davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (DC)

I have credit monitoring through Experian due to a data breach. ReporXXXX XXXX XXXXXXXX was issued on XX/XX/year> to place a security freeze on my credit. I wish to remove the freeze temporarily to obtain a new credit card. When I tried to log into my account, the user name & password were rejected as invalid. I tried to retrieve my password, but my cell phone number ( which I had previously used to get a security code ) was rejected as invalid. I called the customer service number to resolve this apparent glitch. I gave my my SS # and other verifying information, and was told that indeed, my account was frozen and that I should log in to my account to change my status. Obviously that was not possible, and the automated response options were of no help, as I needed to speak to a live person to resolve this problem. the automatic response options just created a loop and finally i was disconnected.
Consumer complaint received 2017-02-05
Product: Credit card — 
Issue: Delinquent account — 
Company: Bread Financial Holdings, Inc. (FL)

I make monthly payments to PayPal Credit. They claim I am past due and assessed a late charge on my account and raised my payment. In the pay history it is clear that I pay every month as I see all my payments posted. They are not helping me through their customer service channels.
Consumer complaint received 2015-09-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

We have had some medical and legal bills. We have now gotten 4 to 5 house payments behind. I told Chase we were able to pay 2 house payments and they told me via phone they will not accept them, They want all the payments and I do not have that. Also they demand the house payment directly on the first and my pay period is every two weeks on Friday and many time that is not on XX/XX/XXXX. 

I hope you can help meSincerelyXXXX XXXX
Consumer complaint received 2016-09-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc (CO)

Received a letter from PayPal Credit ( XXXX XXXX Bank c/o Bill Me Latter Inc ) informing me of changes in terms. The letter provided identifying acct., information or contact information, other than a XXXX for XXXX, an I had no recollection of ever having done business with any of these organizations - PayPal Credit / XXXX Bank / Bill Me Later. 

I then reviewed last year 's annual credit reports and found no references to any of these organizations, so then using the web found a phone number to call. 

Contacted the number and finally reached a human ( prompt continually insisted I enter my non-existent acct number ). The agent informed me they do n't report to any credit services - Great, so much for monitoring for fraud - they could n't confirm I they even had an account listed for me when I provided name and address, then phone number. Then was asked if I had a XXXX acct ( not to my knowledge ). Finally after digging up a 3yr old phone number from some old records an account was found!!!!!! Apparently I charged a prescription back in 2009 for {$11.00} when I still had insurance to XXXX. 

At best I perceive this to be questionable/shadowy organization. They may not be in violation of any legal statues, but they sure are n't exhibiting any sound business practices. 
- Communications with noting but a PO for contact info - No method for monitoring for fraud - Stale account data - Limited ability for acct identification, would received absolutely no assistance if I had n't known a 3yr old stale phone # How many other 'ghost ' accounts may be out there?
Consumer complaint received 2022-09-06
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: U.S. BANCORP (FL)

A bunch of inquiries appeared on my credit report without me knowledge or consent. 
these inquiries are : XXXX XXXX, XXXX, ELAN FINANCIAL XXXX XXXX XXXX, XXXX XXXX XXXX CITIZENS BANK, XXXX XXXX plus more.
Consumer complaint received 2016-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I have requested verification of the debt multiple times, sending certified letters to this company with no response. They continue to report this debt to the credit agencies without providing documentation that this is a valid debt. It has now been past 30 days since the request for documentation proving my financial responsibility and they still have not provided the information requested.
Consumer complaint received 2015-08-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Law Offices of Mitchell D. Bluhm & Associates (IN)

