davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-30
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc. (OH)

According to XXXX XXXX. Goodbye letter attached to complaint XXXX, XXXX was servicing the loan and reporting to credit bureaus on behalf of XXXX from XX/XX/XXXX - XX/XX/XXXX. 

XXXX also mentions I would receive a new account number from XXXX  XXXX in the Welcome letter. 

For 2 years, I have not been able to pay the student loan. XXXX has not had my account as XXXX claims. This loan has consistently reported unpaid every month without my ability to pay XXXX or XXXX. 

XXXX, PLEASE PROVIDE THE WELCOME LETTER AND NEW ACCOUNT NUMBER FROM XXXX THAT XXXX SAID YOU WOULD SEND. ( See Goodbye letter from XXXX attached ) THIS WILL HELP ME TO SEE HOW THE CREDIT BUREAUS RECEIVED DEROGATORY INFORMATION MONTHLY FROM XXXX UNTIL NOW. 

XXXX, provide a statement or account history of my account that you serviced from XXXX.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On  XXXX   XXXX .   XXXX   Transunion received and signed for, my  1st  letter disputing inaccurate reporting of a state tax lien on my credit report. They sent me a letter saying my request was ineligible ( stall tactic  )  On  XXXX   XXXX ,   XXXX   Transunion received my  2nd  letter, again disputing innaccurate reporting of said tax lien. I have received no response in regard to the tax lien. As of this typing,  XXXX , the tax lien is still appearing on my Transunion credit report.     They have removed public records, but, the state tax lien was not removed.
Consumer complaint received 2018-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (NY)

I was involved in a malicious wounding crime in XX/XX/XXXX that resulted in numerous medical bills. The judge ordered all medical bills to be paid by the guilty party. The bills were being charged to the victims protection fund at the time and being paid by them and then ultimately charged back to the guilty party. This bill was charged to me and was still paid by the victims protection fund, but sent to collections in XX/XX/XXXX and still shows on the collections portion of my credit report. This debt was not mine and was still paid. It should have never been sent to collections and should have never been assigned to me by law.
Consumer complaint received 2018-10-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (OH)

THIS IS NOT A DUPLICATE REQUEST : I did not receive notification from Diversified Consultants of this debt. The notifications attached to claim XXXX were old bills from XXXX, the final bill from XXXX, and the document I requested from Diversified Consultants on XX/XX/2018. 

THIS IS NOT A DUPLICATE REQUEST : PROVIDE NOTIFICATION FROM DIVERSIFIED CONSULTANTS OF THIS DEBT PRIOR TO REPORTING DEROGATORY ACCOUNT INFORMATION TO THE CREDIT BUREAUS ON XX/XX/2018 AS REQUIRED BY THE FAIR CREDIT REPORTING ACT. This debt hit my credit reports on XX/XX/2018 ; so notification should be dated between XX/XX/2018 - XX/XX/2018! 

Diversified Consultants has NOT provided notification documentation prior to reporting derogatory information to the credit bureaus on XX/XX/2018.
Consumer complaint received 2018-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paramount Recovery Systems, L.P. (GA)

XXXX has been non-compliant with removing the unverified account PARAMOUNT RECOVERY SYSTEMS which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that PARAMOUNT RECOVERY SYSTEMS was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-03-29
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I deposited 3 USPS Money Orders to Capital One Bank. The total was XXXX. One USPS Money order for {$500.00}, and two for {$1000.00} each. On XX/XX/XXXX I recieved a charge back for {$1000.00} and the bank says that one of the money orders was counterfiet. I verified the serial numbers by calling USPS and they confirmed the serial numbers were in the system for the correct amounts. When I deposited my 3 money orders I verified the hologram and the security markings on the money order before depositing. The bank is refusing to acknowledge that they made a mistake and classifying my money order as counterfiet and is refusing to provide me with the original money order for {$1000.00}. Instead the bank gives me a legal photo copy of the money order with the words COUNTERFIET written on it. They are refusing to look into the matter further and are unwilling to fix their mistake. I know the money order was real. They wont disclose why they think the money order is counterfiet are not unwilling to help with the matter. I have tried talking to serveral supervisors in customer service as well as the legal team and no one can explain to me how the money order was flagged as counterfiet. I am out XXXX due to this mistake on their end and they are not working with me to correct it.
Consumer complaint received 2018-08-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Consultants of California (CA)

