davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

The company failed to provide me with a right to dispute, which would have given me the opportunity to settle debt before the creditor reported to credit bureaus. I am requesting this is information to be deleted from all credit bureaus on the strength that company failed to provide me with the requested information.
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

We have had a personal loan through XXXX for almost two years. We have NEVER been late. We set this account up for automated payments through their website for the month of XXXX since we knew we would be out of state and unable to access the internet, banking or email. Upon arriving home on XX/XX/XXXX, we received notification that the XX/XX/XXXX payment was not received by them and they had reported us 30 days late to the credit reporting agencies. Due to our impeccable record, the mix up on the automated payment system and the fact that we made the payment as soon as we were aware ( XX/XX/XXXX ) we requested a ONE time credit suppression from XXXX. We feel that our request is reasonable but XXXX is acting unreasonable and will not provide us with a satisfactory or courtesy resolution.
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX is our loan service provider for our mortgage. We set up an automated payment request for the XX/XX/XXXX to pay our XXXX mortgage payment since we would be traveling out of state from XX/XX/XXXX - XXXX. We did not have access to email or US mail until we returned on the XX/XX/XXXX, but did have cell phone access during the entire trip. On XX/XX/XXXX we received notification that our mortgage payment for XXXX XXXX was not made in a timely manner and that XXXX reported us 30 days late to the credit reporting agencies. Upon contacting XXXX, we found that the automated payment was not accepted. When asking why we were not immediately contacted, they told us that they had been reaching out via telephone, but upon further inquiry, they admitted they had the wrong phone contact number in their system and was unsuccessful in reaching me. Furthermore, the letter that was sent to us stating we are late for XXXX was dated XX/XX/XXXX, post marked XX/XX/XXXX and not received by us until XX/XX/XXXX. Clearly we were not notified from XXXX that the payment we had submitted was not processed and immediately upon finding out, we corrected the problem. It is for the reasons stated, specifically the wrong contact information and mailing of the late notice so late in the month, that we are requesting a credit suppression for the 30 day late report they are ruining our credit file with. OnXX/XX/XXXX we requested a one time credit suppression due to the unique nature of this problem and Loancare states on their website that " within 15 calendar days following the receipt of an inquiry, we will provide a written response that includes details of how the inquiry has been resolved. This would be XX/XX/XXXX. A resolution was never given. Furthermore, they state that withing 5 days of the inquiry, " we will provide you with a case number and a toll-free number to call to discuss the issue and a resolution. '' This toll-free number was NEVER provided and NOBODY has ever discussed the case with us. This issue has now caused our credit FICO score to reduce by 60 points. We are currently working with XXXX XXXX XXXX XXXX to secure a mortgage on a new home and need to have this issue resolved prior to XX/XX/XXXX ( which according to the XXXX website should have been resolved by the XXXX ) or we will lose our mortgage commitment and our new home. We have made a reasonable request for XXXX to suppress the erroneous reporting based on them having improper contact information and XXXX is acting unreasonably. Especially considering that we have NEVER been late on ANY payment to XXXX or any other creditor in the last 14 years.
Consumer complaint received 2016-07-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (MN)

My son and I went into the US Bank on XXXX XXXX XXXX in XXXX XXXX at XXXX to open a new checking account. The Teller ( XXXX ) refused us service and stated that she can not help us because opening a new account takes 45 minutes and we close at XXXX. I find this practice to be deceptive, unfair, and discriminatory! If US Bank advertises that they are open until XXXX, how can they deny a customer service? I work during the day and my son had just gotten off work, so this was the only time that we could get there. I 'm shocked that they refused to help us!
Consumer complaint received 2017-08-18
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. (NJ)