I paid an old ambulance bill to a collection attorney office Mitchell D blume back in XX/XX/XXXX. Now they are contacting me about said ambulance bill again and they have listed it on my credit with a date opened of XX/XX/XXXX. Last time we used an ambulance service was in XX/XX/XXXX. I paid that with them settling this in XXXX the first time they contacted me. That ambulance bill was for me personally. 
Now saying they have one for my daughter XXXX who was covered under package A XXXX in XX/XX/XXXX. I provided all her ins information at the time of service. And its against the law to bill any XXXX recipient for any medical bills. So why am I being billed again? And why is it now on my credit XXXX yrs later and just bow hearing about this with an open date of XX/XX/XXXX? We have not used an ambulance for any reason this year or for XXXX yrs now in fact!
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (IN)

i Called the number that is on my navient bill and spoke to a gentle man who said that i qualified for a student debt relief program. he said that there was {$600.00} filing fee. i gave him my credit card and social security information and navient account number. he said that he worked for navient.
Consumer complaint received 2020-03-04
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. (MS)

There have been at least 12 accounts for student loans that have been fraudulently opened under my Social Security Number and I have never attended a college. I have fought this since I first seen it in 2010 and they keep telling me that I am responsible for the loans even though I never have went to college. My tax returns have been garnished for years over these loans and I really need for these to be removed and my money returned from what they took from me in Income tax refunds more than {$16000.00}.
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

We were in the process of selling our home. I was in contact with the company due to the fact that we were having trouble obtaining a payoff. I informed the company that we were selling the home, I called and notified the company. I was told it was noted in the account. The closing attorney requested the payoff at the end of XXXX and because he did not get a response, I had to call and finally received a payoff. We closed on the home on XX/XX/2018 and the mortgage was paid off on XX/XX/2018. Regardless of my communication our credit report was hit. I am under the understanding that this will be on my credit report for 3 years. I want it fixed. I was in communication with the Mortgage Company. 
I did my part, it is out of my control when the check is sent to pay the mortgage, and the fact that the mortgage company did not provide us with the payoff. I notified them that we were closing on the home, and I do not feel I should be hit on my credit report because they were not able to honor my efforts. I explained that the reason for selling the home is that I did not have the money for the mortgage, thus why the issue. Also, they filed for foreclosure on the XXXX home. I received paperwork. We never missed a payment, we may have been late but made the payment within the month. I told them we were selling the home. How in the XXXX does that make sense?
Consumer complaint received 2022-09-06
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: GOLDMAN SACHS BANK USA (FL)

A bunch of inquiries appeared on my credit report without me knowledge or consent. 
these inquiries are : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, APPLE CARD plus more.
Consumer complaint received 2017-02-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

PennyMac Mortgage XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2017 XXXX : Loan # XXXX / Property Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Dear PennyMac Mortgage Servicer : I am writing to request clarification concerning the recent XX/XX/2017 Billing statement which includes " Foreclosure Fees '' totaling {$1000.00} which were added to my XX/XX/2017 payment coupon. 

In previous negotiations over numerous phone calls and correspondence, I was told in writing and verbally through your collection agents that there would be no Foreclosure fees, and in support of that fact I had requested a payment reinstatement letter showing what the final costs to reinstate my loan would be. ( See enclosed letter from PennyMac dated XX/XX/2017 ) After receiving this letter and getting a Monthly Mortgage Statement for XX/XX/2017 which stated that the " Total '' funds required to bring the loan back into compliance would be {$9600.00} which is the exact amount that was over nighted by certified funds to satisfy the demand for payment and was to include all late charges. 

I believe I was deceived through verbal and written communication as to what was owed to pay back the past due amounts. I am protesting the amount of {$1000.00} which was added to my XX/XX/2017 payment coupon. 

I am demanding that a full written communication be sent to me no later than XX/XX/2017, concerning the reason why I was told verbally over the phone on XXXX separate occasions ( Review your phone records as proof ) that no other fees would be assessed. And that as referenced on Loan Notice letter dated XX/XX/2017 : See Page XXXX of XXXX, ACTION REQUIRED, ABOUT YOUR REINSTATEMENT OPTIONS : Option 1, ( Enclosed ) That the full amount due would be {$9600.00} ( Page XXXX of XXXX ) and did not include or reference " Foreclosure Costs '' latter requested totaling {$1000.00} Please see that an investigation is immediately commenced concerning these added charges that I do not believe that I owe. Please be advised that mortgage payments for XX/XX/2017 will not include the added {$1000.00} which I am disputing, and a that a formal complaint is being initiated with the Federal Trade Commission. 


