davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TN)

I have owned my condo for ten years now and faithfully paid expenses related to my home such as mortgage, property taxes, Homeowners Assoc Fees, and homeowners insurance policy. Last year, XX/XX/2017, my mortgage had a balloon payment become due and Lender stopped accepting my payments. I did not qualify for a refinance through an outside Lender source and found myself caught in between a rock and a hard place. Meanwhile, I had some medical expenses and fell deeper in financial hardship. 
Ultimately, I have been denied mortgage assistance until I consulted with a Foreclosure Prevention Advocate. The advocate and I contacted my Lender and I was advised that mortgage assistance is a possibility. However, there seems to be a question of whether the Lender has 37 days prior to the sale date to process my request. 

We are told it is up to the XXXX XXXX XXXX ( a XXXX XXXX Trust ) whether or not to postpone the sale.
Consumer complaint received 2018-11-30
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: NCC Business Services, Inc. (CA)

I have an account sent to collections in the amount of {$490.00} that was paid off in XX/XX/2016. I was advised by my lender to call the number provided NCC Business Services, he told me they should be able to remove this from my credit record and if they do not comply then I should file this complaint. I called the telephone number provided XXXX. They told me they couldn't do that, that " it's not what they do. '' It was shown to me that having that remark removed from my record would raise my credit score significantly. It has been a major inconvenience for me as my family is trying to purchase a house. I would really appreciate this issue being resolved. Thank you.
Consumer complaint received 2018-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (UT)

My bank account was attacked by fraudsters on XX/XX/XXXX using detail only available on an idle Serve account. When I called to cancel my account and request a complaint be filed for data breech, the customer service agent did not know how to address my concern. Instead, he made me repeat my request several times, then transferred me to another line, which kept me on hold for several minutes. I disconnected after more than a a five-minute hold time.
Consumer complaint received 2018-12-17
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: Experian Information Solutions Inc. (NC)

I TALKED TO EXPERIAN SPECIAL HANDLING DEPARTMENT SEVERAL MONTH BACK IN XX/XX/2018 CONCERNING ACCOUNT SHOWING UP ON MY CREDIT FILE WITH A ADDRESS IN XXXX SOUTH CAROLINA. EXPERIAN PULLED MY FILE UP AND STATED DO YOU LIVE AT XXXX XXXX XXXX, XXXX SOUTH CAROLINA XXXX, I STATED NO! I TOLD THE FRAUD AGENT I HAVE ALWAYS LIVED IN NORTH CAROLINA MY WHOLE LIFE. THEY DISPUTED THIS ACCOUNT AND ADDRESS AND IT CAME OFF WITHIN ONE WEEK. I CALLED BACK AND ENDED UP TALKING TO A LADY NAMED XXXX IN THE SPECIAL FRAUD HANDLING DEPARTMENT AND SHE STATED THE ACCOUNT IS BLOCKED AND IT WILL NEVER REPORT AGAIN. NOW EXPERIAN IS SAYING MY POLICE REPORT AND FTC REPORT IS NOT TRUE. THAT WAS A SLAP IN MY FACE!!!! ONE THING I HAVE NEVER DONE IS LIE!!! I WAS RAISED BETTER THAN THAT. I WAS A HEAD JUDGE FOR 30 YEARS AND HAVE A GREAT NAME IN MY STATE OF NC. I CONTACTED THE POLICE AND SHERIFF DEPARTMENT CONCERNED ABOUT THIS ISSUE WITH EXPERIAN SAYING I LIED ABOUT THIS POLICE REPORT. THEY STATED ( DEPUTY XXXX XXXX ) ITS AS REAL AS REAL CAN BE. NEXT IS IM FILING LEGAL ACTION AGAINST EXPERIAN AND XXXX XXXX FOR ALLOWING SOMEONE TO USE MY CREDIT WITHOUT MY PROMISSION. XXXX XXXX  CANT EVEN SHOW ME THE CONTRACTS AND EXPERIAN KEEPS INVESTIGATING IN OVER AND OVER AGAIN AND NEVER SHOW RESULTS. THEY REMOVED XXXX XXXX XXXX, XXXX SOUTH CAROLINA XXXX AND THE INQUIRES FROM THIS LOAN BUT WANT REMOVE THIS ACCOUNT FROM MY FILE, EXPERIAN STATED THE ADDRESS IN S.C. WAS REMOVE AND INQUIRE WAS REMOVED AND BLOCK AND WAS FRAUD!!! BUT NOT THE ACCOUNT IT WAS SET UP UNDER. I WANT IT REMOVED OF LEGAL ACTION WILL BE FILED ON XX/XX/2018. THIS IS ABUSE TO A SENIOR CITIZEN ( I'M XXXX )
Consumer complaint received 2018-12-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent back in XXXX and XXXX, I asked the following creditors to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that XXXX, XXXX, and Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. Experian failed to send me any correspondence at all after numerous requests. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. As you may be aware, " Estoppel by Silence '' legally means that the credit bureaus and the listed creditors had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense since I have a track  record of you not sending documents back to me. Please forward me an updated credit report after you have completed your deletions and corrections of the following accounts from XXXX, Experian, and XXXX. 

