davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-27
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: National Consumer Telecom & Utilities Exchange, Inc. (OK)

1. I requested a copy of my report from NCTUE aka National Consumer Telecom & Utilities Exchange , Inc. 2. I received that report dated XX/XX/2018. 3. There was incorrect information on the report. 3. On XX/XX/2018 I mailed back to them their form for disputing items. 4. They sent back a letter dated XX/XX/2018 requesting a copy of my Social Security card and a copy of a utility bill. 5. On XX/XX/2018 I returned a copy of both to them. 6. Next I received a letter from them dated XX/XX/2018 offering to sell me a copy of my report. 7. As of today XX/XX/2018 they have not done anything to investigate my complaint about incorrect information on my report. The company is XXXX that I am disputing. The 3 major credit bureaus have removed XXXX from their reports. I also disputed XXXX with them. 8. My complaint here is I can't get them to even investigate my complaint much less remove it. Can you please help?
Consumer complaint received 2018-08-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (MD)

XX/XX/2018 Our Mortgage is current, and the payment is {$2000.00}, The Mortgage Company is Seterus, Inc.. All payments to Seteus are drawn through XXXX XXXX XXXX . Enclosed, you will find evidence which show that the payments were made. The Seterus Mortgage statements or letters show that the payments were made for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX However, the Mortgage Company has returned the payments or not given credit to the payments ; making it appear that we are in arrears. Our paid YTD statement was {$12000.00} as of XX/XX/XXXX, and our YTD statement was {$12000.00} as of XX/XX/XXXX.

On XX/XX/XXXX paid -- -- -- -- -- -- -- - {$2000.00} On XX/XX/XXXX paid -- -- -- -- -- -- -- -- - {$2000.00} On XX/XX/XXXX paid -- -- -- -- -- -- -- -- - {$2000.00} The XX/XX/XXXX payment was made on XX/XX/XXXX, and the payment was returned on XX/XX/XXXX. XX/XX/XXXX payment was paid again on XX/XX/XXXX. XX/XX/XXXX payment was paid XX/XX/XXXX. XX/XX/XXXX payment was paid on XX/XX/XXXX. My husband & I are both Senior Citizens, and our income is derived from Social Security. We are both hardworking Americans. We are concerned that Seterus would send us a Mortgage Statement for {$8300.00} to be paid by a cashier check. All of our previous payments have been done through Automatic Checking/Speedpay. The Mortgage Payments are current except for late fees.
Consumer complaint received 2018-08-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IL)

I received a derogatory mark on my credit reports in XX/XX/XXXX from XXXX XXXX aka Resurgent Capital Services. The alleged account was opened in XX/XX/XXXX and is now being reported as collections all these years later. I never received written communication about this or the opportunity to validate or dispute this debt.
Consumer complaint received 2018-08-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SIMM Associates, Inc. ()

Additional information for CFPB complaint # XXXX about XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. 

On XX/XX/2018, XXXX responded to CFPB by stating that the complaint does not belong to them. 

However, as per information from XXXX the account was charged off and transferred to SIMM ASSOCIATES, INC See attachment.
Consumer complaint received 2018-08-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (FL)

I believe that the loan I have with this company is illegal in the State of Florida and may be considered predatory lending. The original amount financed is {$900.00}. APR is 670 % with a total finance charge of {$2700.00} over the life of the loan. Semi  monthly payments of {$280.00} began on XX/XX/XXXX. Most recent payment made was XX/XX/XXXX and the last payment is scheduled for XX/XX/XXXX. Payments were being debited from my XXXX XXXX checking account via ACH, but I have recently sent XXXX XXXX written notice that I have revoked authorization for ACH debits.
Consumer complaint received 2018-07-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Counsel, Inc. (FL)

