davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC (NC)

I was charged XXXX by XXXX XXXX XXXX for a XXXX on XX/XX/14 for a child named XXXX XXXX. I contacted the doctors office to let them know that this wasnt my child my sons name is XXXX XXXX and that he did not receive a XXXX  when he was born. The office did not fix the problem and sold my case to XXXX collections who then added this debt to my credit report. I tried to dispute this charge and it was denied because the creditor claimed that it was a valid collection however when I received the claim in the mail it said the responsible person for this childs medical bill was a man named XXXX. When I spoke to XXXX they said they would remove the collection off my account because they saw the error but this collection is still on my account so nothing has been done by the company.
Consumer complaint received 2019-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (PA)

XX/XX/2016 XXXX I have more than 3 months getting in touch with this company i send an affidavit with all the documents i was ask to send i have called and they told me that they did not recieve any document when i send everything this company asked me to sen by email i got an email asking for my las 4 digit of my social that is my evidence i have send letters to there office certified mail and i am still having problem with this company i called ask for a supervisor and i was told that i was going to get a call back no one has call me this is a balance that i do not know where it is coming from i send police report everything i have done step by step and nothing i don't get a letter a call nothing i need this company to please get in touch with me cause i have bot take nothing with this company that is showing in my credit report.
Consumer complaint received 2019-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: COMMUNITY FINANCIAL SYSTEM, INC. (PA)

I made a deposit on XX/XX/2019 of $ {$460.00} and the teller made me the deposit for {$170.00}, something that is a mistake, the next day, Saturday I went to the bank, and told her that this was wrong, I asked him to look for the check for XXXX that I supposedly hand to her, but they couldn't give me that, because the check which I have in hand was for XXXX. When I went to the person who helped me that day, what she told me went to the bank again to see if her and see if had already solved this, the answer she gave me was, oh you are still aware of that, I was surprised with This answer is my money and work hard for it, I have to ask for this to be fixed and have the diferente of my money rent to me. 

She told me that if I was still aware of that, the teller named XXXX told me that she would look at the camera with the manager XXXX, but every time I go, they tell me something new, neither XXXX or XXXX have checked what happened with that deposit. I have been doing this for years, weekly, they know it, every day or the next day i get paid ... I take my check to deposit and withdraw what is available balance in the account.
Consumer complaint received 2016-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (NV)

Submitted refinancing request with Nationstar Mortgage in XXXX of 2016. They sent documents confirming rate and referred to their appraiser. their appraiser had NO availability until & gt ; 60 days after rate lock. I received NO communication that the rate would be cancelled if the appraisal was not completed and the request submitted within 60 days and in fact they were made aware of the date the appraisal was scheduled from the beginning. I also sent an email asking for confirmation that there would be no problem with a delay in the appraisal until early XXXX which went unanswered by Nation Star but replied to by the appraisal company stating that Nation Star was aware of the situation and it would not be an issue. I was just informed that my request for refinancing has been cancelled because it " timed out. '' but they are happy to begin the process again - at a higher mortgage rate of course because the rates have increased. This is clearly a deliberate method to avoid offering refinancing at the lowest interest rates, especially when they anticipate the interest rates will be rising.
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Transunion is continuing to report XXXX XXXX XXXX XXXX on my credit file despite receiving numerous FTC reports and being notified by law enforcement. I once again demand that Transunion immediately remove this account from my credit profile.
Consumer complaint received 2019-11-04
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: LoanCare, LLC (WA)

Up until now, I have had a very strong credit score ( above 780 ) with a long history of paying on time on all accounts. Shortly after our mortgage was transferred to LoanCare, there was an issue with LoanCares auto-draft system set up on www.myloancare.com,  which caused my XX/XX/2019 mortgage payment to not go through. The result was a hit to my credit score of >100 points, which has significantly affected our family. 

Details of the error : On XX/XX/19 I registered for a web account through www.myloancare.com. I made a web payment on XX/XX/19. On the same day, I went through all necessary steps online to set up auto payments, which were set to kick in starting in XXXX. This auto payment didn't go through due to a LoanCare system error. I didnt receive a notification of delinquent payment that was sent by uncertified mail on XX/XX/19 to an outdated address and I have no record of a phone call from Loancare made on XX/XX/19. On XX/XX/19, I  noticed a significant decline in my credit score due to this account being overdue. The next day, I made a full web payment for XXXX, XXXX, and a late fee. My account is paid in full and there will be no more missed payments in the future. 

I have opened a disputes with LoanCare, XX/XX/XXXX, and XX/XX/XXXX, which have been denied without explanation. I have had many phone calls with LoanCare and XX/XX/XXXX about this dispute. I am requesting website user logs from LoanCare that prove that there was never an autodraft payment set up in XXXX of 2019.
Consumer complaint received 2019-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Machol & Johannes, LLC (CA)

I received a notice from XX/XX/XXXX letting me know a Debt Collector - Machol & Johannes LLC Attorneys At Law - Representing XX/XX/XXXXhad re-added negative remarks to my credit report, reporting I owed them XX/XX/XXXX throughout XX/XX/XXXX from an account opened in XXXX, after XX/XX/XXXX had already confirmed this account was fraudulent and due to identity theft. 