This is in regards to the company response on my case. 
The number that was provided is a scam. I have called numerous times during normal business hours and left a couple of voicemails with no call back or response. This is just a voicemail line with someone named XXXX XXXX. They make it literally impossible since there is only one person they claim to handle disputes. but is never available, no one ever picks up the phone or call back. Its just a voicemail line and they claim they will call back but they never do.
Consumer complaint received 2018-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TN)

I received correspondence from Rushmore mortgage dated XX/XX/XXXX in regards to a modification agreement they want me to sign, that was dated for XX/XX/XXXX.

My loan servicer changed to Rushmore XX/XX/XXXX during my modification trial period. Rushmore refused to honor the modification trial period that was completed though my old servicer XXXX XXXX XXXX they set my home for a property foreclosure sale. I recently received these modification documents dated for XX/XX/XXXX of which is out of date. I have not signed them because it will reflect I defaulted on the modification agreement of which I did not.
Consumer complaint received 2018-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (NY)

I was involved in a malicious wounding crime in XX/XX/XXXX that resulted in numerous medical bills. The judge ordered all medical bills to be paid by the guilty party. The bills were being charged to the victims protection fund at the time and being paid by them and then ultimately charged back to the guilty party. This bill was charged to me and was still paid by the victims protection fund, but sent to collections inXX/XX/XXXX and still shows on the collections portion of my credit report. This debt was not mine and was still paid. It should have never been sent to collections and should have never been assigned to me by law.
Consumer complaint received 2018-10-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

Submitted an Appeal for the Denial of my request for Mortgage Modification. I have sent in all requested documentation prior to any deadlines on several occasions in a timely manner.This documentation was submitted in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, which we discussed in XX/XX/XXXX. 
Once the request for Modification was submitted in XX/XX/2018, XX/XX/2018 and then Ocwen requested additional information in XX/XX/2018, at that point I resubmitted the information as well as another copy of the modification request. The documents listed below were attached. 
Medicare Award Letter {$1000.00} and listed, Medical monthly deductible {$130.00}. Bank statements showing Medicare returning his deductible because he has MediCal as secondary medical insurance. 
I provided all Bank Statements, in a timely manner. 
I attempted to make payments online and the payments were not accepted. According to my records ( which I received from Ocwen Payment Center ), I have not been late on any of his mortgage payments in the past years. 
Since modification documents were not reviewed or completed in a timely manner, the Mortgage Servicer, XXXX XXXX, Trustee Sale Assistant and Contract Management Coordinator at ( XXXX XXXX, XXXX. ( Civ.Code:2923.5 ) failed to contact me, regarding any financial options regarding his mortgage payments or the unauthorized lien payment that Ocwen paid. No initial contact was ever made. 

My father is a XXXX  Veteran with major health concerns that have kept him XXXX XXXX  XXXX XXXX. He is in need of keeping his home as this is his only place to live. He needs care that is supplied by me and Caregivers. 
To file foreclosure is so wrong on many levels of decencies and respectability to a XXXX Vet and/or any person that is able to pay on time. Ocwen, Relationship Manager has cause great harm to us by not accurently reviewing the mortgage modification documents in a timely manner then denying modification. 
We never knew XXXX XXXX, XXXX existed till received certified documents XX/XX/XXXX to addressee. 

In light of these facts, I request that you reconsider your decision about the Notice of Default for this order is invalid and should be rescinded and modification be re-reviewed for reduction. 

I greatly appreciate you taking the time to read this and the attached document. I am happy to talk or email with you at any time to discuss this further so this matter can be resolved. 