XXXX  XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX/XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CT)

I had an account with XXXX which terminated in XX/XX/XXXX. The account was changed to my daughter in law when I moved out. I told XXXX to send me a final bill for payment. I did not receive a bill, so in the beginning of XX/XX/XXXX I contacted them again, they said they had no record of the account, and said it must have gone to collections, and would have to wait to hear from them.In XX/XX/XXXX I still had not heard anything from a collection agent or XXXX so I called XXXX again, again I was told to wait. By the beginning of XX/XX/XXXX I checked my credit report and there was a derogatory mark on my credit report for a bill from a collection agency for XXXX, and it was for more than triple the bill. I have contacted both XXXX and Credit collection services to try to correct the matter, and neither will do anything other than demand payment. I already had this removed from my credit report once, and then it reappeared this month. I'm hoping you can help me, it would be nice to be treated fairly. I don't think that's asking to much. 
Thank You. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-07-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I made a reservation via credit card for a hotel stay the night of XX/XX/18. I arrived at the hotel about XXXX to be told " I'm not seeing a reservation ''. No big deal, technology errors happen. I simply re-booked a reservation while at the counter, paid via same credit card, signed my name, and stayed. I received my credit card bill the next month and noticed being charged {$91.00} ( price without dog ) for the initial reservation ( # 1 ) and also the stay I signed for about XXXX ( # 2 - price with dog ). I disputed this as a duplicate charge with Bank of America immediately. The dispute was denied and I received photo copies of the receipts with signatures on XX/XX/18, then I realized what happened. The hotel mistakenly checked in a stranger under my name about XXXX and receipt # 1 was signed for by stranger on my bill, all when I was hours away from the hotel. This makes sense about being told " no reservation '' ; stranger was already in my room. The signature from the receipt is absolutely not mine or even close and again, I was hours away. The signature from the bill around XXXX ( # 2 ) is easy to see it's mine. To make things worse, when I did arrive about XXXX, the clerk was a visible nervous mess. He misspelled my name on the correct receipt while physically holding my ID and credit card. I'm thinking he realized that there was a mistake was too embarrassed to admit it. Easier to just let me pay again instead. I was road-weary and failed to notice the misspelling at the time. 

The hotel has refused to budge and refund me. They intend to unjustifiably keep my money. 

Upon finally reaching a human to talk to at BOA on XX/XX/18, I was told that BOA isn't handwriting experts and that the charge stands as valid. BOA refuses to acknowledge the common sense of this false charge ... .hours apart. If my card is on file ( which is required to hold the reservation ) and the hotel makes a mistake, it's BOA 's good faith responsibility to back me. I can't control a hotel clerk making a mistake, intentionally/fraudulently or otherwise. I can only imagine the stress to my life if the dispute was in the thousands of dollars and BOA refuses to do their due diligence. 

The notes next to " XXXX '' on the scanned images are from the hotel representative. The handwritten " pet fee '' note and the odd page numbering. The others indicating time, total, dog fee, and signatures are mine.
Consumer complaint received 2017-10-02
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. (SC)

I have disputed with the bureau about a bankruptcy in file. They informed me that XXXX have them the information. XXXX in formed me that they did not share any of my information with and credit reporting agency.
Consumer complaint received 2018-12-17
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. (LA)

XX/XX/18 Transunion, XXXX, XXXX  Reported account with XXXX XXXX XXXX as an OPEN account in Collections. 
This account has been in Charge OFF status for over a year. 
After sending factual information in regards to the inaccurate monthly terms reported, in the amount of 81months ( Should be 72 months, according to contract ). They have failed to provide proof of the balance calculations listed on my credit report.

