davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (LA)

The mortgage in question was foreclosed on in 2014. This just happens to be the time where my identity was stolen and I could not use my credit to secure refinance. Anyhow, Shellpoint mortgage is reporting to XXXX that the payment status is " LATE '' while reporting a XXXX balance, today. I have been denied credit based on this late status and would like to pursue damages in court. I have contacted ShellPoint several times verbally and in writing and all attempts have failed. Here is the stupidity of the matter, on XXXX they are reporting me paid in the exact same column that they are reporting and defending on the XXXX report as late?!?!?! One way or the other they are wrong at least on one report! The credit bureaus are useless and claim to report what they are given regardless of any fault or error, they simply report no matter what. This has adversely affected my life and my future. 

I want the status of the report to be paid as it is on the other bureaus and I would like a list of attorneys skilled in this matter. The account number is XXXX, this is all I have. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2016-10-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (FL)

Credence Resource Management has been recently attempting to collect on a debt here and Florida where they do not currently have a license to do so. I first requesting validation of the debt and after researching creditor further, I learned that their license is inactive here in the state of Florida yet they continue to report this debt on my credit report. 

I 'm not sure how they obtained this information from XXXX, as I do not nor ever had an account from them, but to not even be legally authorize to attempt to collect this debt in the state of Florida is surprising to me.
Consumer complaint received 2016-05-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credence Resource Management, LLC (NV)

I received an alert from a company called Credence who has placed for collection an account on my credit report on behalf of a company called XXXX in the amount of {$150.00}. I received this alert on both my XXXX and XXXX reports. 

XX/XX/XXXX, I received a collection letter from this same company for this very same account. I sent them a letter certified disputing this account and requesting that they validate this account for accuracy. They failed to do that. I later contacted XXXX about this account and they could not find any information on this account pertaining to my social security number or any other personal identifying information. I never received a response to my letter from the collection company, Credence. I sent them a letter the same day that I received the collection letter so it was within the 30 requested days. Due to the fact that I did not hear from them, I assumed that this situation was closed. I did retain all the records of my correspondence and a copy of my certified mailing and a copy of the letter that I sent to them in case they or XXXX decided to make contact with me again. 

Prior to receiving their letter, I received a letter from XXXX stating that there was a data breach of their records, which I still have. I also sent them a copy of this letter. I never opened up a T-Mobile account, so I did n't understand why I received a data breach letter in the first place. 

When I researched this fraudulent collection that they placed illegally on my credit report, I noticed that they claim that this account was opened on XXXX XXXX, XXXX, but when I inquired about this account XX/XX/XXXX, your company stated that this account was opened XX/XX/XXXX. It appears to me that not only are they not verifying accurate information, they are fraudulently placing an account that I disputed as identity theft a long time ago, they never responded to my inquiry, they recently placed this on my credit report, and they are illegally attempting to re-age this account for their personal collection tactics, for an account that was never opened, never authorized, never benefited by me. 

I have tried calling this company several times, this morning, and I am not able to reach anyone in their office. Thier website states that you are open on XXXX from XXXX-XXXX, but a voicemail keeps picking up. I am extremely upset about this account and their illegally collection tactics. They need to immediately delete this account. I filed a police report this morning. I will also be contacting the Attorney General and the XXXX about this account and this company. If Credence does not remove this account from my credit report immediately, then I will be force me to take civil action against them. I demand that they contact their client and find whoever it is that owes them or XXXX this money, I also demand that they contact the credit bureaus and update my credit report immediately.
Consumer complaint received 2016-06-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We have been denied a loan modification for the third time despite meeting all the guidelines. XXXX XXXX XXXX blames the Investor Deutsche Bank National Trust Company as Trustee on behalf of XXXX XXXX XXXX XXXX Mortgage. This Investor gave a sub prime mortgage and continues to be predatory in regards to how every six months our monthly payments doubles. In XXXX 2016 our payment increased by {$1000.00}. and in XXXX the payment doubles. This Investor gave us a four year trial modification which we paid on time for XXXX. This investor has refused to modified the loan permanently which is a violation of the law. The investor is hoping and praying that we stop making our payments so that they can foreclose on us. Deutshe Bank and XXXX placed a {$93000.00} junk fees and charges which continues to hurt us, because they gave us an interest only payment which does not exist anymore. This Investor does not want us to live their AMERICAN DREAM OF HOME OWNERSHIP.
Consumer complaint received 2017-02-14
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XXXX XXXX, XXXX I deposited a check into my Bank Of America checking account from my ex husband XXXX XXXX for {$2500.00}. It was for court ordered alimony & child support payment for XXXX due on XXXX/XXXX/XXXX ( it 's dated XXXX/XXXX/XXXX idk why ). The check is written out on a Bank of America checking account. It cleared and no problem. XXXX XXXX XXXX I received a call that a check I wrote to my accountant had bounced. After further investigation I found that XXXX had put a stop payment on the check and they deducted from my account 45 days later. I 'm questioning the legality of this action. There must be some kind or rules as to limitations of stop payments can be made. I encountered not only embarrassment from this action but bank & other associated fees due to this action. I want to know if this is legal or not? I have filed a complaint with the bank with no success or answer to my question.
Consumer complaint received 2016-05-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (NC)

