davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc (NC)

I worked for XXXX University from XX/XX/XXXX - XX/XX/XXXX. I was a salaried part-time employee. If you look at the documents, you will see my end date as XXXX in one place, and in another it is XXXX. XXXX paid me my salary. You can see the attached statement of earnings dated XXXX - XXXX. I was paid monthly. Also, on this same page, you can see where someone has altered a date with a pen. They changed it to read XXXX XXXX is saying I did not work in XXXX and should not have gotten paid. The dates on the earnings adjustment do not match. Also, on the overpayment calculation page, they have I was over paid on XXXX. I did not work at XXXX on XXXX. Look at request for termination page XXXX entered. They wrote they should have entered three but the system would not let them. I did not receive an overpayment from XXXX. If you look at the numbers and dates, they are incorrect. 

Also, I had to quit due to illness. I went on XXXX. XXXX reported the entire amount as my salary to the IRS - {$5000.00}. If I did not earn this why was it reported to the IRS? This amount was too high, and XXXX canceled my check stating I had made to much money. When I asked XXXX to provide XXXX with my beginning and ending date of employment and total earnings, they reported this full amount. They did not say I had an overpayment, or my earnings were less, and I needed to pay them money back. Due to this, my XXXX check was stopped in XXXX when my income was reported. I paid taxes on the money. XXXX is now telling me I owe them back XXXX. In addition, it is on all my credit reports. No one at XXXX would explain it to me. No one will remove it. 
On the one hand, they are telling the IRS and XXXX they paid me the full amount, and on the other hand, they are saying they overpaid me and want their money back. They did not overpay me. They have made mistakes with dates and entered numbers where they should not have. 

I disputed it an I received a letter from KLS Financial Services telling me under 15 U S C 1692g there is no basis in law for me to have any information about the debt and the Federal Trade Commission has stated they do not have to comply with such request. 

It is on my credit reports. I am receiving phone calls and letters for something I do not owe. If I did owe it, why not subtract it from the IRS wages? Why report it to XXXX? You can not tell some people I did not earn it and others I did. This has disrupted my life. I earned the money and paid taxes on it. XXXX found out I worked and earned the money and they stopped my check after verifying it with XXXX. I need it removed from all credit reporting agencies. XXXX did not overpay me. They can not file with the IRS and XXXX telling them I earned the money and then turn it over to collections stating I did not earn the money and they want it back. This is fraud.
Consumer complaint received 2019-05-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MN)

My name is XXXX XXXX XXXX account number XXXX with lender-services NAVIENT. My loans were consolidated, however ; due to my limited income an IDR was submitted to NAVIENT which was approved for an entire year ending XX/XX/XXXX. 

Nonetheless - to my surprise my Federal and Sate Income Tax refunds for XX/XX/XXXX return were captured by the Department of Education Collections for default payment. 

Consequently - after hours and disconnections and run-around for days from one department to another within NAVIENT, they found no reason for the capture. Thus - I had informed NAVIENT I had spoken to the Department of Education, and The Department of Education Collections as too the IRS all indicated the demand for capture was from NAVIENT. 

NAVIENT denies or declares they made no such demand. I am perplexed confused how an agency such as NAVIENT doesn't know what the left hand is doing and vice-a-vice. And - The department of Education Collections received the captured Income Tax refunds, but will not be released until NAVIENT sumits a reversal to The Department of Collections to return my State and Federal refunds along with a letter indicating that the IRS and Collection agency have been formal notified that an error in judgement was done and removed from the files of the IRS and Minnesota Revenue
Consumer complaint received 2019-05-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PACIFIC WESTERN BANK (CA)