After disputing the first time, this company updated my late payments reported ( my extended amount of days late on certain payments ). Still not providing PROOF. 
NOW they have an account, which is remarked as being a write -off, as if it is an active account in Collections. 

This company is in violation of the FDCPA and the credit bureaus are in violation of FCRA and have failed to complete a proper investigation.
Consumer complaint received 2018-12-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Acceptance Corp. (MO)

I got a loan from Midwest Acceptance in XX/XX/XXXX, and the vehicle was repossessed in XXXX. The account is showing open as of XX/XX/XXXX, however The account was open on XXXX XXXX. Information is inaccurate and defamation of character when I did not have that vehicle a text the beginning of XX/XX/XXXX. Secondly this vehicle was charged of & closed on XX/XX/XXXX, but is still reporting late payments and incurring interest. I called the office on XX/XX/XXXX & spoke to someone who was extremely rude and was threatened that they will keep reporting until the debt is paid off. The rep told me that the balance is incurring interest because i have not made a payment but thats not possible if the account has been charged off and closed. I Am asking that this account be closed and taken off my credit report as it is reporting inaccurate information, showing inquiries that i have not agreed to, charging interest on a closed & charged off account. This is grounds for removal
Consumer complaint received 2018-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE IDENTITY THEFT ON MY EXPERIAN REPORT XXXX XXXX XXXX XXXXACCT XXXX XXXX, AND XXXX XXXX XXXX ... ACCT XXXX ... XXXX ON XXXX XXXX. 
THESE ARE FRAUD ACCOUNT I HAVE BEEN DISPUTING FOR 2 YEARS AND THEY REFUSE TO REMOVE THEM. I HAVE SENT SEVERAL DOCUMENTS FORM THE CLERK OF THE COURTS, AND XXXX COUNTY CLERK SHOWING I HAVE NOT LIVED OR EVER BEEN EVICTED FROM THESE PLACES. THE CREDITOR DOES NOT EVEN HAVE MY SOCIAL SECURITY NUMBER ON THESE ACCOUNTS. XXXX XXXX AND XXXX  ALREADY REMOVED THEM DUE TO FRAUD BUT EXPERIAN REFUSES TO REMOVE THEM/. THESE ARE NOT MY ACCOUNTS THE IDENTITY ON THEM IS NOT MINE. PLEASE HELP ME TO GET THESE REMOVED I AM XXXX XXXX XXXX XXXX THE FRAUD ACCOUNTS DO NOT MATCH MY NAME OR SOCIAL SECURITY NUMBER
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

They are reporting a company I have never seen or had any interactions with called XXXX XXXX XXXX I previously had a fraud alert on my credit report and currently have a identity theft form and documentation on file as well as a police report. I never had an account with this company or any companies attached to them and this is negatively affecting my credit. I also have a XXXX XXXX account which has been paid and has not been updated. Also a XXXX XXXX which was paid and I currently have an account with them with the same account number yet it is still reporting negatively. There is also an account named XXXX XXXX, XXXX which I do not recognize and have never done any business with this company and never had an correspondence prior to this showing on my report.
Consumer complaint received 2018-11-29
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. (TX)

XXXXXXXX XXXX XXXX is Reporting my XX/XX/2018 Payment to Transunion and XXXX  as 30 days late. This is not correct. The payment was made on XX/XX/2018. XXXX XXXX XXXX also sent a letter saying they made a mistake and would change this status from 30 days late to Never Late. I also filed a dispute with Transunion and XXXX. Both credit Bureaus said the 30 Days late for XX/XX/2018 would remain the same. 

XXXXXXXX XXXX XXXX sent a letter to me on XXXX-18 stating they would update the records to reflect the XX/XX/2018 being paid on time within 30 days. See attached letter.
Consumer complaint received 2018-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

I have attempted to have this debt as a result of Identity Theft removed from my credit several times over the past 2 years with this company and they refuse to honor my requests. This agency increases the best by a dollar each week to ruin my credit when I have contacted them several times to remove this debt. 