The collection put a debt on my credit report which does not belong to me. It is a medical bill which belong to a child. When I called the company regarding the debt they told me I had to find out the information for the child in question and give it to them or that they would continue to report it as my debt. I told them I did not know anything about the child in question. I only knew the child 's name because one of their nicer creditors told me. I called the hospital in question regarding the debt and they said, clearly the debt do not belong to me and they have no record of any debt for me. When I called the collection agency back and informed them what the hospital stated, they said I had to send them in writing a letter disputing the debt which I did. They intern, sent me back a response stating " due to the concerns outlined in the letter I sent, their office has reviewed the account. According to your dispute, the account in question does not belong to you. In order to complete our investigation and resolve this matter, we need your assistance. Please provide this office with a copy of your Driver 's license/Identification Card and Social Security XXXX so we can verify your identity. Am I suppose to send them these documents. They used my SSN when they placed this debt on my credit report. I have been a victom of identity fraud before and am not comfortable with sending my documents through the mail. Why ca n't they just remove the information if they know that it is not accurate. North Carolina Permit # XXXX The company is Syndicated Office Systems , Inc. dba Central Financial Control Inc XXXX XXXX XXXX XXXX. XXXX, CA. They listed this same debt three times on my credit reports under both company 's name Please advise on sending personal identification to collection agency for the purpose of removing debt that does not belong to me. Thanks for your assistance.
Consumer complaint received 2015-11-02
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Neon Newco Corporation (AZ)

Received unsolicited pre-paid debit card. 

When I attempted to contact customer service the phone tree was always looping back to account activation where they requested DOB and SSN. There was no possible way to talk to a customer representative.
Consumer complaint received 2016-09-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

This is added to complaint number XXXX. Evidently, someone changed my overdraft protection which caused a alleged NSF ( not sufficient funds ). This caused a major problem but I still have n't received notice of this. I do n't believe in consequence, Someone from the IRS at the last minute to deny my tax refund due to the four years use of the Hope Credit. The problem is that I never used the Hope Credit because it does n't apply to me. Due to the NSF my check for rent was n't accepted for XXXX XXXX XXXX and suddenly under time they want to remove me even with funds available. I do n't believe that this fraud can be just happening and you still have n't received an answer from Huntington Bank.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MO)

On XX/XX/2023 at XXXX central time, I called my loan servicer Nelnet to request a change of my payment date from the XXXX of every month to the XXXX of the month. The agent I spoke to processed the request and said that it can take about 3 weeks for it to be fully processed. I requested a confirmation of this request being made but they declined to send one. 

I called Nelnet on XX/XX/2023 at XXXX Central time, and was finally connected to an agent at about XXXX Central time. I requested an email to confirm that there was a request to change the payment date but they could not provide one. 

I was advised to email XXXX with my request so that they could send the requested information. When I sent an email to that address, I received an automated email saying that they couldn't respond to my email personally, and to call their customer service back.
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

I made an overpayment on my Fifth-Third Bank credit card. I requested a refund for the overpayment and the bank said they could not perform an ACH transfer for the refund. They said they could only send a physical check. 
The check was sent but never delivered to me. I requested that check to be blocked and issuance of a new one. I requested this 3 times over the course of 6 weeks. 
I was not notified that those requests were all denied until 7 weeks after issuance of the initial check. Fifth-Third bank told me the check has been cashed and they could not issue me a new one. I requested images of the check endorsement, as it seems that the check was misdelivered or stolen and my signature forged. They refused and said they can not help me in any way
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

Remove all the accounts that dont belong to me at all immediately The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Remove all the accounts that dont belong to me at all immediately The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-10-12
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. (PA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2015-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PINNACLE RECOVERY, INC. (ID)