Pacific Western Bank foreclosed our home in XX/XX/2014 and sold it for more than the loan amount that the money we owed them. We lost our home because they refused to extend the loan so they could take it and make more money. 
Then the bank said that we owed them {$210000.00} in attorneys fees and other fees for {$90000.00}, that's a total of {$300000.00}. Our attorney said that the bank can ask for interests which makes the amount now {$400000.00}. The bank didn't lose money when they took over our home and sold it. The bank has been harassing us for 5 years and continues to harass us and wants to take whatever we have left. This bank actions have caused us a great hardship which has created severe trauma in our lives by continuously attacking us and threatening us. They now want to take the home we live in and another property too under their carefully planned scheme.
Consumer complaint received 2019-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (NV)

In XX/XX/2018 - XX/XX/2018, I was treated by XXXX XXXX XXXX of Nevada as I was being treated for Stage XXXX XXXX. The deductible portion of the services were not billed to any of my insurance companies. The debt was turned over to PlusFour INC. collection agency, who ruined my credit by reporting this bogus claim. I am and was covered by XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX insurances that were never billed. I am unable to refinance my home because of this negative on my credit report. In twenty years, I have never had one late notice or any negatives on my report. The total amount is : {$2400.00}
Consumer complaint received 2019-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have tried contacting Transunion and all of the places listed on my report to get the hard inquires removed. I am aware that there was a server breach during these dates and the hard inquires were removed for a time and then put back on. I also am aware under section 6-11of the fair credit reporting act that the consumer is required to be notified within 5 days and I was not. The following hard inquires continue to remain on my credit report : XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX XXXX ; XXXXXXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX
Consumer complaint received 2019-05-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

XXXX XXXX, 2009 Wells Fargo filed a FRAUDULENT FORECLOSURE COMPLAINT : Wells Fargo and its attorneys XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Wells Fargo acquired my personal information via committing identity theft Wells Fargo took my personal information and fabricated a foreclosure package. Fraudulent at the time of filing this foreclosure complaint # XXXX. 
Wells Fargo claimed to be the owner and holder of the Note and Mortgage which they never had the assignment or Mortgage nor Note they where not the original lender nor was the mortgage transferred or sold to Wells Fargo from the true original lender. XXXX XXXX came to court to inform the Judge he has never had any contractual obligation to Wells Fargo seven months from filing the case Well Fargo did not produce proper documents to the court. The court wanted proof of an assignment since Wells Fargo was not the original lender they never produced the proper documents to prove their standing to foreclose. After XXXX XXXX, 2009 ... see order clearly shows that Wells Fargo was not the original holder of the note or Mortgage. Two days after on XX/XX/2009 Wells Fargo attorneys filed FRAUDULENT assignment ... .PLEASE SEE EXHIBIT A-2 See fraudulent assignment of Mortgage that was recorded XXXX-09 this was filed seven months after the fraudulent foreclosure complaint was filed notice The assignment has no LOAN NUMBER therefore its invalid. The assignment of Mortgage was never presented to the court but it was recorded with the recorder of deeds office. In order to conceal the Fraud Wells Fargo filed a motion for substitution of Judge from CALENDAR 53 TO CALENDAR 64 this was done without submitting the previous order from the original judge from calendar 53 this was done in order to conceal fraudulent foreclosure. 

IN CLOSING : This foreclosure was filed by stealing and acquiring my personal information to fabricate a fraudulent foreclosure package to deceive the court therefore commiting fraud upon the court. The Note sent via email and certified mail in this instance constitutes mail fraud in a continuous scheme to steal property under code # 18 U.S.C.1341
Consumer complaint received 2019-02-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (GA)

