davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

Hi I have a Macy 's store card. from XXXX XXXX. I am always on time in making payments and always used to pay full amount i have owed. During XXXX XXXX i made some purchases and returned some. So i got bill but I forgot to pay the bill which is due by XXXX. In XXXX XXXX XXXX i went on vacation as I did n't have electronic statements enabled i did n't look at the bill. I have returned from my vacation and then while looking at the credit report on credit karma i have observed that there is payment due and i have made complete payment along with the fine and interest on XXXX XXXX XXXX tough it is reported to the credit agencies i thought that it will fade away over the period. 
Now i am looking to buy a house and observed that this is the only factor that is effecting my score. may be more than 40 points. I tried to check with macy 's if they can remove the -ve mark to which they did n't agree as they need to be truthful. Agreed what they are doing is right. But effecting the credit score for only 1 missed payment that too for 7 years even tough i have all the other things perfect. i felt it is not fair. 
I am writing this not to blame anyone. but to bring you to your notice that some things needs to be considered looking at the history. i paid fine and still being punished and for 7 years which is long period and i need to keep paying more mortgage interest as i have reduced score for other 7 years or more. To Error is human but what credit reporting scores are checking is that we should never make errors and it is like 1/2 life time punishment considering full life time punishment is 14 years. 
It will be helpful to guide me if you have observed any issues like me and you have resolved. if not i need to live with it for other 6 more years paying more for interest for 1 mistake ( not enabling E- statements so that i could have known before that i missed a payment )
Consumer complaint received 2017-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I attempted to open a credit card with XXXX XXXX in XX/XX/XXXX. When I did not receive my credit card in XX/XX/XXXX, I called them to ask why it had not been received. I was informed that someone had changed the name and address on the card and was using the card. I immediately told them that this was an act of fraud and it was not me. I was sent in circles for months filing complaints and filling out documents all simply saying that the credit card was never received and i never charged anything to the card. I continuously told them to cancel the card that by credit report was reflecting a delinquent account that was n't even me! They never closed the account, the account continues to accrue late fees, and they even sent me a credit card, sent to my correct address- WITH THE FRAUDULENT NAME in XX/XX/XXXX! My credit report has been getting hit since this whole process began, and they are absolutely impossible to work with. In XX/XX/XXXX, I was told to provide them with a police report and affidavit attesting to the fraud. I did all they requested, and received a response saying that the " investigation '' they conducted concluded that the account belongs to me. I call the company and am constantly rerouted and asked to provide additional documentation and fill out additional forms, and I have done so to no avail. I simply do n't know what else to do, I have never encountered such gross incompetence.
Consumer complaint received 2017-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My wife and I were looking to purchase a new home and submitted an application for pre-approval. When our Real Estate Agent advised me that I had some collections I needed to pay off, I was confused because I have never ever used my credit for anything ever. I have always paid cash for everything I have ever had or my wife puts everything in her name. I looked at the report and reviewed it and noticed that there were items that belong to my father, XXXX XXXX XXXX, reporting on my credit report. I submitted request on XX/XX/XXXX to XXXX, XXXX, and TransUnion to advise them that they were reporting my father 's credit collections on my credit report and asked them to remove them. All 3 credit bureaus indicated that they were completing an investigation. XXXX removed all of the items after their investigation, XXXX  removed only 2 of the 4 items, and TransUnion removed 2 of the 4 items as well. I am scratching my head as to why XXXX and TransUnion only removed 2 items and not all 4 because none of them belong to me. I sent in a written request to XXXX  and TransUnion on XX/XX/XXXX advising them again that they reporting was incorrect and violating my rights under the Fair Credit Reporting Act and also provided them with the finding of XXXX. I also requested that they send me copies of the information the claim to have received to verify that the collection items belonged to me because I knew that there was no investigation done that verified debts that do not belong to me as valid. They have stopped replying after my 2nd attempt.
Consumer complaint received 2017-10-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ResidentCollect, Inc. (TN)

NOTICE THAT UNDER FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g Sec. 809 ( b ) IT IS THE RESPONSIBILITY OF THE DEBT COLLECTOR TO PROPERLY VERIFY THE DEBT. YOU HAVE YET TO DO THAT AND ASSUMED WE OWE IT. UNDER FLORIDA STATUTE 83.595 IT STATES THAT THE LANDLORD HAS ONLY 5 OPTIONS. AND CHARGING ME FOR THE LEASE AND HAVING ANOTHER TENENT ARENT THE OPTION. I WILL NOT VERIFY ANY INFORMATION. IT IS MY SUGGESTION THAT YOU ALL DO A PROPER VERIFICATION WITH THE LANDLORD AND MAKE SURE TO VERIFY WHEN A NEW TENANT SIGNED A LEASE. UNTILL YOU CAN PROVIDE PROPER VERIFICATION YOU WILL REMOVE IT FROM MY CREDIT AND MY WIFES. 