I was behind on my timeshare maintenance dues payments. I owed about {$1200.00} and I paid the past due amount plus the next months payment in full on Friday XXXX/XXXX/2015 on my original creditors website and they accepted as payment in full. The following Monday XXXX/XXXX/2015 I got a call from Pinnacle Recovery Inc. and talked to someone names XXXX. She said I owed about {$1500.00} for the account dues that had been handed over to them. I had not heard from Pinnacle prior to this ever and had already paid my original creditor in full. I explained to her that I had already made payment in full to satisfy the debt and there was nothing more I was obligated to pay. She continued to push the issue and stated I owe them ( Pinnacle ) {$300.00} additional because the account had been assigned to them. I had never heard anything from them or had any contact whatsoever before I made my payment to my original creditor. XXXX called me back about a week later and said that I still owed them the {$300.00} and I said no because the timeline does n't support their statements and I got my payment into my timeshare before ever hearing from them. This company is a joke!!! What do n't they understand about me already paying my debt. I sent certified letters disputing my case and sent emails with the payment confirmation I made on XXXX/XXXX/2015 to show as proof ( see attached documents ). I am really tired of these bottom feeder tactics and have notified my attorney just in case they continue to pursue this. Please see the attached documents showing the timeline of this. Also please note on the Pinnacle Document XXXX attachment the sentence that says " Please do not contact XXXX, The Club regarding this debt until the amount has been satisfied through our office '' I would have gladly followed the correct procedure and paid the debt through Pinnacle but I had already made payment in full to XXXX as seen in my supporting documentation and payment confirmation letter from Worldmark. I am not one to skirt the issue or find ways to be deceptive. I believe in following correct policies and procedures. What I do dispute and have objection too is companies like Pinnacle who try and take advantage of people and not look at the facts. I will not stand for this and and demand this be taken care of now!
Consumer complaint received 2015-08-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (AL)

I disputed the issues with Amsher. This information is off of my XXXX credit report, but not the XXXX report and I keep trying to dispute it to get it off of my credit report, but I can not get anything done. I also tried to contact the creditors and they said nothing showed up and each of them told me to call the other.
Consumer complaint received 2017-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (FL)

On XX/XX/XXXX I disputed a collection company named XXXX who was a Debt Collector for XXXX the Original Creditor Date Opened ( not available ) as a collection, NO Date provided. Balance Owed {$1200.00} reported by XXXX. 

This account was REMOVED for non production of the debt within the 30 days of dispute, because I do n't owe it. Transunion will have the credit report where the company XXXX account was removed within the 30 days. 

The DEBT WAS SOLD to another collection company named AFNI and I was NEVER notified that this collection company was now assigned this debt I do n't owe. On XX/XX/XXXX this negative debt was put on my Transunion Credit report, which has negatively affected my score by XXXX to XXXX points since XX/XX/XXXX. 

I feel that this is an illegal activity under the Debt Verification Rule within the 30 days there was no proof of the debt and be sold to another collection company. There was no written documentation sent to me. The negative debt was removed and then added back under a different name without notice.
Consumer complaint received 2015-12-03
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Nationwide Biweekly Administration, Inc. (MI)

I have had Nationwide BiWeekly Administration ( whom the CFPB is presently suing for fraud ) taking money from me to pay my mortgage ( currently serviced by XXXX ). At the beginning of XXXX, they started sending emails saying their banking relationships were in jeopardy, and by the end of the month they were saying they would not be able to pay any mortgage companies for the foreseeable future. The emails stated any money they were unable to pay out would be returned, and provided contact details to speak to customer service reps. The phone number provided has no option to speak to a human, it plays a recording and hangs up. Their main office number says, at every path on the phone system, that they have a high call volume, please call back later, and then hangs up. I have attempted to call them every day this week, multiple times, with no change. I have tried to contact them via phone and email so that I can get the {$750.00} they withdrew from my bank account back, so that I can make the mortgage payment myself, which was due XXXX. I have received no response, and it would seem by the large volume of their customers online telling the same story, that they have completely ceased communicating with anybody. Meanwhile, a great many of us can not afford to make our mortgage payments without the money they took. They first notified us of the issue at the beginning of XXXX. My payment was taken on XXXX, well after they knew they would have trouble paying it out. I need assistance in recouping my funds from them, so that I can pay my mortgage.
Consumer complaint received 2015-08-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (MI)

EOS CCA XXXX Phone number ( XXXX ) XXXXThis company is trying to collect a debt from XXXX XXXX XXXX social security number XXXX address XXXX they have reported this on my credit report. I am not and never have been XXXX XXXX XXXX. How the hell can these XXXX report someone else on my credit report? The name, address, and social security number are completely different. I just got XXXX to correct this and now the dishonest XXXX are reporting it to XXXX XXXX. I have spoken to XXXX at length on this issue and I do not have any outstanding debts with them. 
If sticking other peoples debts on my credit report is n't illegal it should be