XXXX is our loan service provider for our mortgage. We set up an automated payment request for the XX/XX/XXXX to pay our XX/XX/XXXX mortgage payment since we would be traveling out of state from XX/XX/XXXX - XX/XX/XXXX. We did not have access to email or US mail until we returned on the XX/XX/XXXX, but did have cell phone access during the entire trip. On XX/XX/XXXX we received notification that our mortgage payment for XX/XX/XXXX was not made in a timely manner and that XXXX reported us 30 days late to the credit reporting agencies. Upon contacting XXXX, we found that the automated payment was not accepted. When asking why we were not immediately contacted, they told us that they had been reaching out via telephone, but upon further inquiry, they admitted they had the wrong phone contact number in their system and was unsuccessful in reaching me. Furthermore, the letter that was sent to us stating we are late for XX/XX/XXXX was dated XX/XX/XXXX, post marked XX/XX/XXXX and not received by us until XX/XX/XXXX. Clearly we were not notified from XXXX that the payment we had submitted was not processed and immediately upon finding out, we corrected the problem. It is for the reasons stated, specifically the wrong contact information and mailing of the late notice so late in the month, that we are requesting a credit suppression for the 30 day late report they are ruining our credit file with. On XX/XX/XXXX we requested a one time credit suppression due to the unique nature of this problem and Loancare states on their website that " within 15 calendar days following the receipt of an inquiry, we will provide a written response that includes details of how the inquiry has been resolved. This would be XX/XX/XXXX. A resolution was never given. Furthermore, they state that withing 5 days of the inquiry, " we will provide you with a case number and a toll-free number to call to discuss the issue and a resolution. '' This toll-free number was NEVER provided and NOBODY has ever discussed the case with us. This issue has now caused our credit FICO score to reduce by 60 points. We are currently working with XXXX XXXX XXXX XXXX to secure a mortgage on a new home and need to have this issue resolved prior to XX/XX/XXXX ( which according to the XXXX website should have been resolved by the XX/XX/XXXX ) or we will lose our mortgage commitment and our new home. We have made a reasonable request for XXXX to suppress the erroneous reporting based on them having improper contact information and XXXX is acting unreasonably. Especially considering that we have NEVER been late on ANY payment to XXXX or any other creditor in the last 14 years.
Consumer complaint received 2016-12-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TN)

I have been locked out of my home by Chase Home Finance. They had XXXX sheriff deputies attend and they had their charges to remove my belongings and put them out in the yard. Chase says they were acting on behalf of their investor, the Secretary of Housing and Urban Development ; the trustee deed they have had HUD 's name on it as grantee. This is new information as HUD has stated they have no interest in the home and they gave me a statement saying the balance was XXXX and the maturity date was the year XX/XX/2011. Chase is blaming HUD and HUD is saying there is no history of Chase being the lender. Chase now says they were the servicer as they assumed that role when XXXX merged with them, but who appointed them? Chase has caused my home to be advertised for {$1000.00}. So, who is responsible HUD or Chase? The lender, XXXX says that the loan is paid in full and there is nothing due or owing. Chase concedes now XXXX was the lender. How can the servicer now say that the lender can not release the deed of trust and that there is more money owed?
Consumer complaint received 2017-08-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Once again upon reviewing my credit report I noticed accounts from ARS placed. I have NEVER received any information written nor phone calls about this alleged debt until after I asked for validation. I have NEVER been aware of this alleged debt until I pulled my credit reports this year. I mailed validation letters twice via certified mail on XX/XX/XXXX and have received no reply to them according to my request. Under the FDCPA I have a right to debt validation. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did NOT give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. I have asked of ARS multiple times to allow ME to validate the alleged debt by doing the following : 1 ] Sending me a detailed breakdown of fees and any collection costs and medical charges.
2 ] Sending me a copy of my signature with the provider of service to release my medical information to ARS.
3 ] Sending me FULL DOCUMENTATION of what was received from the provider of service.
To this date I have NOT received any of the requested information above. I have only to this date keep receiving the same statements on ARSs letterhead that could belong to anyone and is NOT ... I repeat the ARS letterhead statements are NOT validation and can NOT and does NOT serve as proof that I owe this alleged debt. Reporting information to the credit bureaus that has NOT been validated is indeed a violation and ARS is violating the law. ARS is refusing to validate the alleged debt by not complying to my request as once again I am legally allowed to request validation. ARS must permanently cease and desist any credit bureau reporting of this alleged debt.
Consumer complaint received 2017-08-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (OK)