They have conducted in a unprofessional manner and illegally collecting on a debt and increasing that debt twice a week to damage the debtors credit.
Consumer complaint received 2018-07-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

a person representing this company, came to my home .Trespassed and handed me a notice that they were suing me for breach of contract of a credit card in a XXXX court.
Consumer complaint received 2017-10-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My car was involved in an accident and it was declared " Total Loss '' by the insurance company. The insurance company decided not to pay for my car but I never stopped making my monthly payments on time because I did n't want to damage my credit history. I fixed my car with a lot of effort, it took me 8 months. As a result Bank of America reported my account as a " charge off '' and closed it even though I am still making my payments every month. Please I need your help.
Consumer complaint received 2018-12-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (GA)

On XX/XX/2018 I went to PNC bank Branch in XXXX, GA where i do most my banking to make an international wire transfer to XXXX for the amount of {$12000.00}. 
On XX/XX/2018 I saw a suspicious deposit in my account for {$11000.00}. Couple of days after that i went to the bank and shared my concerned about the Transaction.In my disbelief I was told the transaction is reversed International wire in my account from XXXX. So when i questioned the the dollar amount being {$830.00} less than original {$12000.00} I was told that the bank has to do an internal investigation and they will notify with the outcome.After few days i went bank to the Bank and they said they have not done anything wrong and the XXXX bank is charging me a exchange rate and return fee. I demanded to talk to the branch manager but he referred me to Mr XXXX which happens to be the regional manager.After speaking to him on XXXX XX/XX/2018 .he assured me to find out what the fees were and see if he can find a solution to solve the problem.i was out of country till XXXX of XX/XX/2018. Went to the bank on XXXX and i was told that there is nothing can be done. I asked for the breakdown of the of the numbers on Reversed International wire back in my account but they could not come up with the copy of the breakdown. I am so upset with lack of consumer protection in a my case. 
I feel like the banks ripping public off without any accountability on their behalf. all i want is my money nothing more nothing less. 


XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX
Consumer complaint received 2018-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (CA)

I HAVE A DITECH LOAN IN MY NAME ACCOUNT NUMBER XXXX BALANCE IS XXXX. 

IM DISPUTING THIS ACCOUNT BECAUSE I WAS PROMISED THIS ACCOUNT WAS SUPPOSE TO BE DELETED FROM CREDTI REPORT, AND DITECH PROMISED ME. 

PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2018-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (IL)

The American Express Serve and Bluebird services have been down almost 24hrs crippling thousands of people 's access to their funds. This is happening frequently now. The company refuses to provide any updates other than " we're working to fix as soon as possible ''. Again while thousands of people are left with no financial access. How do we hold such a large institution responsible?
Consumer complaint received 2018-11-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Management Company Inc (CA)

I received a letter in the mail stating I owed my previous bank, XXXX XXXX XXXX XXXX, a balance of {$120.00}. Since I closed my account about a year ago, I knew something was wrong and wondered if the teller did not close my account correctly. I went into the branch near my home and got evidence that showed I have never had this debt and that I have never been sent to any collection agency. The teller I spoke to said that XXXX has not used XXXX XXXX XXXX in a few years and that they recently switched systems and a few of these letters have gone out and worried members have brought them into the branch wondering what they were about. She suggested that I call the toll-free number on the card, and nobody answered. I left a message and received a call back a few minutes later. The man I spoke to, XXXX XXXX, asked me to verify the day I was born and the very last digit of my social security card. I gave him the information because I didnt think he could do anything with such a small amount of information and told him I went into the bank and was told and given evidence that this debt does not exist. He asked who I spoke to, and when, and asked if i went into the branch physically. I said I spoke to a teller about 30 minutes prior to the phone call, and went to the physical location. I was a bit angry because I know I have never been sent to collections, and could not tell me any details on this apparent debt I owed. He said he needed to contact the issuer who gave him my case and that he would call me back. It has been over 24 hours and I have not received a call back from him. Today I did some research and found his business online, but the address does not match the address on the letter, nor does the address on his website match a legitiment address on XXXX maps. The website address is XXXX.
Consumer complaint received 2018-12-15
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. (MO)

The following accounts I am not associated with, i do not have any contractual obligations to either one of them, due to the fact that the contracts were cancelled. The following accounts are ( 1 )  XXXX, XXXX, for {$680.00}, ( 2 ) XXXX XXXX XXXX, XXXX, for {$230.00}, ( 3 ) XXXX, XXXX, for {$1200.00} .., No Contract!!, and within the laws of the FCRA, one must  delivered physical documentation of these accounts if not then the reporting agencies should remove them immediately.