There is a company by the name of Credit Counsel , Inc. located XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX representatives name is XXXX XXXX. He has been sending me letters and calling me trying to collect a debt from " XXXX XXXX XXXX XXXX '' which I do not owe and after speaking to the XXXX XXXX XXXX corporate office they assured me this company does not represent them and that I do not owe them any money. I have attempted to have this XXXX XXXX understand that there is a mistake but all he does is threaten me with reporting to my credit and insult me calling me a liar and a fraud and that i'm going to pay for this. I have emailed him papers showing I don't owe them but he doesn't care. I have no idea who this guy is and i'm tired of him calling and harassing me its been going on since XXXX of this year and he claims I owe {$5000.00}.
Consumer complaint received 2018-08-27
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lucie, Scalf, Sutton & Bougher, Attorney At Law (IL)

Today, on XX/XX/18 at approximately XXXX, I answered the company phone at my job and it was a call from a collection agency. XXXX XXXX from XXXX, XXXX, XXXX, XXXX XXXX stated that she was calling to talk about garnishing my check. She did not know it was me answering the phone but gave my name out and specifically stated she was calling about garnishing my check. I am not over HR. I am just a regular employee in the office. She didn't ask for my name until I asked was it illegal to give out employee 's name 's regarding garnishing checks to any employee. 

I called the office to speak to the supervisor and was transferred to her number. After I told her not to call the office giving out my personal information, she stated it was not illegal because she sent a letter in the mail to my boss so that made it public knowledge. I am not a lawyer but I did study some business ethics and I know that is not true. She is only allowed to discuss collecting a debt with me or my employer/the person responsible for issuing my check. As a supervisor, I would also expect her to be competent enough to not make such a mistake no matter how eager she is collect money.
Consumer complaint received 2019-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (PA)

We were behind a payment for XXXX. My husband went to the bank in person on XX/XX/XXXX and ask what we needed to pay to be current and he paid that amount. It was 2 payments plus late fees and was to also cover XXXX. We got our next statement with a past due amount. Again we went to the bank, ask what we needed to pay to get caught up and why/how we were behind? After a few days they said we missed a payment in XX/XX/XXXX and they floated it and it just appeared with accumulated late fees. ( Thats questionable because we were getting calls from Key Bank asking for information in the summer of XXXX so we went to the bank and the young man there said no it wasnt them calling, they would not ask for social security/account numbers on the phone. We ask him to check our account and he did and said it was current and no problems. ) So we paid again and 11 days later got another and then a foreclosure. We paid again, then they said we were paid through XXXX ( in XX/XX/XXXX! ) after we saw {$1800.00} unapplied payments on our statements, plus another {$20.00} fee ( for what? Were ahead ) We had to take money out of our savings. We dont think our statements have been correct.
Consumer complaint received 2018-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (CA)

I filed a complaint with the CFPB regarding Amex Served Prepaid Credit Card. I outlined that my identity was stolen and a card was requested in my maiden name. The theft had my SS #, DOB, and other sensitive information. The request was made from an email address that does not belong to me. I contacted Amex Served at ( XXXX ) XXXX where the overseas representatives did not understand the severity of what transpired or handled the identity theft with due diligence. I confirmed my SS #, DOB, etc. and asked to close the account and provide me something in writing that the matter was handled. Since XX/XX/2018, when I called XXXX times and was repeatedly hung up on after asking for confirmation, I never received anything in writing stating the Amex handled the matter. I then submitted a complaint to the CFPB ( CFPB Ref No : XXXX ) and the response I received was alarming! Not only did the Amex agent not address my complaint, they also provided me with the same phone number to close my account after I provide my SS #, DOB, etc.! This is information I provided 6 times on XX/XX/2018, to Amex served while letting them know my identity was stolen! Only to be repeatedly hung up on by overseas representatives! At one point, the representative told me he would send a confirmation to the fake email address where the thief requested a card in my name! Appalling! Not only do they not understand the context of the language they were going to commit additional violations. I want all my calls pulled for pending litigation. The response I received said they could not locate the calls. I do not believe that as each time I called in it said my calls were being recorded.! 
This is my final attempt to have Amex contact me via US representative of legal counsel to address the identity theft. If I do not receive a proper response, I will be seeking legal counsel to pursue any and all legal remedies to correct the actions of American Express Serve for the negligence in handling my identity theft complaint. Please refer to my previous complaint for additional information that occurred during my XXXX phone calls on XX/XX/2018, attempting to have this issue handled. 
I gave birth on XX/XX/2018, and the negligence of Amex has cause me emotion distress during the time I am bonding with my newborn. AGAIN! This is my finally attempt to properly resolve this matter as many FTC violations occurred with regards to identity theft and proper handling of this matter. If I do not receive a call or confirmation in writing by a UNITED STATES representative ( someone in a supervisory capacity or from Amexs legal office ) stating that my identity theft has been address and providing me with the information that was used to open an account in my name ) I WILL SEEK LEGAL ACTION!
Consumer complaint received 2018-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

