davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (RI)

I made a payment via money order to XXXX XXXX & they claim I never made a payment. Not only that but this debt is from XX/XX/XXXX. XXXX XXXX has now decided to send this debt to a credit collection company as a XX/XX/XXXX debt on top of claiming that I never paid them. I have had issues with them in the past including a {$600.00} bill from an old residence that I requested have it 's service terminated. They were unable to get in to suspend service so they charged me for three months service without informing me they were unable to get in the residence. When I asked why they did n't inform me that they were unable to suspend service at the old residence a representative responded with " that 's not our responsibility.
Consumer complaint received 2016-07-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: EVERBANK, NATIONAL ASSOCIATION (AZ)

Everbank failed to contact me when I had an existing military fraud alert on my personal information. They opened a bank account with my personal information under different contact information. I am trying to close this fraudulent bank account. 

I only found out about it through my own ID protection subscription service notification. I only opened this service after the OPM data breach that happened a few years ago and there were concerns of this information being sold.
Consumer complaint received 2016-08-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Neon Newco Corporation (TX)

I have contacted NetSpend 4 times via email regarding my inability to log in online. The issue is not due to clearing the cookies or cache of a browser because I can not log in with any browser on any operating system including : IOS, Windows, Linux, Chrome, Firefox, Safari, Internet Explorer. When I log into XXXX the page loops back to XXXX as if I have never logged in. 
This continues to perpetually loop. I am, however, able to log on to the mobile app and access my information. It is important for a consumer to be able to access all avenues the service/bank provides. 
NetSpend customer service gets back to me no less than 48 hours after sending each email. My fear is that the mobile app will not work after the next update and I will have no ability to access my account and be forced to pay the fees that NetSpend requires to make a call to the bank for any reason. 
XXXX XXXX
Consumer complaint received 2016-07-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Innovative Credit Solutions (PA)

Innovative Credit Solutions is still reporting a debt on my credit report in which they have not provided any information, this company calls and threatens that they are sending me documentation from the clerks office this company does not provide any information this is a collection for XXXX in which -- XXXX has removed this account from my credit reporting due to the factor its been over 7 -- -- years since the last payment was received this company provides nothing to me this is my -- -- complaint.
Consumer complaint received 2016-08-12
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Valentine and Kebartas, Inc. (MD)

This matter arises out of a dispute sent to XXXX XXXX on XXXX XXXX, XXXX at XXXX XXXX XXXX in XXXX, NH XXXX. ( See : Attachments ) XXXX XXXX failed to reply to my XXXX request and upon dispute transferred the debt to XXXX XXXX XXXX. ( See : CFPB Complaints # XXXX and # XXXX ) Upon the CFPB complaints XXXX XXXX XXXX then transferred the debt to Valentine Kebartas who is attempting to collect the same debt that has yet to be validated by XXXX XXXX and/or XXXX XXXX XXXX. In response XXXX XXXX XXXX in complaint XXXX I specifically stated my opposition to XXXX XXXX XXXX that I did not authorization and/or consent to the release, transferring, selling, intrusion, data sharing, etc., of my private and/or personal identifiable information. I requested that any and all file ( s ), contract ( s ) and or information containing the name " XXXX XXXX '', address, email address, phone records, social security number, credit card information, phone number ( s ), etc. in any variation, spelling or derivative is to be DELETED from XXXX XXXX XXXX records. The company has dishonored my request. I also opposed to the disclosure, publicizing or revealing of any personal identifiable information to XXXX XXXX XXXX or any third party entities ; data broker services, direct marketing services, directory services, sponsors and entities in which XXXX XXXX XXXX is acting as an agent ( s ), licensee, joint venturer, publisher and or any other services that are affiliated with XXXX XXXX XXXX. Valentine Kebartas and the aforementioned companies have violated 15 U.S.C.1692 et seq. in attempts to collect a debt by using false, abusive, deceptive, or misleading representation or means in connection with the collection of a debt ; attempted to extort payment with false litigation threats, false garnishment threats, threatening to enter a judgment also in violation of Section 807 ( 5 ) of the FDCPA, 15 U.S.C. 1692e ( 5 ) ; and Section 807 ( 4 ), 15 U.S.C. 1692e ( 4 ) ; Valentine Kebartas are " debt collector ( s ) '' engaging in deceptive and abusive practices that violate the FDCPA. In XXXX, the " FDCPA was enacted as a broad remedial statute designed to 'eliminate abusive debt collection practices by debt collectors, to insure that those " debt collectors '' who refrain from using abusive debt collection practices are not competitively disadvantaged. ' '' ( See : XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( quoting XXXX XXXX. XXXX ( XXXX ) ) ; see XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX. XXXX. XXXX ).
Consumer complaint received 2016-10-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I overpaid on my credit card with Bank of America ( i.e. I had XXXX balance but forgot I already paid so I paid twice, resulting in net negative balance ). I then received a returned payment fee for {$26.00} for returned payment despite having sufficient funds in my checking account to pay for this from Bank of America. After much complaining, charge removed but I think this is a predatory and if I had not had paid attention, Bank of America would have made a quick buck.
Consumer complaint received 2016-08-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Automated Collection Services, Inc. (CA)