XXXX XXXX XXXX re-aged their collection account to adversely affect my credit. My last bill with XXXX was XX/XX/XXXX, but it is being reported to XXXX as placed for collections on XX/XX/XXXX. This was reporting correctly until about XX/XX/XXXX when the " Placed for Collection '' date changed to the incorrect date. This dropped my credit score 29 points for no reason at all.
Consumer complaint received 2019-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I consolidated my debt ( not bankruptcy but it was the closest choice ). At the time my bank was Santander. I had a checking account, a savings account, a {$5000.00} line of credit and a credit card. I did not owe anything on the line of credit, which is on my credit report back in XXXX, whatever I owed was paid. In XXXX of XXXX I consolidated all of my debt including the Santander credit card ( {$7200.00} ), this card was settled in my consolidated debt for {$1800.00} Ever since I this was settled XX/XX/XXXX they have given this debt to collection agencies trying to collect on this settled debt. Even in the same year it was settled for {$1800.00} XX/XX/XXXX. So on my credit report it shows this same debt as a in collection/charge off in XXXX & XXXX. These collection agencies keep calling me trying to collect this settled debt that has been taken care of, its accruing interest. It is effecting my credit and my ability to purchase a house, they have turned the interest in to the IRS and {$1000.00} has been taken from my refund for 2 years in a row because of this bank. I have arrachedthe letter closing my line of credit with a {$0.00} balance with the business card the lady at the bank attached to the letter just in case there were questions, I have attached exhibit A, Schedule of Creditors Debt, I have attached the debt settlement letter from XXXX and I have attached a collection letter, I periodically receive letters but every day Im getting phone calls continuously trying to collect a debt that has been settled. I am seriously upset and I need your help please.
Consumer complaint received 2019-05-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (NC)

On XX/XX/2019 I made a {$400.00} cash deposit into my Suntrust checking account on XX/XX/2019 my account was frozen and scheduled to be closed. The last transaction on the account was a withdrawal of {$140.00} at the branch on XX/XX/2019. I contacted Suntrust I was advised that my account would be closed 5 business days after the last transaction posted on the account. The withdrawal posted on XX/XX/2019 the account should have been closed on XX/XX/2019. My account has yet to be closed and Suntrust has yet to send my funds to me. They are keeping my funds when the account should have already been closed. Every time I speak with the internal department I am receiving conflicting information. They are robbing me of funds that are due to me and If I do not get the funds I will be seeking legal counsel it has been over 14 business days and I have yet to receive my funds from my account. This is highway robbery and ridiculous that it takes this long for my cash funds that I deposited to be sent to me.
Consumer complaint received 2019-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

The debt is related to cable company TV box, returned in New York in 2016, and mistakenly recorded as not paid. Have since resolved the issue with the cable company, but the debt was sold to a collection agency. Since then, have been receiving letters and phone calls about the debt. Now, the debt appeared on my credit report.
Consumer complaint received 2019-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (TX)

The bank has consistently harassed me by denying me credit because they claim they can not get my report. Although I have had over 14 inquiries on various reports. I have tried to call them, write them and ask for management. 

When I tried to reach out to the bank today, I get a recording on any line I call from my line that states I am not authorized to contact them. I will enclosed a copy of the dialing and recording for your records. 

Since I have had other credit products in the past with them, is not allowing me to access those account for any maintenance, payments or changes. 

I will enclosed copies of some of the material, it is a large amount of material so therefore if you want all of it or additional information, I can send it via mail or courier. 

You will find a copy of an email from each card from the bank, verification the freeze is removed and the letter from the credit or stating the freeze is on the report.
Consumer complaint received 2019-05-19
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: FirstPoint Collection Resources (NC)

I have no idea who this is or even how to contact and can not find away to dispute this because it is not on my credit report! I have been trying hard to correct and get my credit on track and this shows up! 

Alert Date : XX/XX/2019 Source : XXXX Company : Firstpoint Coll.Resources Inc.

Activity : Unpaid Balance : {$400.00} I have not even seen this in the mail? 