Sincerely XXXX XXXX XXXX
Consumer complaint received 2015-06-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I purchased a vehicle through Credit Acceptance Corp for XXXX with a 25 % interest rate that i have paid over XXXX dollars on and they are stating that i still owe XXXX dollars on the balance and are threatening to repo it. I was out of work for XXXX weeks with a XXXX and collecting XXXX of XXXX per week and still made my monthly payment. XXXX week returned to work to come out of work and find my car gone. they demanded XXXX dollars to get my car back which i payed them. Only to get a call stating i was XXXX behind in my payments and are threatening to repo it again, after just XXXX weeks of paying the XXXX to get it back.
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$990.00}. They were reporting on a XXXX XXXX credit card that I did not have. I disputed both accounts with XXXX XXXX, XXXX XXXX XXXX and all XXXX credit bureaus. Neither company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both companies and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all XXXX credit bureaus to remove the incorrect information from my report.
Consumer complaint received 2021-06-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (AZ)

I started in XXXX of XXXX to get forbearance to end. Sun Trust kept with excuses until XXXX of XXXX when they finally said they received and uploaded my singed documets and process would take up to 90 days. Its now XX/XX/XXXX of XXXX well over 120 days since XXXX. I am trying to refinance and cant get an updated current statement as they say its not in forbearance anymore but in process. I keep making payments via phone ad money keeps getting allocated to an unapplied account that they say will reflect once they update. I call all the time to only be told they will call me back, sometimes they do but with no help as they say they cant transfer me to a supervisor because they are working from home and rather they will have a supervisor call me within 48 hours. they never have called me. I filed a complaint today with sun trust hotline as well. I am also waiting a call back from Sun Trust mortgage so I can make XXXX payments and ask once again about my mortgage status they claim would be updated to current reflecting my payments by last month. Please help resolve this! 

Thanks
Consumer complaint received 2016-07-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

Experian is reporting negative information on my credit report. I have taken the necessary steps to dispute the information with the credit bureaus and have requested verification that this account belongs to me from the data furnisher ( letters of request are attached ). I 've sent a letter to Experian on XXXX XXXX, 2016 and another follow up letter on XXXX XXXX, 2016. I 've also sent letters to the data furnishers on XXXX XXXX, 2016, and again on XXXX XXXX, 2016. To date, they have n't provided me the requested signed contract, actual documentation or verification that this account does in fact belong to me. I 've researched the FDCPA & FCRA and found out that it is the responsibility of the data furnisher to provide the consumer with all the proper documentation when requested. They are violating the FDCPA/FCRA! I 'm hoping you can help me as my next step and only other option will be to solve this through legal channels.
Consumer complaint received 2016-10-14
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Resurgent Capital Services L.P. (PA)

LVNV LLC is reporting on my credit report that I owe their company {$640.00} dollars. I have submitted in writing asking them to send me any signed documentation by me that I owe this balance and for what. LVNV has not responded to my request for the signed documentation but continues to report this on my credit report.
Consumer complaint received 2015-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (NH)