There is a collection account on my credit report that I have continuously disputed because it is completely inaccurate. I do not owe the amount reported, and the collection agencies can not provide any evidence to prove and/or verify the account. The account keeps being transferred from one agency to another, with no accountability, while severely damaging my credit ( and my ability to refinance my home ) and creating a financial hardship by reducing my income. 

In the last year, this account has changed from XXXX to XXXX to Automated Collections to the current holder, XXXX. I have sent letters by certified mail asking all of these agencies to verify this debt, and they have not. Automated Collection/XXXX is not only reporting this inaccurate account on all three of my credit reports, but they are also intercepting any federal payment to me. They have reduced my XXXX income and they also withheld my federal tax refund. As of Tuesday, XXXX XXXX, 2016, a staff member from Automated Collection, XXXX, stated that they have my case in dispute and they will respond in writing in a few weeks. This is unbelievable and completely unacceptable! I still have n't received a response to date. I retired from my job for health reasons and this is creating a serious financial hardship. This is not my account! 

Following my series of disputes to the credit bureaus, I finally received a letter from XXXX XXXX last XXXX stating that they could not verify the account ( please see attached ), and would return the account back to the original creditor and delete it from my credit files. To date, it is still on my report, which is the account transferred to and now reported by XXXX. The credit bureaus keep sending me responses that this account has been verified, although neither XXXX XXXX nor XXXX ( or any of the other collection agencies ) can verify it, and despite my sending them a copy of the attached letter confirming this fact. 

During the first week of XXXX, I contacted both Automated Collection Inc. and XXXX again, and received the usual runaround. On the morning of XXXX XXXX, XXXX, an XXXX staff member, informed me that XXXX sent an email on my behalf to Automated Collection Services on XXXX XXXX, 2016, asking them to release the intercepted Federal payments, including our income tax refund, and said they are waiting for a response from Automated Collection Services. I never receive any responses or updates, while my credit continues to suffer and my income continues to be unjustly taken from me! I urgently request your help and assistance, as I have written several letters and made several calls, to no avail.
Consumer complaint received 2016-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

I spoke with XXXX XXXX and they verified that they have no record of this debt within their system. I disputed this to Experian and XXXX and they are still reporting this debt as mine, when it 's not. Please, investigate the bureaus and have them remove this debt from my credit reports.
Consumer complaint received 2016-07-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion, to date, I have not received the results of your investigation regarding my disputes dated XXXX XXXX, 2016 & XXXX XXXX, 2016. I did receive a notice from you dated XXXX XXXX 2016, explaining to me what an " inquiry '' is ( I know what an inquiry is ), but this did not satisfy your obligation, by law, to investigate and correct inaccurate information which appears on my credit report. As the 30-day clock has already lapsed, your only course of action here can be to delete the disputed items from my credit report.Inquiries are not a statement of fact. The inquiries I have listed did not have my authorization nor a permissible purpose to obtain my credit history. The law makes no distinction here, by placing the responsibility to confirm this information with you. Inquiries hurt a credit score, and are a part of the report. You are not exempt from following the law, simply because these entries are not tradelines. The FCRA clearly places this responsibility on you. The information you are reporting is incorrect in the way I have explained.
Consumer complaint received 2016-10-21
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