Respectfully, Request 1. Explanation to all additional/extra dollars/fees that Ocwen attached to the loan that were never stated orally or in writing be explained, and subtracted from Ocwen ( Debt Collector ) and Lender ( XXXX XXXX, XXXX c/o XXXX XXXX XXXX XXXX XXXX ) loan Docs.
Consumer complaint received 2018-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (LA)

American honda finance is reporting wrong information to all three credit reporting bureau 's. Honda financial is reporting a balance of {$2400.00} on the account. It is showing the original charge off amount is {$5300.00}. The last payment honda received was {$200.00}. If the amount of the charge off is XXXX and the balance is now XXXX the last payment should be more. It is also showing on the credit report the last payment was received in XX/XX/2014. On the credit report It shows no data for the payment history of XXXX and XX/XX/2014. This whole tradeline is showing incorrect information that does not add up.
Consumer complaint received 2018-03-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (NJ)

I am trying my best to obtain a mortgage to move into a new home and some late payments are coming up on my report that are making it difficult to be approved. The mortgage this related to was my first property and first time being a landlord and I was really inexperienced with the damages that could be caused in the future in losing tenants, late payments, and the delays that can happen in trying to sell a property. 

Below are the months and dates that i would like to considered to be removed from my report Date : XX/XX/2017 Amount : {$1600.00} Actions taken by company : XXXX late payment reporting Was Amount Paid : Yes Reason for Lateness - loss of a tenant Date : XX/XX/2017 Amount : {$1600.00} Actions taken by company : XXXX late payment reporting Was Amount Paid : Yes Reason for Lateness - loss of a tenant Date : XX/XX/2017 Amount : {$1600.00} Actions taken by company : XXXX late payment reporting Was Amount Paid : Yes Reason for Lateness - Property sale closing was delayed past the agreed date with the buyer Date : XX/XX/2017 Amount : {$1600.00} Actions taken by company : XXXX late payment reporting Was Amount Paid : Yes Reason for Lateness - Property sale closing was delayed past the agreed date with the buyer Thank you!
Consumer complaint received 2018-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

This company ( I C SYSTEM INC Account XXXX ) is stating that I owe XXXX XXXX XXXX. 
I never had an account with XXXX XXXX XXXX. 
I have disputed this item before and had it taken off my credit report once. 
This is the second time they have submitted that I owe them. 
My attempt to reach out to the company failed they did not answer the phone. ( XXXX ) I have disputed with XXXX  and this time they have verified this as accurate so it is still showing on my credit. 

I dont understand if this was disputed before and taken off how can they ( I C SYSTEM INC Account XXXX ) put it back on my credit. I fell this is harassment. 
Please advise
Consumer complaint received 2018-08-26
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. (TX)

I paid off this account few days back and I added my payment account and told them to use it as recursive payment. They charged annyal fee of XXXX $ which i dont know since i paid my whole balance.once they called me and said. I need to pay XXXX $ and it is past due. 
I told them you already have my account information to Autopay why did you called me they asked some details I gave them, Then they paid off the balance. Suddenly on my trans union report it says. I missed the payment after few days of payment which reduced my payment history.
Consumer complaint received 2018-08-26
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: Continental Finance Company, LLC (IL)

XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX/conti all was ask to remove inquiries. Called multiple times a day.
Consumer complaint received 2018-08-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (SC)

In 2007 my husband and I took out a loan from Beneficial for {$10000.00}. This loan was not paid in full. Beneficial charged it off. Today, XXXX XXXX MY FATHER was contacted and was told they were going to put a lien on HIS property because he co-signed on this note. HE DID NOT CO-SIGN ON THIS NOTE. My husband did. This was from XXXX XXXX XXXX. Phone # was XXXX. They have upset my XXXX year old father and have made him feel like he was going to lose his property when he didnt even co-sign on this note to start with. They evidently looked up his background and saw he had perfect credit and land.
Consumer complaint received 2018-08-26
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. (TX)

We have a mortgage with XXXX XXXX through XXXXXXXX XXXX in Texas. One year ago XX/XX/XXXX Hurricane Harvey hit our area and we were approached by XXXXXXXX XXXX regarding a Forbearance Plan that would defer our payments for 3 months. We agreed to participate in the Forbearance Plan offered by our mortgage company. The date of the plan were from XX/XX/XXXX until XX/XX/XXXX and payments were to resume on XX/XX/XXXX. We started payment as per the agreement in XX/XX/XXXX. In addition, The forbearance letter clearly states that XXXXXXXX XXXX will not report the delinquency states or the entry into a Forbearance Plan to credit reporting agencies. At the end of the Forbearance we were told that the payment for XX/XX/XXXX really went to pay XX/XX/XXXX and then XX/XX/XXXX was to pay XX/XX/XXXX. 

