davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (NC)

The company is PENFED CREDIT UNION, PENTAGON FEDERAL CREDIT UNION MORTGAGE DEPARTMENT Started a refinance in the beginning of XXXX. They have made many mistakes and promises that they are trying to change after I'm vested in this process as well as insulting me for trying discuss this matter. When I got a " manager '' on the phone he said he had to get off the phone soin to go to a meeting so I only had a few minutes to talk with him. I explained that my loan officer had explained that I would receive approximately  {$700.00} towards my closing costs if I applied with them right away so I did. But when I got the documents to sign and fax back that credit was not on there. He said that it changes by the minute and I missed it. Do I asked specifically when that time was..what minute did it change. He said they dont kerp that information because things change so often. I also explained about the multiple mistakes made by loan officer and felt I deserved what she promised me. He said that " They don't throw money at their problems '' referring to me. Then he rushed me off the phone to attend a meeting.

They are asking me continually for same documents over and over because they keep extending process. Now they want to hit my credit report again and keep making excuses why they cant close this loan. Its been over 4 months since application process was started.

They took my money for an appraisal almost 3 months ago.

I want to close immediately but they keep putting it off because they say they are busy.
Consumer complaint received 2020-08-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

I have contacted all 3 credit bureaus for the last 6 months regarding this account and a few others. I also disputed this account with the collection agency and they said they don't have record of this account. Both the credit bureaus and the collection have failed to legally verify this account. XXXX XXXX and XXXX have already removed from my credit report but EXPERIAN refuses to remove this inaccurate, unverified account. I am trying to buy a house and this is adversely affecting me. Please assist.
Consumer complaint received 2020-08-05
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)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX XXXX {$400.00} XXXX/XXXX XXXX {$640.00} DPT EDXXXX XXXX {$7300.00} DPT EDXXXX XXXX {$3500.00} DPT EDXXXX XXXX {$3400.00} DPTED /XXXX XXXX {$1700.00}
Consumer complaint received 2022-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (SC)

In 2017, XXXX XXXX sold their portfolio. Rushmore Loan Management Services received this loan. On the first bill, a fee was noted on the payment statement for over {$3300.00}. Since 2017 several attempts have been made to get Rushmore to disclose why this fee is present. This loan was over paid with XXXX and at times sometime doubled payments in XXXX month. No letters or explanation of the fee has been provided until today. Today a supervisor named XXXX stated that a note on the loan states " XXXX entered into an agreement with the government and the fee assessed during audit is listed as deferred interest payment due ''. 
I have found a press release that shows XXXX agreed to pay XXXX XXXX by DOJ in connection to sales of residential mortgage loans. How is this agreement the issue of the consumer/mortgage holder? Why has Rushmore not address this for 5 years? How many other XXXX service sold loans have this same issue? Why has Rushmore not corrected the erroneous fee accordingly?
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LendingPoint Holdings LLC (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-03-19
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. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2020-10-02
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Asset Recovery Solutions, LLC (CA)

Apparently someone my family put my number on my sister 's account with XXXX. I h ave been telling them for over 3 years to not call my number. I have a letter from them telling them to stop calling me and they said that they would, however a few weeks ago, a collector called my phone number spoofing my area code so I would be more likely to pick up. When I was called, the collector asked for my sister, I confirmed this simply by saying yes and then the collector read off the last 4 of her SSN rather than asking me to confirm it. Then she asked me for her birthday. If I had went any further, I could have easily gotten all of the account details with extremely little effort. As a employee of the XXXX XXXX currently, this is clearly a PII compromise. 
A simple XXXX search for asset recovery solutions reveals that one of their clients is XXXX. I want Asset Recovery solutions and XXXX to remove my information from their systems immediately and permanently. I want a physical letter sent to my house saying so. I am also considering pursuing further legal actions for the continued harassment.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NJ)