We are filing a complaint in regards to a foreclosure summons based on issues surrounding a recent short sale attempt with the plaintiff Wells Fargo. The nature of our dispute involves a notice that we received from the plaintiff dated XXXX XXXX, XXXX, which states that plaintiff has referred our loan to a foreclosure during negotiations for the short sale approval process. The problem is that we had only on XXXX XXXX, XXXX, signed a short sale agreement and had just begun the negotiations with XXXX XXXX XXXX of plaintiff 's short sale department. The fact that plaintiff referred our loan to a foreclosure prior to concluding negotiations only further supports our additional arguments that plaintiff, has more interests in foreclosing on our home rather than considering any offer of short sale no matter what the amount that could be or had been offered at that point. This is a direct violation to the National Mortgage Settlement ( NMS ) of XXXX. 

Furthermore, we are in the process opening and investigation or inquiry into the last modification agreement that we were approved for on XXXX XXXX, XXXX. We made all of the payments required under the trial plan as well as payments in the amounts of {$2100.00}, all the way through XXXX of XXXX. We then received notice from plaintiff, indicating that our loan modification had been cancelled and the only option for our loan would be short sale or deed in lieu, which is why we began the recent failed short sale attempt. 

In fact, according to agent XXXX ID # XXXX, of WFHM stated on XXXX XXXX, XXXX, that it seemed odd that the loan was sent to foreclosure 1 month after the loan funded for the modification which was being paid. She advised that she would open an escalation into this realization, however our third party contacted WFHM again on XXXX XXXX, XXXX, and no escalation had been made by agent XXXX ID # XXXX. Another violation of the NMS, unclear modification process which forces homeowners back into foreclosure rather than facilitating and amicable solution. 

We feel that our loan has been mishandled on multiple levels by plaintiff during the loss mitigation process, and we would like to have the opportunity to have outside counsel to review our loan for potential predatory and abusive custodial servicing actions on my VA loan. This is fraud against the US government and a Veteran of the USA. 

We implore the CFPB to grant us relief from " Tyrant Tactics '' to foreclose and continue to violate housing protection laws for residence of Georgia. We desire a 90 day continuance on our response to the foreclosure summons due XXXX XXXX, XXXX, in order to determine the best option in protecting our interests in a home that my family has every intention to retain and save from foreclosure. We feel that plaintiff has exercised negligence and incompetence in the servicing of our loan and has not maintained a transparent process during our last 2 loss mitigation attempts.
Consumer complaint received 2017-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (VA)

This issue occurred after resolving my REPAYE certification dispute with CFPB complaint #  XXXX  where the Vice Presid ent of Loan Operations wrote a formal re sponse indicating my REPAYE certification was approved and the company would grant an administrative forbearance to cover the {$3600.00} bill due on  XXXX / XXXX /  XXXX  .     I just received  an Interest Notice from FedLoan Servicing indicating {$11000.00} in  accrued interest will be capitalized onto my loan principle on  XXXX / XXXX /  XXXX  . This is a severe financial penalty being placed on me due to an administrative error made by FedLoan Servicing. To be clear, I did not request this forbearance be placed on my account. Fedloan Servicing used forbearance as a tool to correct their mistake so that I can pay my normal monthly payment at a later date. Interest capitalization was never discussed.     As detailed in my previous complaint, FedLoan Servicing sent me an e-mail requesting I follow their link to recertify m y REPAY plan. I followed their instructions the same day Fed Loan Servicing sent me the e-mail. FedLoan Servicing administratively closed out my REPAY E recertification without notifying me and later claimed it was because I submitted the REPAYE recertification " too early ''. It is not possible to submit a REPAYE recertifiation too early or, at the very least, the company should provide notice to the borrower when their recertification application is closed.
Consumer complaint received 2016-05-20
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SIMM Associates, Inc. (DE)