This is not my debt. This debt was due to identity theft and this account was used/opened fraudulently. I had already requested this account to be closed in XXXX withXX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX due to several unauthorized fraudulent charges being made due to my credit card/identifications being stolen and identity theft. 

I initially resolved matters throughXX/XX/XXXXin XX/XX/XXXX, submitted a police report and Identity Theft Statement via the FTC. Experian was able to initially remove thisXX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX from my report confirming this was due to Identity Theft. ( Please see the attached notices from XX/XX/XXXX below XXXX. 

However, this same creditor, XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX has since then fraudulently re-added a new account under my name without my authorization and with Debt Collectors - Machol & Johannes LLC Attorneys At Law- stating I owe them the same amount ofXX/XX/XXXX. They are stating I opened an account now in XXXX ( which is false as I have not ever opened an account with this Merchant in XXXX ). They have also changed the original inaccurate non-payment period from XXXX to now XXXX and is continuing to report I am late on a payment I do not owe and this is a fraudulent account with fraudulent charges. 

( Please see attached Police Report and Identity Theft statement, as well as the notice from XX/XX/XXXX confirming they had already removed the initial account with the initial ( inaccurate ) non-payment remarks from XX/XX/XXXX XX/XX/XXXX 

I would appreciate your help with this. 
Thank you,
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I have contacted Experian on several occasions to have unverified accounts removed from my credit report. The accounts were blocked in the past then later added back to my report. I have written letters to Experian asking them to verify the accounts according to the FCRA 609 ( a ). So far the accounts have not been removed from my report or verified. FCRA 609 ( a ) says you are required by federal law to verify through the physical verification of the original signed consumer contract. This has not been done.
Consumer complaint received 2019-10-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC (IL)

I emailed company on XX/XX/19 and then I also called and rescinded the wage assignment. I sent an email to the CEO office and also spoke to several representatives to try to reach a settlement for the principle amount of the loan. The amount when I asked for the settlement was XXXX. This would have had the company write off about 200 in interest only. There was a lost of income in my household. So to prevent a long term impact to my credit and finances, I asked to settle the account. I was informed that I had to be at least 61 days behind and that if I made a minimum payment of XXXX that I would stay in a positive balance. This did not make sense as this would also keep the account in a current status. This would also cause more interest to accrue over time. I wanted to settle the account, close the account and avoid negative impact on my credit, and more fees. 

The company refused to work with stating the contract was enforceable. This would benefit the company to continue to accrue more interest and fees over a period of time and impact the consumer in a negative light.
Consumer complaint received 2019-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

Currently Freedom Mortgage Corporation is blocking me from submitting my payment online. I have had to pay my mortgages over the phone and work through their {$15.00} phone payment process. I have asked them to fix this since XX/XX/XXXX. Their tech, XXXX at extension XXXX was supposed to call me and work this out. He has several messages from me and the latest we set up a time for today, XX/XX/XXXX XXXX XXXX to resolve and he was a no show. I can only conclude that FMC is now blocking me from making electronic payments. This goes along with their threats, RESPA violation, refusing to pay their bills and refusing to send me the required closing docs I have repeatedly ask for and have not received. 

Thank you, XXXX
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I need to have my name and address corrected on my credit report. My name is XXXX XXXX XXXX XXXX. my DOB is XXXX my Social Security is XXXX. I live at XXXX XXXX XXXX XXXX OHIO XXXX. I AM SELF-EMPLOYED OWENR OF XXXX XXXX XXXX. PLEASE REMOVE ANY OTHER NAMES AND EMPLOYERS FROM MY CREDIT REPORT THEY ARE NOT ACCURATE! THESE ADDRESSES THAT APPEAR ARE NOT MINE PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX OH XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2019-10-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TOLL BROTHERS INC (FL)

In XX/XX/XXXX we started building a home with Toll Brothers, in order for them to start the building process you need to be pre qualified by the mortgage company they own TBI. 
At the time ( XX/XX/XXXX ) the interest rates where high, we where lured to get a rate lock agreement for 1 year ( takes a year for the house to be built ) We where also considering going with another lender ( XXXX  XXXX ) this year the mortgage rates improved and we decided to go with XXXX XXXX TBI was made aware of this, they cancelled the loan process but enforced the rate lock fee of almost XXXX dollars We asked them multiple times to waive this fee since we are working with another lender but Toll Brothers refused, now they are including this fee in the closing costs via their Title company XXXX XXXX XXXX ( agency they also own ). 
If we refuse to pay it they will not allow us to close with is supposed to be on XX/XX/XXXX and we will be at default, losing thousands of dollars.
Consumer complaint received 2021-03-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/2021 I made a purchase with XXXX using my Bluebird American Express card. I was double charged for the amount of {$170.00}. 