This debt according to the placement on my credit report was from XXXX XXXX, my wife and I have never received notice. This was just placed on our reports on XXXX XXXX, XXXX. We have never had a chance to fight it. Tenant/Landlord laws in Florida state that a landlord has only 30 days after a tenant vacates the property to collect damages. Also I have personal proof that this property was rented back out immediately after the landlord refused to cure a 7 day notice. I can provide proof that the landlord allowed race to control a situation and that this debt in illegal under the law. The landlord showed up to the property without notice and told me that it was ok that we were leaving. This was witnessed by myself, my wife and my mother in law. This landlord will lose if this goes to court. You have taken on a debt that is unsubstantiated. F.S. 83.595 states that if the landlord relets the property the tenant is only responsible for the difference between when they breeched the lease and when the new tenant rented.
Consumer complaint received 2017-10-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect (FL)

After reviewing my credit reports from all three credit bureaus, XXXX, XXXX, and XXXX ... This collection account from AMERICOLLECT for the balance of {$450.00} was placed on my credit reports, and is reported twice on each of my credit reports without my authorization. I requested through certified mail to AMERICOLLECT copies of documentation that were used to verify the accuracy of these accounts. Under the Fair Credit Reporting Act 15 U.S.C. I have all the rights for this agency to disclose to me all the documentation that was recorded and retained in the files. I have not received no answer or anything in writing. I have been receiving harassing phone calls daily threatening to damage my reputation and credit worthiness, with these unverified accounts and distributing them to 3rd parties. These inquires add a hardship, and violates my legal rights and protections. Please help assist me with allowing this collection agency to stop victimizing me.
Consumer complaint received 2017-10-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

I leased a XXXX XXXX ES XXXX through XXXX XXXX in XXXX, VA in XXXX XXXX. In XXXX XXXX, my sales rep, XXXX, called me and asked me if I would like to turn my vehicle in early ( lease was up in XXXX XXXX for a new vehicle and told me that it would really help him out if I did. I told him that I would only do it under XXXX condition though and that was that they take care of my excess mileage that I had on the vehicle. He assured me that they would take care of it and that I would not be charged for it and kind of acted like that was what they did when you turned in your vehicle and leased a new XXXX. I did decide to go forward with the deal and lease a XXXX XXXX IS XXXX at the end of XXXX XXXX. Shortly after I received a letter in the mail saying that I owe {$1300.00} for excess mileage and I ignored it because I thought it was sent in error since my sales rep said the mileage would be taken care of by the dealership. I called XXXX XXXX multiple times for other issues and never once did they mention that I owed anything else related to the vehicle until this past summer when some lady said oh hey by the way, did you know that you owe for excess mileage on your old vehicle and obviously my response was, of course not! Immediately after she told me, I called my sales rep and he informed me that he no longer works for XXXX and to call XXXX. I left a message for XXXX at XXXX and he never returned my call. Then I called XXXX again because I needed my title number and told the gentleman ( ca n't recall his name right now ) that I tried to reach XXXX regarding this issue and that he never called me back. He said he would deliver the message and I told him to make sure that XXXX calls me after I return from XXXX in XXXX weeks. I never received a call back. Then I called XXXX XXXX, the XXXX XXXX XXXX, XXXX weeks ago and he said that when he pulled up the contract he saw nothing about the dealership taking care of the mileage. I explained to him that this is clearly a mistake and that I would n't be calling him a year later about it if it was n't because I would have already paid it. He said he would call XXXX and call me back but he never called me back. I just received a letter in the mail that my account has been sent to collections. I have tried to resolve this and no one is helping me ( clearly ) so I have resulted to this.
Consumer complaint received 2017-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

I have a mortgage that is serviced by RoundPoint Mortgage Servicing in XXXX, Tx. In XXXX of XXXX, due to health reasons, we filed a Chapter 13 Debtor Reorganization Plan. The Mortgage is paid outside of the plan. At that time, Roundpoint stopped sending us statements, escrow statements, or acknowledgement of payments received. 

