davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

My second mortgage, presently being serviced by SLS, is only in the name of my late husband, who died in XX/XX/XXXX. However, I signed the note, am on the deed, and have been making payments. I have been requesting a payoff for almost a month, since I have some life insurance proceeds to pay off this second mortgage. Today ( XX/XX/XXXX ), I spoke to a representative, who confirmed that I have provided them with my husband 's death certificate, letters testamentary from the county surrogate, and a copy of the deed evidencing my interest in the property, which is all that they need to change over the account into my name. However, he then told me that the company, by law, has until XX/XX/XXXX to change the account into my name, and issue a payoff and that I should wait until then to pay it off. I am a lawyer who practices in the real estate/estate administration field and have never heard of this. Is there anything that I can do to force them to issue a payoff sooner? I am concerned about just sending them an approximate amount, and worried about how long it may take for them to issue a discharge of the mortgage. Thank you.
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

This is a complaint about Experian blocking access by consumers. I spent 45 minutes on XX/XX/XXXX calling 6 different # 's to ask for a temporary lift of my credit freeze. At no time was I able to reach a person-only frustrating telephone trees which did not help me. Even the person who was trying to check my credit could not reach a person ; the number I obtained to lift the freeze could not be used by the lender, so it required phone contact by me to Experian to lift the freeze Finally on XX/XX/XXXX, in desperation, I selected the " fraud '' tree, even though this was not my issue & got through to someone who was very apologetic & promised to relay my complaint to management after helping me. I have a feeling they get this complaint a lot. 
I believe they are intentionally blocking consumer access. Although this is probably the least serious problem you hear about, it's still treating consumers like trash. 
I'm hoping you can do something about this. 
Thanks for being there. I hope the agency can survive the Republican attempts to destroy.
Consumer complaint received 2018-06-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In the year XXXX I had a problem with Bank of America after they spent several months processing the short sale of my home and telling me it was all set to close in the next month, then they told me they had in fact been processing the whole thing in the wrong department. I was not late on my mortgage ever. However, due to them causing a delay, my buyer backed out and we had to wait several more months to sell our home at short sale. At that point I could no longer continue to pay the mortgage since we had moved from XXXX to XXXX. I had the Attorney General office in XXXX involved. Bank of America said that they would report my credit as " sold for less than full amount '' but NOT show any late payments on the account since they had caused the problem. Then, in XXXX, when trying to purchase a new home, I discovered that they were reporting some late payments, which were from XXXX to XX/XX/XXXX. I contacted them and they sent me back a letter dated XX/XX/XXXX stating that they were notifying the 3 major credit bureaus to update my credit report to " not rated for the period of XX/XX/XXXX to to XX/XX/XXXX ''. Then, in XXXX, when checking my credit report on a random basis, I found that Bank of America once again had my credit report showing " 120 days late ''. I contacted them again and they sent a letter, dated XX/XX/XXXX, that they submitted the corrections to all 3 credit bureaus to remove the comment about 120 days late. 
I found out in XXXX of this year that this was back on my credit report again. I notified all three credit bureaus and sent a copy of the letter from XX/XX/XXXX. XXXX and XXXX promptly corrected the report. I checked my spouses and none of his have this on there, even though he was a co-signer. I have tried to get this corrected with XXXX for the past month and each time they investigate they state that they verified it with Bank of America. I have provided XXXX with the letter of XXXX and today I sent them another request to investigate this and sent a copy of both letters from Bank of America. Last week on XX/XX/XXXX I also contacted Bank of America. This entire credit line is due to come off my credit in one more year. However, I would like it to be corrected and to stay that way for the remainder of time it is on there. This makes a total of 3 times that I have found it wrong on my credit report.
Consumer complaint received 2018-06-22
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. (SC)