XXXX XXXX XXXX XXXX Driver 's License # XXXX Address of Property : XXXX XXXX XXXX XXXX XXXX, GA XXXX Current Residence : XXXX XXXX XXXX, XXXX XXXX, OK XXXX I, XXXX XXXX XXXX, hired XXXX XXXX XXXX, the owner of XXXX XXXX XXXX XXXX XXXX. He was hired to repair damages to my home in XXXX, GA after XXXX XXXX. This was an insurance claim as well as addition to the home. XXXX XXXX received a check for {$21000.00} as well as {$10000.00} of personal funds that was transferred from my XXXX XXXX XXXX XXXX account to his. After XXXX XXXX abandon the property, damaged my property which left my home not livable. I know have family displaced/homeless with no way of contacting him. I have left several messages on his cell phones, emails, and I have sent him a certified letter for him to please contact me. XXXX XXXX signed for the certified letter and still has not contacted me or refunded me my funds. I called his insurance company to see if I could file a claim but was denied due to a statement that he was not paid. The insurance company also stated that he was not a license contractor and should have never signed the contract. I researched the database to locate if he ever had a license and was unsuccessful. I am XXXX XXXX military and I am asking that I please have someone assigned to this case and to help me. I do not want him to do the to anyone else. I have a copy of the contracts, checks and a letter from the banks for funds cashed, transferred and received. XXXX XXXX signed the contract XX/XX/XXXX. He started some measurements/materials during XX/XX/XXXX. XXXX XXXX did not start any construction on my home until XX/XX/XXXX/XX/XX/XXXX timeframe. This is from texts and phone calls of the progress from him. After XXXX XXXX received the additional {$10000.00} via funds transfer ( XX/XX/XXXX-XXXX XXXX XXXX week ) no one was able to contact him. My insurance company ( XXXX XXXX ), mortgage company ( PHH mortgage ) as reached out to him several times with no response. I spoke to an attorney about this issue and was advised that the person was a fraud that had stolen my money and that I needed to make a police report ASAP. If you need any documentation or have any questions please call me at your earliest. I can be reached at XXXX XXXX XXXX XXXX. Police report # XXXX Thanks and have a blessed day! XXXX XXXX XXXX
Consumer complaint received 2017-08-18
Product: Debt collection — I do not know
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 contacted transunion asking them to provide me with information regarding my bankruptcy and how they received my information I 've sent them letter and have n't gotten a response I contacted the bankruptcy court asking them how do they share information and do the report to any credit bureau agencies or third party they informed me over the phone that they do n't I 've ask if they can send me that in righting but they said they did n't it is to my knowledge that a credit bureau agencies can not receive any information from my bankruptcy from any other source only from the bankruptcy court and that they are to provide me with the information on how they verify my bankruptcy they have yet to respond I 've tried several time according to the fcra section XXXX they are required to send me proof of how my information was received and they have 15 days from the letter to respond but still nothing they told me over the phone they do n't have to submit me with that but I know that is untrue please help
Consumer complaint received 2017-08-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have contacted ( and made disputes ) with Experian several times about an Fraudulent account appearing on my credit report. Every time I do an dispute with Experian the come back stating that the account has been " verified '' and the debt is mine. Which is completley false. Experian has not provided me with any proof of their investigation or proof that the debt is actually mine. The account in question is ... .. XXXX XXXX Account XXXX : XXXX ...
Consumer complaint received 2017-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pinnacle Credit Services, LLC (CA)

The " XXXX XXXX  '' an umbrella of Pinnacle Credit Services LLC, XXXX XXXX XXXX XXXX and many more under the so called " XXXX XXXX '' has repeatedly put a collection amount for {$2100.00} back on my credit report through multiple transfers of XXXX - or attempts to have companies not underneath this umbrealla try to collect this debt that has been disputed, removed with XXXX and XXXX - XXXX. The account has been removed and again added back to my credit report multiple times. The last time the account was removed, this company had tried selling off a debt to XXXX XXXX XXXX address XXXX XXXX XXXX, SC - I have been violated not only through this company " XXXX Companies '' but also by XXXX, XXXX and XXXX for allowing them to even put this account back on my credit report after it has been removed multiple times.
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Collection account reported by XXXX XXXX XXXX on XXXX/XXXX/16 for the amount of {$130.00} for original Creditor : XXXX. Last Reported XXXX/XXXX/16. Reported on TransUnion and Possibly XXXX. I have paid this bill already and has not been removed, I called TransUnion but they were unable to help me. I called XXXX XXXX XXXX but they referred me to TransUnion, I am being bounced around. I have proof of Payment confirmation for the amount due and will attach it. Please fix this as soon as possible, thank you.
Consumer complaint received 2017-08-18
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: JPMORGAN CHASE & CO. (NY)

COMPLAINEE, CHASE DEBIT CARD XXXX XXXX XXXX XXXX, DEFRAUDS COMPLAINANT XXXX XXXX XXXX XXXX REFUND AND XXXX REFUND.
CHASE MAKES IT IMPOSSIBLE FOR ME TO CHECK MY CHECKING ACCT ONLINE. I KEEP GETTING FRAME.
FINE CHASE, THE BANK TOO BIG TO FAIL WHOSE EVERY XXXX IS BACKED BY THE US GOVT, FOR FAILURE TO PERFORM DUE DILIGENCE.
1-DUE DILIGENCE OF CREDITING ME XXXX  XXXX REFUND
Good Evening XXXX XXXX,
 


I am confirming with you that we have issued a $XXXX credit on X/XX/17 that will be issued back to your credit card ending XXXX.
 
