davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rubin & Rothman, LLC (NJ)

for the past 2 years I constantly received phone calls from a company Rubin & Rothman LLC claiming I owe XXXX {$31000.00}. 

I actually was/did have a dispute with XXXX about a loan which was only {$14000.00} as you can see it's reporting on my credit reports as a write-off ( I'm still busy disputing it with XXXX, as it was a result of a accident and my insurance didn't pay the full about. 


FACTS! 

1 ) XXXX told me clearly they will not send it to collections, and it was very upsetting when they charged it off and they mailed me a XXXX. 

2 ) Whatever the case, the amount in dispute was {$14000.00}, as you'll see from a copy of my credit reports I'll attach here. 


however, this so called licensed debt collector called and harassed me that I owe XXXX {$29000.00}, and told me on every phone call ( I wish I would of recorded it ) " WE WILL GET A JUDGEMENT AGAINST YOU AND MAKE SURE TO EMPTY ALL YOUR BANK ACCOUNTS!! '' the last 6 month I simply began ignoring them, which I was dealing myself with XXXX. 


Yesterday I though I'm going to have a XXXX XXXX, I see a Debit of {$75000.00} out from my bank account. I called my bank and they told me it's from this firm Rubin & Rothman LLC which was the plaintiff for XXXX. 


How can such a thing happen, and how can they get away with this!! 
# 1 there's no judgement # 2 if there is a judgement, why am I not aware of it? 
# 3 if there's a Jugdement why wasn't I served? 
# 4 how in the world did they come up with {$75000.00}? I can buy 5 cards with that month. Even I defaulted on 5 cars it wouldn't be {$75000.00} WE MUST STOP THIS CORRUPTION!! 

now XXXX put a hold on my entire bank account, and closed my 2 credit cards, because XXXX suspected it's fraud!!!
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This false reporting is not merely an error ; it reflects " actual " CHARGE OFF '' as TransUnion, XXXX and XXXX knowingly and recklessly disseminated incorrect information. The damage to my reputation has been substantial, and this defamation can not go unaddressed. IV. Financial Harm Resulting from Inaccurate Reporting Due to TransUnion, XXXX and XXXX willful and knowing misreporting, I have been denied credit cards and auto financing, and I do not qualify for an SBA disaster loan that is critical to my financial stability. This violation of 15 U.S. Code 1681n entitles me to recover statutory damages, actual damages, and punitive damages. The financial setbacks I have experienced are directly attributable to TransUnion, XXXX and XXXX irresponsible and unlawful actions Despite my repeated disputes, TransUnion, XXXX and XXXX persisted in reporting this false information, demonstrating a clear pattern of willful noncompliance under 15 U.S. Code 1681i. This blatant disregard for accuracy and consumer rights is unacceptable and has further compounded the harm done to my financial standing.
Consumer complaint received 2018-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (CA)

I was alerted by XXXX, XXXX, and XXXX  that the collection agency by the name of Sunrise Credit a services added a file to my credit report. So I intially disputed it in XX/XX/XXXXas fraudulent due to the fact that I never had a signed contract and/or account with said company. To no avail they did nothing. Fast forward to XX/XX/XXXX I discovered that this company is not bonded in the state of California to collect debts owed or oherwise. It is illegal to try and collect a debt if the company is not registered with the California Secretary of State. This company is not even in Californias database.
Consumer complaint received 2019-05-21
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: Credit Corp Solutions Inc. (SC)

Credit Corp Solutions is claiming I owe them {$830.00} from a debt they purchased from XXXX XXXX, which I am also currently disputing. I do not recognize this debt and they are unable to provide anything bearing my signature showing that I have any contractual obligation to pay them. 

I also noticed another illegal practice ... I'm receiving calls from XXXX which belongs to Credit Corp Solutions on a private line that no creditor has and it's not listed on my credit report. They do not have permission to call this number and they only possible method of them having this number is by phishing and reaching out to friends and family. 