I keep getting statements from XXXX XXXX and From FEMA regarding taxes and flood insurance. Roundpoint will not acknowledge the escrow balances and will not say whether they are paying the taxes and Flood Insurance. 

They claim they can not talk to us but our attorney and we authorized them to talk directly to us. Roundpoint now says they never received the authorization even though they told me before they had received it. We have no way of knowing when the payments are received and if they are being applied in a timely manner nor how they are being applied. 

I believe they are out of compliance by not sending us statements and advising us of amounts due. I do not know if they are applying the payments late and accumulating late charges in order to make our mortgage larger. 

Like I said, we signed a document stating that we would not hold them liable for speaking directly to us under the blanket order from the bankruptcy court. Our attorney agreed.
Consumer complaint received 2017-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX XXXX, I received an alert from my Chase Banking App saying I had a low balance alert. Upon reviewing the transaction history on my phone, I discovered an unauthorized transaction was made to empty out almost every thing from my account and was withdrawn from an ATM less than 5 miles away from my house. This withdrawal occurred at XXXX XXXX. However, during this time I was not in the city where the transaction took place and actually have receipts showing that I was in another city all night camping out for a release of an electronic. During this time, I made a transaction on my XXXX Card at XXXX PST. After, discovering about the unauthorized charge, I called Chase immediately and requested for the card to be cancelled and filed a claim for fraud. After almost 3 weeks of review, with no word from Chase, they  decided to reverse my claim causing my checking account to be overdrawn on XXXX XXXX XXXX. I spoke with 2 representatives over the phone, they both told me since the transaction had been made with my PIN, the charge was authorized, and they could not help me further with my case. As a response, I visited the Chase branch that the money was withdrawn from, requesting for a copy of the receipt for the unauthorized transaction and if it was possible to review the security footage of the transaction taking place. They were only able to get the receipt for the transaction, and was told surveillance footage can not be reviewed without a subpoena or by a peace officer. I was then told again that I would have to resolve my case through outside means. I have since filed a police report for the fraudulent charge.
Consumer complaint received 2017-10-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Investigative Concepts, Inc. (AZ)

XXXX XXXX keeps calling my phone number even though I 'm not the person they are trying to contact and do n't know the person as well. I called them and tried to explain and they were very rude to me and told me they would do nothing about taking my number off the list. I asked to talk to a supervisor and was then hung up on. The number they call me from is XXXX. This happened on XXXX/XXXX/XXXX at around XXXX am Arizona time.
Consumer complaint received 2017-10-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

wells fargo transfered my loan to Rushmore during a loan modification and then they are forclosing on my home because they said you wont allow them to stop because the date is less than 37 days away They are also saying my application was denied by wells fargo prior to transfering for missing documents. i have sent them emails and all corrspondence showing i sent the documents to my loan specialist on time and when requested
Consumer complaint received 2017-10-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

On XXXX XXXX, I started a mortgage application with Quicken Loans and was connected to mortgage banker, XXXX XXXX XXXX NMLS : XXXX ). The process started as typical, with me providing all of the personal and financial information required. 

Because of a short sale in my credit history, XXXX requested that I contact XXXX XXXX to provide evidence that the account had closed in XXXX, as I had stated. On XXXX XXXX, I attached a closing document to an email as proof, along with the text " XXXX, let me know if this works. '' After not receiving any response to my message, I contacted XXXX and was told that she " thought I was joking. '' Which is why she had n't responded to me. I was very puzzled by this response and requested that she submit the application with the new documentation. 