My issues with Student Loans started aroundXX/XX/XXXX. We began looking for a home to purchase around XX/XX/XXXX and had an official credit report run which came back at about 755, so everything was looking good for purchasing a home. Then around XX/XX/XXXX something weird starting showing up on my credit report, the loans that I had been paying on had been transferred to Navient, which was really strange. ON TOP of that these loans being transferred to Navient showed a duplicate record ( so instead of 6 loans it was showing 12 ) which reduced my credit score down to about 610, and thus drove it lower from there, essentially making it so we could not buy a home. 

I called into Navient for the first time in XX/XX/XXXX, who claimed I did not have any Student Loans being processed/handled by them. 

From there I called back to the Federal Student Loan number who verified that Navient was the one that is now handling my loans. 

It took me 4 months ( XX/XX/XXXX ) before I could get Navient to claim they were the ones now servicing my loans. After that they claimed there was a {$5.00} outstanding charge on my account and that because of this I was showing as " defaulted '' I quickly paid that {$5.00} off to be taken out of default ... ... well now every month I am being charge {$170.00} through my bank which I had never authorized to be drawn from besides that {$5.00} to get me out of default before I could work on a repayment program. 

After discovering that I was being charged this amount I had my Fiancee call on my behalf and they gave her a run around and stated that " I can apply for more deferment time online but because you already went into default once they may not approve it unless we can prove that we can not handle {$170.00} a month '' ; essentially meaning " We XXXX over your deferment because you were just in default and paid {$5.00} to get out of it. '' On top of this the original interest amounts have gone up after being taken control of by Navient, and my credit score has barely improved.
Consumer complaint received 2018-08-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CASHCALL, INC. (WA)

I opened a high interest pay loan with Cash Call. In XX/XX/XXXX and they have marked my account as late on three separate occasions on my credit when I first, requested the pay date be changed so that my account was debited on a different date. The representative asked for all my information. On XX/XX/XXXX and XX/XX/XXXX, those payments were not reflected correctly and caused overdraft fees and late payment on the account. In XX/XX/XXXX, again, they show a late payment when the payment was made on time and reflected one day late. If you note on their terms we have the ability to change that withdrawal date. 
I was not notified that it would not be honored in XX/XX/XXXX. Also, they state in the paperwork that they will notify the persons responsible for the loan if any ACH is not honored so we could have an opportunity to correct that problem. That did not happen on any of the cases. 
I have called, written, spoken to supervisor to notify them and they just respond with a generic letter. 
Therefore, I would not only like my case looked into, but the practices of this company. 
WE are at their mercy to say if I called, or did not call. Perhaps, call logs might be retrieved as my communications have been more than several. 
I incurred hundreds of dollars in overdraft with Cash Call and I should not be marked on my credit report at all when I called to change the ACH debit dates as well as their lack of communication on letters they state were sent. I would like proof of those demands, as that is what they ask of the consumer, proof we paid and when. 
Thank you for all of your assistance.
Consumer complaint received 2018-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was put in collection in error in 2017, I had contact the XXXX   office numerous of time advising them that there were a check issue for XXXX XXXX for amount of {$2100.00} and for XXXX XXXX {$6500.00} which was made out to my Ex-husband which he admitted taking the checks for his personal use, I contacted the XXXX XXXX spoke with XXXX regarding this matter fax over all documentation from the court hearing and still no luck. I checked my Credit report with XXXX, Transunion, XXXX   and all three creditor has me in the report giving a BAD score. This has affected me personally I'm in distress can't buy a house because this is in my credit report for all three bureau. The responsible for this monies own to any/and all XXXX  is my ex-husband which can be verified by the attached divorce decree holding myself harmless for any monies owned to this XXXX   XXXX XXXX {$69000.00} and XXXX XXXX {$2100.00}. Please help me I have already attempted with all three credit bureau send all court order plus hired a lawyer to go back to court I'm out of resource of how to flight this error with the credit bureau I need my name to be clear in order for me to purchase a House. Thank you for your time. Have a blessed day.
Consumer complaint received 2018-12-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