 

Thank you,

cid:XXXX XXXX XXXX
SUPERVISOR, CUSTOMER CONTACT CENTER
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  |  XXXX CT XXXX
Office: XXXX |  Fax: XXXX 
XXXX
2-XXXX REFUND
XXXX   XX/XX/XXXX at XXXX XXXX To	
XXXX
Message body
XXXX Credit Notice DATE: XXXX-2017 ORDER #: XXXX REFERENCE #: XXXX SOLD TO: ======== XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX United States SHIPPED TO: =========== XXXX XXXX  C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX UNITED STATES ================================================================== Ordered: 1 Shipped: 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $XXXX  ================================================================== XXXX-2017: WE HAVE ISSUED A REFUND IN THE AMOUNT OF: $XXXX.
Consumer complaint received 2017-08-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T & I Enterprises, LLC (IA)

I 'm a victim of Identity theft and I need the documents that were held with TEM Capital in reference to FILE # XXXX. I called several times in the past and got no cooperation at all. Those documents that are on file with TEM Capital is needed for me to fix financial life, and move on. I want everything that TEM CAPITAL HAVE ON RECORD FOR MY CASE FILE. EVERYTHING. I WAS WRONGFULLY ISSUED A JUDGEMENT ON XX/XX/XXXX FOR THE AMOUNT OF + {$27000.00} AND ON XX/XX/XXXX IT WAS DISMISSED DUE TO NEW EVIDENCE. NOW I NEED ALL THOSE DOCUMENTS THAT ARE IN THE COMPUTER SYSTEM. EVERYTHING. I NEED THOSE RECORDS FOR XXXX XXXX.
Consumer complaint received 2016-12-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Resurgent Capital Services L.P. (NM)

The Florida Attroney General Investigator XXXX XXXX and the XXXX County Sheriffs Office filed a number of Investigations for Property Loss againist XXXX XXXX and XXXX XXXX in ( XXXX ) for XXXX, XXXX and XXXX. 

XXXX, North Dakota dismissed the outstanding balance of ( {$790.00} ) as it pertained to the Property Damage, Property Loss and Identity Theft filed with the Florida Courts and XXXX Judges. 

XXXX XXXX stated that the Outstanding Balance of ( {$340.00} ) was an unresponsible action of either the Retail Store and or the Online Order Service but, refused to resolve or mediate for ( 4 Years ) and Continuing. 

There are, Escalating Concerns of a Contiuned Fraud, Theft and Scamming of Resurgent Capital, XXXX XXXX and XXXX XXXX. 

XXXX XXXX ( XXXX ) XXXX ( XXXX ) {$3000.00} Property Loss ( XXXX ) ( Phone Service )
Consumer complaint received 2017-08-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. ()

The headaches with XXXX XXXXNavient escalated when the U.S. Department of Education ( DOE ) cancelled XXXX XXXX federal aid certification, after the US senate cut down spending on american students attending foreign medical schools. In the middle of my studies, XXXX XXXX informed me that I am not longer eligible for deferment as per information from DOE. The proposal was to change to another university approved by DOE, but getting transfer credits was impossible and I did n't want to keep on starting over with XXXX. I had the same problem with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX increased the interest fees by putting my federal loans in-repayment/forbearance, while I was still attending XXXX. 
XXXX  did not report directly to the XXXX XXXX XXXX. Hence, XXXX 's reporting process is on paper. My other servicers ( XXXX XXXX XXXX, XXXX, XXXX, XXXX, etc. ) accepted enrollment certificates without asking me to sign extra forms to put my loan in deferment. On the other hand, XXXX XXXXNavient had been refusing to put my loan in deferment and informed me that enrollment certificates were not enough. XXXX XXXXNavient required me to sign an additional form each time I applied for deferment. 

Navient and XXXX XXXX want unpaid interest to be added to the principal balance, even if the original " Promissory Note '' indicates otherwise. 

On XX/XX/2017, I complained to Navient ( loans transferred from XXXX XXXX ). Instead of fixing the problems with XXXX XXXX, Navient responded by adding 15 fake " missed payments '' to my private loan account, increased monthly payment on my private laon, and sending harassing letters to my co-signer. I do n't want to pay/do not authorize my co-signer to pay the missed payments and informed my co-signer to ignore the wave of harassing letters from Navient.