Refuses to remove public record inaccuracy sent letter to the court they have informed me that they have not verified any public record with this agency. They have not provided me the method they used to verify this debt and refuses to remove it or validated that I have filed bankruptcy
Consumer complaint received 2018-06-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I am a XXXX in XXXX XXXX XXXX University and I opened an account in Chase last year in XXXX to save my tuition and other expense. During XX/XX/XXXX, my money in saving account was transferred out by fraud until XXXX. I was in XXXX and busy with taking care of my baby during that time, and I was thinking the bank is safe so I did not notice that. Around 100,000 was stolen during this period. When I went back to US and found this, I went to chase immediately. They only helped with 4 earliest transactions at the beginning. They did not help with others and asked me to contact the banks who got my money transferred in. I contacted those banks, but they said they only talk to chase. I even went to XXXX XXXX, their banker there told me this is rediculous for a bank to ask the customer to contact other bank for disput. So I went to chase branch again and again, their banker helped me to claim the other transactions and said they will take care of it. I actully went to chase branch for a lot of times and filed out useless form for a lot of times. They first said I will get an answer on XX/XX/XXXX, but I did not get any reply on XX/XX/XXXX. I contacted my banker called XXXX XXXX for what's going on, she told me their department already closed my case and they did not do anything. Even everytime I went to branch, they claimed my case and make sure they will take care of it. But when I got back home and called for claim department, they always use 60 days rule for the excuse. Looks like the banker in the branch is pretending to make claim and the claim department was not doing anything. They always use 60 day rules even though they know my special situation. The claim department never deal with it and closed it very earlier.
Consumer complaint received 2018-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (VA)

I have a loan with NAVY FEDERAL CREDIT UNION. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVY FEDERAL CREDIT UNION with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2017.
Consumer complaint received 2018-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

Rushmore Loan Management Services began servicing my loan in XX/XX/2017. Since, this company is charging me over {$6000.00} ... for what they are calling " Corporate Fees ''!?? Also, {$1900.00} in " bogus '' late fees. They refused to accept my mortgage payments after alleging that my mortgage loan was in arrears two months.

I've unsuccessfully tried to correct my account for one year now and all I get is the run around. 

This company should be investigated by the proper banking agency for their fraudulent business practices & they shouldn't be allowed to do any business. 

Their business license should be revoked indefinitely.
Consumer complaint received 2018-06-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Firstsource Business Process Services, LLC (CA)

XXXX XXXX, XXXX has contacted me multiple times attempting to collect an alleged debt. I have demanded that XXXX XXXX XXXX provide the complete account number of the alleged debt, the name and address of the alleged creditor, and verification that XXXX XXXX XXXX is authorized to act in loco creditore. XXXX XXXX, XXXX has failed to provide all of the information I requested.
Consumer complaint received 2018-06-22
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: CITIBANK, N.A. (PA)

In XX/XX/XXXX I contacted the XXXX Credit Bureau after I noticed a XXXX XXXX XXXX # XXXX credit card on my report. This credit card was opened on XX/XX/XXXX but only appeared on my XXXX report on XX/XX/XXXX. I told them that this is NOT my credit card and that I never owned a XXXX credit card. They said they would investigate and sent me their investigation report of XX/XX/XXXX ( File Number : XXXX ) which stated that they verified as accurate that this was my credit card. 
I contacted Citibank on XX/XX/XXXX ( spoke to XXXX ) and they verified that this was not my credit card ... the mailing address, middle name, checking account # and date of birth was different from mine but my social security number was associated with that account. They told me it was a " automatic system issue '' problem and they would take care of it. I contacted Citibank on XX/XX/XXXX with no resolution in sight. This credit card still appears on my credit report.
Consumer complaint received 2024-10-22
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. (OR)

I am writing regarding unauthorized accounts on my consumer report that are linked to identity theft. These accounts were added without my written authorization or wet signature. Despite my previous communication with your organization, these fraudulent items remain on my report. 