I've contacted the company twice to fix this error and they are non-compliant. The first attempt, they received my dispute my certified mail on XX/XX/2019. The second attempt was again through certified mail, their receipt of my dispute showing XX/XX/2019.
Consumer complaint received 2018-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (PA)

Ive had nothing but problems with pheaa from the beginning. They always made sure I was unable to get ahead of the loan, refused to work with me paying back the loan after I lost my job, and even did an illegal wage detachment against me without notifying me and began this wage garnishment on me just after 2weeks if starting a new job and being without empl Yment for a few months. After losing my job this past XXXX, I contacted them asking them to work with me and they wouldnt budge, I informed the customer service rep that I had no means to keep up with payments and they didnt care, the rep actually stated, well thats why we get people incomes returns. The conversation ended with the rep telling me to inform them when I find a job so they can continue garnishment. After that I never heard anything except getting balance statement with added interest included. The last statement I received was XXXX invoice and it stated that I owed over {$11000.00} and XXXX was projected costs. Turns out I would be filing ladt years and this years income taxesSo I assumed I owed {$9000.00} to pheaa if paid off with with taxes. I was wrong!! Turns out Pheaa quickly learned I was claiming 2 income tax return years, and in midst XXXX, they send me a letter demanding immediate full payment, claiming I was late in repayment ( I wasnt though because theyve made me pay about {$9000.00} in garnishment in a yrs time ). In this letter it said I owed al ost {$120000.00} and payment needed to be made in full. I was supposed to receive {$9700.00} back from XXXX return and {$7000.00} for XXXX return. While my taxes are being processed, I am awarded loan consolidation amongst XXXX to and pheaa both and included all of them in consolidation. I get approved for this but also find out that Not only did PHEAA take my entire {$2000.00} return of {$7000.00} but also took nearly {$3000.00} of my {$2000.00} return. NOT ONLY THIS but THEY ALSO got XXXX to buy my loans from them so all the money that pheaa has taken and robbed from me, A total of over {$20000.00}, but the amt that I had originally owed them ( {$15000.00} ) hasnt changed. I STILL OWE EVERY PENNY as if I never paid a cent to them.
Consumer complaint received 2018-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

On XX/XX/XXXX, we sent a written request to remove PMI from mortgage XXXX. This conventional loan is serviced by Dovenmuehle Mortgage , INC . In our letter, we specifically requested that the seasoning period be waived due to the extensive and substantial improvements we have made to the property in accordance with the written policy provided by their company for this procedure. The improvements were listed in the letter requesting removal of PMI and were verified during the property inspection by the Inspector who conducted the appraisal. 

On XX/XX/XXXX, the appraiser, paid for by us and selected by the mortgage holder, went through our home for hours, taking pictures of all rooms and all angles of the inside and the outside of the house. The new appraised valued our home at {$530000.00}. Dovenmuehle Mortgage has a copy of this document as they forwarded it to us. The appraised value at the time of purchase in XX/XX/XXXX was {$400000.00} and the original purchase price was {$380000.00}. The payoff balance is about {$360000.00}. 

On XX/XX/XXXX, the mortgage holder declined the removal of the PMI based on LTV ratio using the original appraised value of the home ( {$380000.00} ), not the most recent appraised value ( {$530000.00} ). We feel that this was an error on their part. Current LTV ratio of our home using the new appraised value is under 70 %. According to their own policy, they should have dropped the PMI at that time. 

We spoke by telephone with a representative of their company on three separate occasion on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about this matter, and each time we were assured that they were aware of the new, assessed value of the home and that there was a clerical error on their part that prevented the correct decision from being made. We were also told that a representative of their company would file an appeal on our behalf, since the error was admittedly theirs. They also told me on each occasion that we would receive a written response from them in 10 days. The last deadline was XX/XX/XXXX. That date has long passed with no information, no contact and no response from the mortgage holder. 

We sent a written request to appeal their decision via certified mail 10 days ago but have not had any response to that request either. We also requested reimbursement for all PMI money we have paid to you since XX/XX/XXXX. We are unable to contact this company by email and they do not have a direct dial phone number that we can find. All correspondence must be via USPS, which only adds delay to an already cumbersome process. 