I fell behind on my mortgage payments and contacted my mortgage company and asked to start a modification so I can get current on my payments. At that point I was only XXXX months behind and was looking for a repayment plan. I was asked to send in the modification package to my case manger. I did and was then referred to another case manager. The second case manager sent me a letter saying I had missing information. I mailed in the information, I called to check on it and was told I had a new case manager. That case manager sent me a letter saying there was information missing so I sent more information. I called to check on it and my case manger was on maternity leave.... Every time I called I had a new case manger or missing information. On XXXX XXXX I finally got confirmation on XXXX of my phone calls that a case manager was reviewing my information and would get back to me. So I waited. I called the case manger a few times and could not get through I just got a message saying she was out of the office and to dial XXXX to go to someone else. If I dialed XXXX it looped back to her voicemail I would call the main number and they would send me back to her voice mail. I finally asked to speak to a manager and got his voicemail but never got a call back. On XXXX XXXX and letter was mailed out to me. I did not receive it until XXXX. It was from the case manger that was on maternity leave. The letter said that I was missing a date and a tax form but it was to late to send the information. A sale date was put on my house and my case would no longer be reviewed. I called the lawyer associated to the foreclosure and asked for a reinstatement letter. The price was so high because they let this go on for so long that I was forced to file chapter XXXX to save my property.
Consumer complaint received 2022-09-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX, I sent out a a request for an investigation for my credit report to XXXX, Transunion, and XXXX. They are not complying with regulations based on my request for an investigation. I have not received any type of investigation results.
Consumer complaint received 2022-02-14
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. (TX)

On XXXX XXXX, XXXX, I submitted a certified written dispute. The reason for my dispute was a chapter XXXX dismissed bankruptcy reporting on my credit file. I firmly believe this is inaccurate information reporting or a system error and ; was not appropriately validated under the Fair Credit Reporting Agency " Privacy Law. '' Experian claims they validate this information through Bankruptcy Courts / Public records and or third party XXXX. I found XXXX 's claim to be untrue, false, and misleading. Per XXXX XXXX ( XXXX  ) ( XXXX ) states : If the credit bureau can not validate the information with the original creditor/ source, they must remove the information /data from the consumer credit file. The bankruptcy court mailed me a letter that emphatically stated that they do not provide any information to the credit reporting agencies, nor do they validate or confirm public records. The US Courts system never validates public records information due to the Fair Credit Reporting Agency Privacy LAW.

I also contacted the third party " XXXX '' about the Bankruptcy information. Experian claims they have to receive this information ; I was informed that my XXXX file has a security freeze. How could Experian get this information/data if my file has a security freeze? I have a letter from XXXX stating XXXX may not release my reports or scores derived for those use cases. That letter is attached to this complaint. 

I'm challenging this issue through the CFPB to correct this issue and conduct a reasonable investigation to make your Company follow the law guidelines. 

If you refuse to fix this inaccurate information or remove the data from my credit file, you will be inviolated with the Fair Credit Reporting Act. I will open up a XXXX in Federal Court ; I will open up a complaint with the XXXX  ; I have supporting documentation to support my XXXX and complaint.
Consumer complaint received 2022-02-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEARTLAND PAYMENT SYSTEMS INC (AZ)

I attended XXXX University in XXXX. I left in XX/XX/XXXX due to a conflict with a professor. My loan was returned and given to ECSI Heartland Campus Solutions for debt collection on XX/XX/XXXX. I have never defaulted on my student loans. 

I applied for and was accepted to a school in XX/XX/XXXX. I was denied financial aid due to a student loan being in default. Nothing for student loans turned up on my credit report, except my student loans in good standing. 

I have received bills from XXXX with an amount. The amount changes frequently with no itemization or explanation. On XXXX XXXX, XXXX I called XXXX for an explanation of the loan. Is it a student loan or not? I requested an itemization of my charges from my time at the school. I was informed that they sent the " returned '' loan to ECSI and I would have to call ECSI Heartland.. 

ECSI has never put their information on my bills, no account number, no phone number or address for ECSI Heartland, no mention of ECSI Heartland. The billing statements deceptively appear as if they are coming from XXXX, which XXXX denies. I tried calling ECSI Heartland and was on hold for half an hour with no response. When I tried to use the online platform it routed me to register with ECSI Heartland. I'm not interested in registering I would like an itemized copy of the original bill and an explanation of whether it is or isn't a student loan and if they can block me from receiving financial aid.