On XX/XX/2021 I went to XXXX. I went to pay using my Bluebird American Express card. My bill was {$130.00}. I was unable to use my Bluebird card. It said that it was " unable to process ''. It was not declined. I had to use my Visa debit card to pay for my bill. I was unable to check my app to see what was going on, also customer service was unreachable. You were greeted with a message saying " due to high call volume no one was able to take your phone call at this time ''. Really? My money is unavailable. And no one can take people 's phone call? 

I was able to finally log on to my app at XXXX. I was ENRAGED to see I had a XXXX DOLLAR balance. I was charged by Bluebird {$150.00}, and charged again {$140.00}. My charges say " ON HOLD ''. 

I thankfully do not ever use this account. However, this is disgusting. I can not reach anyone at this company. I called the main number to American Express a few times, and I called XXXX twice for my money back ( they said I have to call the card company ). I waited on hold for one hour to get through to someone, explain my situation, tell them I want the charges reversed to get my money back TO GET LAUGHED AT AND HUNG UP ON. I would like an answer, I would like my money back, and I would like this company prosecuted!!
Consumer complaint received 2019-10-16
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: South Carolina Student Loan Corp (GA)

This is a private XXXX 's Loan from SC XXXX XXXXs Student loan,   obtained when all funds were exhausted in XXXX while I was in College studying to become a XXXX. I moved out of SC and had been paying on the loan until losing employment. The loan was placed into either forbearance or Deferment sometime ago but when this expired, I called the private XXXX 's student loan, to request some assistance with making payments. 
Was told that there were no options, as this was not a normal/Federal Student loan. They would not even accept or approve my request for a Hardship consideration, and told me in XXXX, my loan was sold to a collection agency, and not to send any payments to them. 
XXXXWas just contacted yesterday via letter by SC private student loan , threatening to garnish any wages that I have or seize any taxes that our family receives.
Consumer complaint received 2019-10-16
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc. (AZ)

XX/XX/XXXX Amount {$3800.00} Phone call about the debt on XXXX XXXX Send a letter to my address the date the the letter was XXXX XXXX Debt collection company : Central Portfolio Control , Inc. 

Original creditor : XXXX XXXX XXXX XXXX Current Creditor : XXXX XXXX XXXX, XXXX  I graduated from this college in XX/XX/XXXX. The school had a very strict policy that each student must clear all the expenses before they could graduate and get an official transcript. Also each student must have a meeting with a person from financial department to go over the tuition and student loans, if it had been taken out. 

More over the company that managed the school XXXX XXXX XXXX XXXX XXXX, abruptly shutdown due to its financial situation, causing a lot of people to lose their jobs. 

Therefore, there is no way that I owe this debt as they claimed.
Consumer complaint received 2019-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

I called this company numerous of times Navy Federal Credit Union because I was being fraud 2xs they gave me a provisional credit and. A new card ok cool then come back and say we didnt find any error so we closed the case ok a second time same thing how do these people keep getting my information you guys advertising that you will protect my money but definitely not showing it and Im definitely not gettin. Protected at all and now theyre holding on to my money saying that I cant get it out because its theirs when some one overdrafted my account Im closing this account out I see why no one wants to come here because yall are bad for business and definitely not who you say you are and Im posting this situation in social media, news companys etc so the whole world can know that you guys are fraudulent and definitely dont protect other people information i am now behind on my bills thanks to NAVY Federal and give me my money or Im getting a lawyer involved in this and thats that.
Consumer complaint received 2023-03-18
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. (AR)

It appears that my credit file has been compromised. Again, I was going through my records & noticed information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files : 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 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (TX)

I filed for chapter XXXX bankruptcy in XX/XX/2018. I also had my house burglarized during the same month - a police report was filed. Many items were stolen, and my credit card. Fraudulent charges were made on my card. The day before my discharge they told my attorney they are disputing the discharge. 
My attorney informed them the charges were fraudulent and to disregard them. We believed rightfully that to be the end of it. In XXXX I receive a notice of default judgment. THe credit card company and their attorneys fraudulently and under perjury claimed they served us notice of a lawsuit for which they did not. There was no process server, my attorney had no knowledge of it, and the county clerk said that they only have a sworn statement from their lawyer, now a criminal, that he properly served the notice of the lawsuit. 
Neither me nor my lawyer were given notice, and as such no chance to defend the allegation, or present the police report that would have easily cleared me of wrongdoing - especially since the credit card policy is no liability for fraudulent charges. 

Unfortunately, this blatant lie will cost me no less than {$1500.00} in attorneys fees to countersue and have the court date reset and judgment dismissed - which obviously if I just filed Ch XXXX I DO NOT HAVE. 

The attorney claimed he served notice via first class mail, which is not proper serving of A LAWSUIT. I have attached a letter that arrived -after- the lawsuit was finalized ( dated by the post office )
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA (SC)

Balances showing {$200.00} and some dollars. Was report by FedLoan Servicing however when I spoke to them they said that I was still in good standings and did not owe them anything that I'm on pay-as-you-go with a payment of XXXX amount. 
I would like this removed from my credit due to damages that it's done to it