Please help!
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NC)

National Collegiate Trust or NCT is reporting inaccurate and inconsistent information to XXXX and XXXX. This includes different payment history on the respcitive bureaus and wildly inaccurate and incossitemnt key filed like date of first deliquncy, account status etc. I have sent documentation to get the information corrected to no avail. Therefore I am filing a dispute with the CFPB to have them delete the entire tradeline from my XXXX and XXXX credit files.
Consumer complaint received 2019-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: URS Holding, LLC (IL)

Hello, I received a notice of collection from Alltran Financial , LP / XXXX   XXXX on the date of XX/XX/2019. Im informing to all parties involved this account was a result of identify theft. This account has already been reviewed and removed by the original creditor XXXX XXXX XXXX. The account also has been removed by XXXX XXXX. XXXX XXXX is in direct violation of the FCRA for attempting and also passing off a debt to another company and they are fully awhere this account is a result of fraud. If XXXX XXXX attempts to contact me again in any form email, phone, mail. I will pursue all legal options against them and all parties involved. I also will be reporting this violation to the CFPB again. Thank you have a nice day.
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

I have been trying since XX/XX/XXXX to purchase a home and have had my credit pulled several times but the Equifax does not provide my report to the Morgage brokers ( 2 different companies. I have tried over 53 times to correct the issue to no avail. Lenders receive error message of some type of fraudulent inquiry and they have not been able to pull my credit from Equifax this is holding me up. I have called on : 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/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,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,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX ,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX
Consumer complaint received 2019-05-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

In XXXX of XXXX I took a rent check in the amount of {$4000.00} to my renters bank ( Bank of America in XXXX. XXXX, XXXX XXXX, Washington ). The renter had been given notice to Pay or Vacate and was going to be evicted. The teller cashed the check and gave me {$4000.00} cash. Done deal - cash in hand. This allowed my tenant to stay and evade eviction at that time. 
On XX/XX/XXXX, after almost FIVE months, without my permission and without any notice, BOA took everything from my personal checking account, ( {$3700.00} ). I was even charged a monthly service fee because my balance dropped below {$1000.00}. 
If they had not cashed the check, my tenant would have been evicted in XXXX, but I had to begin the eviction process again and he was evicted in XX/XX/XXXX. 
I could have dealt with this if BOA had notified me in a reasonable amount of time, but I can do NOTHING after 5 months. At this late date, I have no way to get it back.
Consumer complaint received 2019-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I have tried ordering my free annual credit report from XXXX for all of three credit rating agencies of USA on XX/XX/XXXX via XXXX Post registered post tracking number : XXXX using annual credit report request form to the specified address for XXXX, XXXX. I have NOT heard till date. Upon calling annual credit report agency XXXX today ( XX/XX/XXXX ) I have faced similar problem that due to international address I could NOT order the report in right manner for a sure delivery in XXXX. I understand that it is highly unlikely report will be mailed outside USA but it will be okay for me to get an electronic copy emailed to my personal email address : XXXX as a pdf document with specified password for secure transfer and access. I was helped to follow this procedure by customer service representative on XXXX. I have TO ORDER this report as I am maintaining lawful US tax resident status and critical personal financial investments to safeguard to best of my means. So this is the best and only way used highly sparingly. Kindly oblige immediately and provide me my credit report from all three agencies. Sincere thanks in anticipation - XXXX XXXX XXXX ( First Middle Last name )
Consumer complaint received 2024-11-02
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. (MS)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly reported request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The car was reported a total loss by the insurance company. Monthly payments were made on time. The insurance company paid off estimated value, we paid the difference as we didn't have GAP insurance. 
Credit Agencies are showing that there was a 30 day late payment, which has dropped my FICO score 15-17 points. No payments were late.
Consumer complaint received 2019-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (TX)

This company which I believe is a third party is trying to make me pay a debt that is not mine. How they got my name or social security number is beyond me but at this point I do not trust this company and would like to solve this in a court of law under oath where this 3rd party can present signatures, DNA, pictures or something to show who started this debt to clear my name. Court is the only safe option. As professional thieves this crooked company are they ask for information that can not be obtained. If I can show two things its not good enough because they want 4 or five its a bullying tactic that they knew is impossible not only that I do not trust these crooks at this point with anything.