I contacted all three credit bureaus through certified letters via the United States postal service over 30 days ago to have them investigate and remove this hard inquiry off of my credit reports. They have not responded this check into cash hit my credit report on XX/XX/18. I have not heard from the bureaus about my dispute request which violates the FCRA law, the credit bureaus has a responsibility to report accurate information and to respond to consumers in a timely manner.
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

Every time I try to register on XXXX I am given the error message that my personal records don't match the records of the Credit Bureaus. I tried to register on XXXX XXXX XXXX XXXX  and I'm having the same issue. Obviously my SSN has never changed. I keep trying my past addresses and I'm having similar issues. I pay my own auto insurance, phone bill, subscriptions to Satellite RadioXXXX/streaming services but I've never taken out a loan or credit card. I paid cash for my college tuition and cars. Could the limited credit history be my issue? I find it hard to believe I don't have any credit history at all? Thanks
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Russell Collection Agency, Inc (MI)

The Russell Collection Agency is reporting a collections account that has been included in my bankruptcy. They have two accounts on my credit reports : {$90.00} Opened XX/XX/2018 ( 6 mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX  Closed No Info You could dispute an error with XXXX  SEE AN ERROR? 
If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

GO TO XXXX Creditor Information RUSSELL COLLECTION A XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$29.00} Highest Balance {$29.00} Opened XX/XX/2018 ( 6 mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX  Closed No Info You could dispute an error with XXXX  SEE AN ERROR? 
If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

GO TO XXXX Creditor Information RUSSELL COLLECTION A XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
Consumer complaint received 2018-07-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Capital Enterprises, Inc. (CA)

I spoke to your company before and informed you that I am in dispute with the medical service provider and that you needed to validate this debt. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION.. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you and provide a detailed, plain and simple list ( not coded ) of any and all services or a line by line itemization report of charges. If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. If so please delete from collection Thank You
Consumer complaint received 2022-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MO)

My Paypal account has a balance of approximately {$6.00}, username XXXX. I do not know the exact amount because I can't access my account. When I attempted to get the money out of my account on XX/XX/2022, I was unable to login because I am required to add a mobile phone number to the account. I do not have a mobile phone number to add. I called Paypal on XX/XX/2022, to get the money from the account and close it but they could not help. I want a check for the account balance sent to the address on file or transferred to the bank account on file and the account closed or I want to access my account online without adding a mobile phone number and then I will perform the previously stated actions myself.
Consumer complaint received 2018-05-14
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. (IL)

I disputed several accounts due to identity theft and submitted my police report/supporting documents XX/XX/XXXX. Transunion successfully removed and deleted the items in question. As of today XX/XX/XXXX, those items were reinserted on my credit report. I have also submitted directly to the company in question my correspondence so I am confused how my identity was stolen to open accounts, then the accounts were deleted as a result, now reinserted on my file. 

Please remove 8 XXXX XXXX XXXX/XXXX  account.
Consumer complaint received 2018-05-14
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. (MS)

My name XXXX XXXX someone used my info to purchase a vehicle from XXXX XXXX  n my name this person social is XXXX which is sum little girl its not mine but they said it was mines n stuck this on my credit report I went to apply for a house cause of this on my credit report it didnt happen I have worked hard to get my credit right n now this also this person have turned this vehicle n I guess I will have too start too sue paperwork for this company