the channel provider '' ( refer to correspondence attached ).
Consumer complaint received 2018-07-02
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. (GA)

When submitting a dispute they do not provide physical proof of information that show that the information they report is correct. So I'm submitting what I need in a cfpb complaint
Consumer complaint received 2020-07-21
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: JPMORGAN CHASE & CO. (SC)

I purchase a flight ticket on XX/XX/XXXX for a flight going to XXXX on XX/XX/XXXX. The amount if {$720.00}. The merchant 's name is XXXX XXXX and they are based in the XXXX. I tried to cancel the flight on XX/XX/XXXX because of COVID and because the merchant already sent an email stating hat all international and domestic flights are cancelled, however, I was not able to get a hold of the merchant because of high call volume so I called my credit card company Chase to resolve the billing dispute for me. They said they were able to get in touch with the merchant and based on the merchant 's terms and conditions, I am not eligible for a refund or flight cancellation, Chase said that I am responsible to pay for the charge so I said okay I'll just go ahead and take the flight then. On XX/XX/XXXX, I received an email from the merchant stating that they are cancelling the flight and I can file for a refund but it will take 4 billing cycles to get processed. I called my credit card company again Chase to reopen the billing dispute. The agent I spoke with said that I can redispute the transaction based on the fact that the merchant is no longer able to provide the service. I sent a letter via snail mail to redispute the charge. On XX/XX/XXXX, I received another letter again from Chase stating that the charge is valid without any explanation. I called them and spoke to a supervisor and was told that because I originally initiated the cancellation, I am no longer entitled for a refund even though I haven't really spoke with the merchant and there was no confirmation of the cancellation from me. I believe I am still entitled for a chargeback based on the Fair Credit Billing Act in which services were not provided and I don't believe my case was treated fairly by my bank.
Consumer complaint received 2017-05-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I was doing a general search online and discovered a judgement against me in  XXXX  County that I was never aware of.   The suit gave them a default win because I was not present to defend myself because I was not aware of it. The court date was  XXXX / XXXX / 2017
Consumer complaint received 2016-12-08
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WLCC (FL)

I have signed on to a line of credit, not really knowing the full details, as I so desperately needed the funds, I had already paid an installment loan off in full with this company in the past and went to apply for a new and then was talked into a line of credit ow which I have been paying on religiously every two weeks, I would like to resolve and come up with a settlement amount, as to date I have paid on this particular line of credit just in interest XXXX which I think is beyond too much, I am in a bind right now and had to close my checking account for the ACH being taken out every two weeks, would like to come up with an agreeable amount to pay off so I do not look like I am trying to avoid I am just going broke on these installments, Please advise to a settlement amount.
Consumer complaint received 2020-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NE)

I filed report number XXXX. Agency responded within one day stating that my account does not belong to them but they are reporting a collection for two years on a capital one card that I never opened or authorized to be opened and used in my name and is no reflection of accounts openly legitimately or used legitimately by me. The name of the agency is confusing, one report says professional Recov and the other says portfolio. Please just review identity theft notification to remove collection. 

I have called, written letters, filed theft reports and sent them to this agency. Even to this consumer complaint they are dodging this to be removed and falsely claim they verify my debt when disputed but even here claim its not my account. I am a victim of identity theft and it needs to be removed from collections and my credit report immediately. 

Please see first attachment of account listed under their name on my report for the amount listed as a collection, reported every single month and opened in XX/XX/2018. My last name has been XXXX since XX/XX/2018.
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 — Account status incorrect
Company: EQUIFAX, INC. (FL)

DEPT OF ED/NELNET shows XXXX XXXX and XX/XX/2019 not current. {$37000.00} this info is incorrect, I was in forberance during this time. 



DEPT OF ED/NELNET shows XXXX XXXX and XX/XX/2019 not current {$31000.00} this info is incorrect, I was in forberance during this time. 

I am trying toi purchase a home and this is affecting my options. Can you please correct this information please?
Consumer complaint received 2018-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NY)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX  , XXXX XXXX XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised.  My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2024-02-23
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX
Consumer complaint received 2017-06-05
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: Coast to Coast Financial Solutions, Inc. (IL)

I have disputed a collection on my  XXXX  report several occasions and have not gotten a resolution. I paid a collection from  Coast to Cost for {$240.00} ( {$250.00} w/ fees ) on   XXXX   XXXX ,    2016. It is being reported on my   XXXX   report as being open and the full amount owed. I called Coast to Coast and th ey report the account as closed and say that  XXXX  never contacted them in regards to the dispute I filed.
Consumer complaint received 2017-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Talbot, Adams, & Moore, Inc. (TX)

The aforementioned credit collection agency representing  XXXX   XXXX  violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX .   The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If  Spears, Dewitt & Hall Collection Services d oes not have any documentation, they need to retract this from my credit file immediately.