The continued presence of these unauthorized accounts has caused me significant emotional and financial distress. These items inaccurately represent my credit history and have severely impacted my ability to achieve critical financial goals, including purchasing a home and meeting my family 's financial needs.
Consumer complaint received 2018-06-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

I broke my lease 4 months early on XX/XX/XXXX due to medical issues. I did advise the rental community of this decision and was aware that I would have to pay a buyout fee. I was then billed by Fair Collections and Outsourcing for a balance signifanctly higher then I was originally quoted. I received a notice advising me that I owed a balance of XXXX to satisfy the delinquency. Upon receiving copies of the rental agreement ( requested by mail ) I found a host of errors which caused the balance to be inflated. I left the residence XX/XX/XXXX,  however I was still being charged for XX/XX/XXXX rent. I also saw a bill for the a/c stat damage. This was already an ongoing issue prior to me moving in and I informed leasing office of this. Lastly I noticed I was being charged for a washer and dryer that I never owned. Nowhere in my lease does it state I was going to be charged {$49.00} for something I never had. I spoke with a representative and requested a copy of my lease which indicated that was something in the contract. I have yet to receive it to this day.
Consumer complaint received 2018-06-22
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of Harris & Zide (CA)

Someone calling him/herself " XXXX XXXX '' has contacted me multiple times attempting to collect an alleged debt. I asked " XXXX '' several times to provide the account number, the name and address of the alleged creditor, and verification that " XXXX '' is authorized to act in loco creditore. In addition, the website for " XXXX '' does not function. XXXX has refused to provide all of the information I requested.
Consumer complaint received 2018-06-22
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Credit Card Company : Capital One Date of Transaction : XX/XX/XXXX Name of Merchant : XXXX XXXX XXXX Amount : {$3600.00} I didn't make any purchase from XXXX XXXX XXXX and didn't take into possession any goods or product related to this transaction of {$3600.00}. I only ordered 2 mattress toppers from the merchant name of XXXX while I travelled in XXXX on XX/XX/XXXX and the original scheduled shipment was on XX/XX/XXXX but I canceled the order on XX/XX/XXXX and reported to Capital One to stop the payment on the same date. I also talked to the sale lady to confirm my cancellation on XX/XX/XXXX. As I called the merchant to cancel my order prior to the shipment date, I assumed the matter had been resolved and I am not liable for this payment. As I can't provide the confirmation of my cancellation in writing, Capital One required me to pay for this amount now even though I didn't receive the product. This is very unfair to me that I canceled my order and informed Capital One to stop the payment on the same date of my purchase.
Consumer complaint received 2018-06-22
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: N.A.R., Inc. (TX)

A deceased family member used my identity to obtain credit and i advice them i had nothing to do with it nor gain access, so they told me they hear a female on the phone so they assumed it was me trying to get out of debt, this is not my account and reporting negative on my credit
Consumer complaint received 2018-06-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (NY)

This debt was paid in full in XX/XX/2017, for about {$220.00}. I verbally asked over the phone before settling this debt that in exchange for my payment, they delete this account which was ( and still is ) negatively reporting on my credit. I held up my end of the agreement and paid, but they did not hold up their end of the agreement. They are still reporting negatively on my credit report under collections, as account settled. This is NOT what was agreed upon and they are holding me back from the benefits of having good credit. I have repeatedly contacted them via phone afterwards to dispute this, but after stating what my problem is each time I call, they then transfer me to another line, then the phone coincidentally gets disconnected. I paid this account and in return this was supposed to be deleted. They lied.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I signed up for a transunion account today thinking I was just signing up for an account the same way you sign up for XXXX XXXX and XXXX etc. After I registered and verified my identity, it took me to the dashboard but wouldn't show me a score. The dashboard area has a link that says " get the full picture ''. I clicked the link and it took me to a page for ordering " 3-bureau credit report and score ''. I closed out of the page because I realized it wasn't free so closed the page and I logged out of my account. I opened my email a short while later and see an email from transunion that I had been charged {$19.00} for TransUnion Report, Score, and 3-Bureau Credit Monitoring and that it will be a monthly charge until I cancel. I was very surprised by this so I XXXX how to cancel and followed the steps to cancel the subscription. However, I on the cancelation page it showed I have already been charged a one-month subscription fee from XX/XX/XXXX to XX/XX/2018 and I don't even understand why. I didn't actually place any order on the " get full picture '' page, I closed out of the page completely so I don't even understand what I was charged for? Do you get charged simply for registering and creating an account? There was no indication during registration that I would be charged. When I was asked to enter credit card information on the sign up page, I assumed it was part of ID verification. I am thoroughly confused right now and would like a refund of the {$19.00} I have been charged.
Consumer complaint received 2018-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