We decided that we would just rather pay the full three months so we would not re-negotiate the loan as XXXXXXXX XXXX was requesting. We caught up the payments and made regular monthly payments. We also send them a check that they never cashed after 30 days and our bank advised we should cancel the check for our protection. Per XXXXXXXX XXXX  the check was later found in a lock box that XXXX XXXX failed to check their own mail for 30 days. We feel XXXXXXXX XXXX has failed to properly service our loan and duped us into the current situation. In short, setting us up for failure. 

We have documentation in our Loan Payment History from XXXX and will share with your company. Despite our efforts to abide and pay our mortgage, XXXX XXXX has reported me with a 60 day delinquency on my credit report. I have sent a request for XXXXXXXX XXXX to fix the 60 day delinquency problem and submitted my credit report to them as they requested. I have been waiting for over 20 days to have this issue resolved. I have also reported the error to three credit bureaus and made an official online dispute. I feel that XXXX XXXX has failed me and my family in the servicing of our mortgage loan. In addition, feel they are also taking advantage of customers who signed up for the Forbearance Plan. We are currently tying to purchase another home and the loan department told me about the delinquency. We were never informed by XXXX XXXX that were were being reported to a credit agency.
Consumer complaint received 2018-08-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (PA)

Reviewed my credit report and Credence Resource Management placed negative item on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Credence Resource Management should remove incorrect information off my credit report. More importantly, Credence Resource Management are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from Credence Resource Management.
Consumer complaint received 2018-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

XXXX has been non-compliant with removing the unverified account USAA FEDERAL SAVINGS which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that USAA FEDERAL SAVINGS was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-08-25
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: Experian Information Solutions Inc. (GA)

XXXX XXXX They were supposed to update credit bureaus as of XX/XX/XXXX info since my wifes been calling since XX/XX/XXXX as it is closed then open on both our credit reports and, I did threaten to sue them for the pain and suffering it has caused. It has been closed and opened since XX/XX/XXXX off and on. We originally told we would get a new acct number since we redid our loan. 

They are taking their time meanwhile harassing both of us by phone call after phone call. Spoke to a XXXX who claimed it to be XXXX at fault for reporting false information. That they submit information and, its up the credit bureaus to accurately report. 

My credit shows the account as being closed as she is the primary holder updated on XX/XX/XXXX on XXXX. The letter we received from Experian shows it was closed with no balance as of XXXX on XX/XX/XXXX.
Consumer complaint received 2018-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is a minor issue as this account is scheduled to fall off my report next year. XXXX XXXX   XXXX company no longer has a vested interest in this account as it has been charged off and sold to a collection agency. Im respectfully asking them to remove this closed account from the three credit reporting agencies.
Consumer complaint received 2018-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

So I opened a Chase XXXX Rewards Credit Card with high Available credit and had to spend {$5000.00} in 3 months to be able to get XXXX points for XXXX. So we took a vacation spent and spent about {$3500.00} on the first month than they just up and close the account the next month of the opening Credit Card. My Credit had no changes or any new derogatory marks beside actually going up a couple points. They said it was risk factors but the risk factors that they said proclaimed where there when I opened. Now I just spent XXXX dollars on a Credit Card to get rewards that I really did not need to do. I feel like it was some kind of bait and switched tactics and now my credit just to a hit Down 15 points because of them closing the account. Why on earth why they open an account and then just close it down the next month it makes no sense and since credit is so important these days I feel like they are just messing with people lives in this situation and needs to fix.
Consumer complaint received 2018-08-25
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. (PA)

transunion file # XXXX I was trying to verify bankruptcy on my credit report. Agency took to quickly to verify account. I challenge the verification method. After talking to the bankruptcy court listed they dont report records. I demand the correspondence ( paperwork ) received from the bankruptcy court. If no proof is given to me its hearsay. I demand to remove the bankruptcy if proper verification wasnt performed and thats something from the court. I have a letter handy that no transunion contacted them to verify anything in my name. Without proper papers from the court with my signature this remark will need to be removed per the fcra rules.