I never knew about this payment from XXXX. I have never made a late payment and now I see this has been sent to collections. I was not aware of this payment. My credit score is extremely low and I have been working hard to keep good credit. If I was never informed about a payment how is that fair that it is sent to collections because like I said I always pay things on time.
Consumer complaint received 2017-05-11
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. (SC)

After reviewing my credit report dated  XXXX / XXXX /   2017 a nd  XXXX / XXXX /   2017 I noticed  that  XXXX   XXXX  was reporting information incorrectly. On  XXXX   XXXX   XXXX   XXXX  reported that my pass due amount was {$160.00} as of  XXXX     2017 a nd on  XXXX   XXXX  they reported as passed due {$190.00} as of  XXXX     2017.  This is less than  24  hours. They also stated on both reports that there was no recent payment which was incorrect. This shows that  XXXX   XXXX  has falsely reported information to the bureaus concerning my account. Since this is falsely reported I request that this account be removed from all credit reporting agency in violation of the FCRA by misrepresenting the amount owed or due. This also violates SC Law sec tion 37-20-110.  I have attached copies of recent payments made to  XXXX   XXXX  and the reports that were received.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The accounts below are reporting missed payments which are incorrect. 

XXXX XXXX credit card its saying i missed a payment XX/XX/XXXX. 

XXXX federal unsecured loan its saying i missed a payment XX/XX/XXXX. 

XXXX XXXX credit card is reporting XXXX incorrect missed payments. 

XXXX XXXX card reporting XXXX missed payments incorrect.
Consumer complaint received 2016-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (IL)

My hardship started on XXXX XXXX, XXXX. When my wife XXXX had an accident at XXXX leaving her almost XXXX, this was a really stressful time for us. Due to my wife 's health I was forced to miss many days from work, my previous employer just could not work with me missing days, or sometimes I needed to leave early to take my wife to her XXXX. I always provided a doctor 's note to my boss, but however he was looking for an excuse to let me go due to missing many days of work. Shortly after I got fired from my job, this was a major blow because my wife was not getting any income, we depended on my income. Also hospital bills were coming higher every time and we could n't afford the mortgage as well. I was fortunate to get hired at XXXX XXXX XXXX As a XXXX on XXXX XXXX, XXXX I am making {$750.00}. Bi-weekly at this new company. Also my wife XXXX is only getting Social Security income of {$710.00} per month she stop receiving the workers compensation since the end of the year. As you may check on my bank statement the last month she received workers compensation was on XXXX XXXX, XXXX. This brings our income to a total of {$2200.00} now I did inform Wells Fargo in regards to this change of income during the appeal process, but Wells Fargo decided that the trial offer was affordable even with my loss of income. This is really frustrating because Wells Fargo want me to make the trial payments even when my income has change. I decided to escalate my file to the Executive office, agent XXXX XXXX was extremely rude with a condescending tone every time we contact him, I feel that he could have done more from his end, that was the reason why I escalated my loan because I am tired of re-applying every time either Wells Fargo always uses the wrong income. I was offer a new trial and Wells Fargo used {$0.00} income and was able to provide me a non affordable payment once again.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is really frustrating, items that have resulted from fraud which I never benefitted from still appears on my report, it is already deleted by both XXXX and XXXX yet you continue to put this false and fraudulent information on my credit. This is absolutely insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.
Consumer complaint received 2016-06-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America Home Loans has not released a XXXX mortgage lien ( Town of XXXX, Connecticut - Volume XXXX / Page XXXX ) despite account being closed since 2006. Repeated attempts by me to work directly with BofA, in its various incarnations, via mail and phone have been fruitless. If I do receive response from them, it is only in the form of a standard letter saying the matter is being researched, but this has been the case for years now with no resolution. 

In compiling information for this Complaint, I am noticing Servicing Rights were sold to Bank of America on XXXX/XXXX/06 under a/c # XXXX. Somewhere along the way, without notice to me, Bank of America Home Loans seems to have stepped in using a/c # XXXX. That in itself is strange too. Is that legal? 

Account is being reported as 'paid satisfactorily ' and 'closed ' to XXXX and XXXX, respectively. 

Please help me get this matter resolved and the erroneous lien removed from the land records. Thank you.