My lease with the apartment complex XXXX XXXX ended on XX/XX/XXXX. I received a final statement through email and regular mail. It said I had 10 days from notice to pay the amount of {$170.00}. Which I went in and paid on XX/XX/XXXX. I have a money order receipt signed by them stating that I was paying my final statement in full. But now it has come to my attention that I have an account in collections that is demanding said amount when it has ready been paid for. Not to mention that upon further inspection i have realized that i was over charged. The bill stated that my lease ended on XX/XX/XXXX which let them charge me extra for staying until XX/XX/XXXX. Which is not accurate given I signed a 13month lease concluding on XX/XX/XXXX. It also stated that my reason for moving out was " money problems ''. In the whole 13months I lived there I missed paying on time once and that was a time mismanagement on my part. I did informed them when they asked what my rent would be at the new complex, that it would be about {$300.00} cheaper. I don't believe that wanting to save money is a reason to be considered as someone who has " money problems ''.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

There are incorrect addresses and names on my credit report. 
There is a name of XXXX XXXX on my report - I do not know a XXXX XXXX. 
There are addresses on my credit report that I have never lived or resided. 

I have formally requested my address and name be updated on my report and I received a copy of my XXXX  and Equifax with the information unchanged. 

XXXX  has updated my information with my correct name, employer and address.
Consumer complaint received 2018-06-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2013 I was having problems with mortgage payments to Bank of America who had recently purchased my mortgage from COUNTRYWIDE. A letter was sent to me with a statement " Amount of DEBT DISCHARGED " in the amount of {$50000.00}. At around that time I had talked to an attorney who suggested that I filed bankruptcy, I had agreed and went with him to Bankruptcy Court to file the papers. While at the court I changed my mind and did not want to continue filing. My attorney agreed with me and I left without filing the papers.

My mortgage statements for the past year has been showing Non-interest bearing principal balance {$50000.00} every month.This amount is added to my Principal monthly. I have a copy of the letter showing DEBT DISCHARGE. I am also told that a Bankruptcy is s Please hown on my files with B of A. Please investigate this matter.
Consumer complaint received 2018-06-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/XXXX, I spoke with XXXX at XXXX in regards to an incorrect debt from XXXX XXXX. I explained to her that I went to XXXX and they advised me they have no debt for me from XX/XX/XXXX as she had stated. I asked her to send me a copy of the billing information and she stated they do not have a bill, but they only had the amount and date that was sent over by XXXX. I informed her that I spoke with XXXX several times and received a print out of an account that I had which was closed in XX/XX/XXXX. I asked her again for the copy of the bill and she stated she could not send me one because they do not have one. 

XX/XX/XXXX, I mailed them a certified letter requesting validation of debt. They replied with a letter stating this was a frivolous request. The letter did not come from XXXX but a company called Resurgent. They sent me the exact same debt collection letter XXXX sent me, just on a different letter head. I have disputed this with the credit bureaus as well and they report the debt has been verified, but it had not been verified to me. XXXX could not produce proof of the debt and their representative, XXXX, verbally stated it as well. She would not provide her last name to me or an extension number. She stated I am the only XXXX in this office. 

In addition, in XX/XX/XXXX I lived on property as a site manager. I did not have the need for any of these types of services as they were provided by the company.
Consumer complaint received 2018-06-22
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)

There is incorrect information on my credit report from a company called XXXX XXXX. It is showing me as having been 30 days late. I dispute this, AND the company disputes it. I even have a letter from the company certifying that I was not late on this payment, but multiple dispute attempts leave it on my credit report. It only shows up on Experian as late. The company at fault appears to be Experian and not XXXX