I have copies of all letters that have been sent to them, a copy of the new appraisal and the written policy that they sent me detailing the PMI removal process. I also have a written letter from them ( the only written correspondence we have from them ) with the incorrect appraisal amount listed as the reason for denial. I can supply all of these on request.
Consumer complaint received 2018-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC (IL)

On XX/XX/XXXX I paid off my loan in full. The total was XXXX and on XX/XX/XXXX another XXXX was withdrawn from my bank account. When I sent a request to get the refunded of XXXX I was told that it would take 45 to 60 days for the money to be put back into my account. I have tried calling multiple times to get a status on when this money will be put back into my bank account and every time I get the same round about answer that they will contact their accounting department that they can only reach by email and call me back in the next 24 hours. I have not heard back from the company since my call on Tuesday. Since I have never got a status on when the money will be given back to us it seems to be that they either do not have the money to give us or are just not planning on giving us the money back.
Consumer complaint received 2018-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (VA)

Roundpoint Mortgage ( RPM ), received the property tax bill for my home as well as the property tax bill for an additional small piece of property attached to my lot. There is no mortgage on that lot. It was a GIFT. I do not owe a mortgage on the property. I do not have an escrow account for that property either! 

RPM used my homes escrow account to erroneously pay the tax bill on the gifted land. I asked them to get a refund on that payment as it was not part of my mortgage or my escrow. They have the mortgage documents with the Tax ID for the mortgage and the escrow. They will not acknowledge the documents attached to the mortgage. 

I also asked them to get a refund on the delinquent bill they paid from the previous owner. I did not owe the tax bill for 2017 since I didnt own the property. They claim since the land has a delinquency on it that they are permanently attaching it to my mortgage and my escrow. The delinquency belongs to the previous owner. 

I have sent documentation that the mortgage held by RPM is for Tax ID XXXX XXXX XXXX in XXXX XXXX VA. They should only pay the tax bill for that Tax ID number. The bill they are also paying is for tax ID XXXX XXXX XXXX. I have sent documentation to show them this land was a gift and there is no mortgage on it. In addition to try and help me with RPM 's mistake, the county provided me with last years bill ( 2017 ) to show the delinquency isn't mine since I didnt own the property. The tax bill was in someone else 's name. 

I don't seem to be getting anywhere with this servicing company and I need help. My escrow is being used for a property that is not mortgaged and has no escrow account.
Consumer complaint received 2018-05-21
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: CITIBANK, N.A. (TX)

On XX/XX/XXXX I ordered eye and skin cream samples from an online company called XXXX XXXX for {$5.00} and {$4.00}, respectively. I did not see anywhere a commitment to return the produce within 2 18 days, as they claim, or be charged for the samples as well as full price for their product, which the company is claiming. When my credit card came in and I discovered additional charges of {$98.00} by XXXX XXXX and {$89.00} by XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX. I contacted my credit card company and disputed the charges. They closed that account and sent me a new card. The next month, I had charges on the new card from the same companies - {$98.00} charged by XXXX XXXX and {$89.00} charged by XXXX XXXX.I definitely did not authorize those charges and disputed them as well. I returned the product by mail to the company address on the package but have not received any kind of refund or acknowledgement from the company. 

In the documents sent to me by CitiCards, XXXX claims to have sent me a refund ( see attachment ) but none has been received. I can not understand the XXXX response. 

I understand that I made a mistake in not reading ALL the fine print but I believe CitiCards is in error by allowing the second set of unauthorized charges to go through onto my replacement card, especially after I had contacted them. I believe it makes CitiCards complicit in the deception propagated by the skin care companies.
Consumer complaint received 2018-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of XX/XX/XXXX through XX/XX/XXXX. I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (OH)