On XXXX XXXX, I reached out to find out the status of the application and XXXX responded " Still waiting for a response. '' On XXXX XXXX, I again reached out for a status update and received another text response " I am looking into things right now! '' It is now XXXX XXXX and I have not received any response to my application or any understanding of what could be causing a delay.
Consumer complaint received 2017-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (FL)

Several debtors trying to collect debts for claimed XXXX related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provide detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over XXXX years however the debtor is also reflecting the account/charges were just recently opened XXXX months ago?
Consumer complaint received 2017-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

The original student loan I had was acquired by another company. Due to technical issues with this acquisition, my automatic payments were not automatically linked. I resigned up for the automatic payment but the website only allowed for payment once monthly on day in the middle of the month. My payment due date at the time was prior to the next scheduled automatic payment date so I opted to make a direct payment of the amount to not miss the due date. To my unfortunate expense, the website was set up so that any direct payments made negated and cancelled all automatic payments. This was not explicitly written on the website and I argued over this with a customer service representative after I found out I had the delinquency but was only dismissed for this. I had thought my troubles were over after one technical error but the delinquency from that missed automatic payment lead to another month of deliquency because the automatic payment that was scheduled did not factor in the late fee that was due and caused my account to be branded with a double delinquency. It was never the case that I did not want to make my payments. The original payments were {$42.00} monthly. This cost was not a large sum at all but lead to this delinquency that has affected me greatly. 

This derogatory mark on my credit report is extremely damaging to me. At the time, I was applying for a bank mortgage for my first home and the delinquency has surely played a negative role that has already costed me a lot of money in the bank 's decision for my home. Even now, this delinquency on my report is preventing me from getting the loans that I am trying to apply for.
Consumer complaint received 2017-09-26
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: AMERICAN EXPRESS COMPANY (WI)

XXXX XXXX in XXXX XXXX Wisconsin from whom I purchased a desk top computer and returned for service assured me they would be able to fix the problem I was having and after many attempts I took it back to them for further analysis and fixing. They eventually after several contacts told me they would have to send it to their service center which they did and contacted me several days later telling me they would charge an additional {$750.00} to repair which happened to be a factory defect ( a defective program interfacing with the 'touch screen ' ) I called the XXXX factory technical department and was told by they to have the XXXX XXXX XXXX XXXX service center return it to their store where I would need to pick it up and resend it to the XXXX. Service Center. They told me I was being 'grossly ' overcharged by XXXX XXXX   and appeared I was being 'stiffed ' by them for more than double their estimated cost of repair. Charges by XXXX XXXX were disputed by me for an amount of {$190.00} which were in addition to charges of {$210.00} I disputed earlier and successfully defended by American Express. I have a full set of notes regarding the experience I had with XXXX XXXX and recently cancelled my in store cresit card with them since I refuse to do any further business with them.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

XXXX # XXXX and XXXX XXXX XXXX has multiple names and continue to duplicating accounts on my credit reports. This account has been paid. Both creditor and collections are reporting incomplete information misleading potential creditors offers. XXXX XXXX exceed 7 year statue for reporting. 

XXXX XXXX XXXX XXXX paid as well all adverse information listed on credit report is incomplete. 

XXXX XXXX XXXX/XXXX XXXXXXXXXXXX XXXX are all the same duplicated accounts.. I have record showing I paid this account.
Consumer complaint received 2017-12-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED GUARANTY CORPORATION (FL)

Upon the sale of my home, I received letters from XXXX XXXX XXXX XXXX months later stating that I owed a past due balance from XXXX XXXX XXXX. I have been trying to confirm that the debt is legitimate and that XXXX XXXX XXXX has an outstanding amount that was n't paid and if unpaid, that unpaid debt has been legally forwarded to XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX has not shown proof that this debt is owed. 

Finally, XXXX XXXX continues to harass me with 5-10 time per day to collect the debt.
Consumer complaint received 2017-10-17
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. (IL)

XXXX has not properly investigated the following issues on my credit report Confirmation # XXXX. Their claim to have investigated the issues is false. Please see enclosed letter ... 

Earlier in the year, I started a dispute with XXXX, Experian, and XXXX regarding items on my credit reports. XXXX claimed to have gotten the public records information being reported on their file for me from XXXX. I started an inquiry into the facts with XXXX approximately X/XX/2017. After concluding their investigation X/XX/2017 XXXX agreed with me and deleted the item ( see enclosed letter ). 

On X/XX/2017 XXXX claim to have investigated and VERIFIED this item by means of XXXX! 

XXXX, EXPERIAN, AND XXXX show a pattern of deceptive practices regarding consumer credit issues. They should be audited and their procedures combed over. I believe that their internal security as it pertains to a consumer file is loose. Meaning that dates and other important factual items can be changed by a clerk or data entry person for no reason other than their mood. Their record of FCRA violations has to be epic ...