Two respresentatives scheduled unauthorized, continuous payments of {$160.00} to be debited from my account. I explained to the last respresentative that I would not be able to make any payments on the account and she began to take down my information for the hardship program because I informed her as I did the other representatives, that I was unemployed. Between XX/XX/XXXX and today, 4 withdrawals of {$160.00} have been debited from my account with 4 insuffient funds fees of $ XXXXXXXX/each. Managers and representatives said they could not stop the withdrawals and that I scheduled the payments online. I explained to them that I have not scheduled any web payments since Ive been unemployed and that I explained to the representative that I can not make the payments and interested in the hardship program. The managers/representatives were rude and placed me on hold for long periods of time and said they couldnt stop with withdrawals even though they have access to my account after I requested them to stop.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2018-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX my husband, XXXX XXXX deposited a check into my checking account in the amount of {$800.00}. It was drawn against XXXX XXXX. XXXX XXXX said it cleared XX/XX/XXXX and that the funds were available. On XX/XX/XXXX Peoples United Bank in XXXX, XXXX. XXXX put a hold on the check from XX/XX/XXXX thru XX/XX/XXXX. They say they sent a letter to that effect but I did not receive a letter and dont believe they ever sent a letter. I dont think the Post Office lost a letter just going across town. I found out when I went to use my XXXX store card. I was shocked to see that the card was declined. When I checked to see why, I found out that the payment that was regularly scheduled to hit during the time there was a hold on my check, was sent back. XXXX closed my account and my credit score dropped 22 points. I owed XXXX about {$890.00} and the minimum due was {$35.00}. I had paid XXXX payments totaling over {$500.00} that month. I called them and they reinstated my card but my credit report had already undergone the ding. 

My husband talked to XXXX in XXXX XXXX at XXXX XXXX and she stated that the funds were available on XX/XX/XXXX and that XXXX XXXX would not have communicated anything negative about his account. She opened up a complaint against Peoples United Bank. 

Then XXXX XXXX Sent a response that the check drawn again XXXX XXXX did indeed post and clear on XX/XX/XXXX. I will attach the letter. I have tried to reason with XXXX to no avail at the XXXX Branch but their own bank person, who answered the phone at the number provided on the back of the debit card, also stated the funds were available. Thank you for your help. 
XXXX XXXX
Consumer complaint received 2018-05-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

This is regarding complaint XXXX. The Lender still has not show proof of ownership. The lender is clearly stated as XXXX XXXX XXXX XXXXXXXX A New York Company . This company is not listed in the Division of banking or any New York Data base showing this company existed or has been registed as a lender. I am looking for the transfer papers from XXXX XXXX to another lender that many have purchased this loan. 
Proof not provided in response of complaint XXXX.
Consumer complaint received 2018-05-22
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. (LA)

Hello. I leased new XXXX XXXX from local dealer XXXX  XXXX in XXXX, XXXX . I asked them to mail my bills to my XXXX address, instead they made a mistake and were mailing my invoices to XXXX  address. Due to not getting reminders I was 30 days late once, so they filed 30 days late payment on to my credit report. I had tried to call XXXX and tried to dispute this info with credit bureau and XXXX still refusing to take it off. I also got a letter from local XXXX dealer, who sold me this car stating that they put wrong mailing address in their system, but even with that letter, XXXX credit department refused to delete late payment of off my credit.
Consumer complaint received 2017-10-19
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (FL)

On XX/XX/XXXX XXXX XXXX XXXX disingenuously reneged on our H.A.M.P. modification approval by breaching contract after in good faith successfully completing our trial payment period and then subsequently ignored our right to appeal filed on XX/XX/XXXX for which we request a notice of error and information pursuant to RESPA regulations sent to Ocwen. Their only excuse has been not having received the signed corrected modification agreement which we never received and subsequently requested repeatedly directly and thru our attorney but were ignored by stalling obfuscating contradicting reasons as confirmed on attached email history since their interest is not to complete the modification by due process as required but illegally pursue the foreclosure on our homestead of 38 years thru their mortgage servicing misconduct for which they have been sued by our Florida Attorney General for mishandling of loan modifications on multiple occasions over the past 4 years.I respectfully request that you assure Ocwen complies with their binding legal commitment to finalize my H.A.M.P. modification and not have them breach their obligation by enforcing due process thru our consumer legal regulations to avoid their continued disingenuous mortgage servicing misconduct.
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, 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. (AZ)

I called XXXX and spoke with XXXX XXXX, I advised him of the hard inquiries on my credit report that was due to me being a victim of their misreporting inquiries. The rep stated that I was not a victim of their reporting. Therefore, he remove the inquiries. I asked him why since it was a mistake on XXXX part. He stated he can not remove them.