A discover credit card was fraudulently opened in my name in XXXX, XXXX. In XXXX, XXXX I reached out to discover to inform them of this matter once I seen it on my XXXX XXXX XXXX credit report and they agreed to close the account however, it's still illegally on my credit report although the account was closed due to fraud. I really need this fraud account removed from my credit report because I never opened this account. I tried to do a report with FTC but they keep directing me to CFPBXXXX Someone please reach out to me so we can handle this illegal issue soon. By law, this account can not continue to be on my credit report if the account was not opened by me. Thank you. Discover account ending in XXXX. Closed XX/XX/XXXX.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On or about XX/XX/2020, I mailed a certified letter ( tracking # XXXX ) to XXXX-Card Services requesting debt validation because they are reporting on my XXXX  credit report that I owe them. XXXX  did not respond within 30 days, so I filed a dispute with XXXX  advising them of the non-responsiveness from XXXX. XXXX  ended their investigation and advised me that XXXX 's is correct and they are still reporting wrong information. XXXX  'XXXX   dispute number is XXXX.
Consumer complaint received 2020-06-19
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. (CA)

I have not received any confirmation on how you have verified the alleged accounts attached in my Exhibit of the credit report and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would proudly present in court if needed as supporting evidence of my trying to rectify the subterfuge that you are reporting
Consumer complaint received 2020-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (CA)

We cancelled our XXXX account in XXXX. We received a final bill XX/XX/XXXX which we called and XXXX balanced with XXXX as they were charging for devices that were free at sign up which had also been an ongoing issue with them. This was our final payment which states no money due. We have since been with XXXX. We have had consistent high credit scores and pay bills completely not accumulating numerous debts or disputes. In XX/XX/XXXX we received a bill for a past due amount from XXXX. We contacted the company right away who stated theyd already sent It to collections and There is no further information on the account. RPM collections began calling daily to discuss payment. We disputed the claim as we have no paperwork showing what phone or device or time period this late fee is regarding. RPM resent a bill for past due amount with no further information. We have no idea what the late fee is for. RPM then stated it was a legitimate bill but could also not provide any information regarding what the late fee is for or how long theyve had it. We are being harassed for payment with no supporting documentation for a bill from a company we have had no business with for two years. We request to know what the late fee is connected to phone/ device, for what time period and where is their records for communication with us?
Consumer complaint received 2023-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I received a letter from Portfolio Recovery Associates stating that the debt they are trying to collect is valid. The included a copy of court documents, and a copy of a bank statement. I contacted the Court and requested all documents related to this case. The Court documents state that the Judgement Creditor is Portfolio Recovery Associates LLC, and the Judgement Debtor is myself. This document dated XX/XX/XXXX that was filed on XX/XX/XXXX by the County Clerk has Portfolio Recovery Associates attorneys signature on it stating " Judgement Debtor ( s ) : MY NAME and XXXX XXXX, and the marital community comprised thereof. Amount or type of satisfaction : FULL SATISFACTION The judgment creditor acknowledges receipt of sums of money owing either in full or in settlement of the judgment rendered against the judgement debtor ( s ) on XX/XX/XXXX in the above entitles court and does hearby authorize the Clerk of the Court to enter a full satisfaction of said judgement in said amount '' " On this day personally appeared before me. PORTFOLIO RECOVERY ASSOCIATES ATTORNEY, known to be the individual who executed for foregoing instrument, and who acknowledged that singing this document free and voluntarily and is authorized to execute this document '' Again, this document was signed by the attorney for Portfolio Recovery Associates and filed by my counties Clerk. 

This document is also notarized and signed by a notary public stating that they have " given under my hand and official seal on XX/XX/XXXX ''
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

COVID19 CARES ACT PAUSED STUDENT LOAN PAYMENTS XX/XX/2020 TO XX/XX/2020. I PLAN REHAB AFTER UNSUCCESSFULLY DISPUTING WHAT IS OWED. ONCE I BEGAN TO PAY, THEY BEGAN TO RUID MY CREDIT SCORE FROM DECREASED BY 107 POINTS FROM NEGATIVELY RUINING MY CREIDT. CARES ACT WOULD ALLOW ME NOT TO PAY UNTIL ORIGINALLY XX/XX/2020 TO XX/XX/2020. IT HAS NOW BEEN EXTENDED UNTIL XXXX 2020. I NEED MY CREDIT SCORE REPAIRED TO THE GOOD STANDING THAT IT WAS IN PRIOR TO REHAB PLAN. THIS IS DECEPTIVE AND FRAUD.
Consumer complaint received 2020-10-02
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. (MS)

COVID19 CARES ACT PAUSED STUDENT LOAN PAYMENTS XX/XX/2020 TO XX/XX/2020. I PLAN REHAB AFTER UNSUCCESSFULLY DISPUTING WHAT IS OWED. ONCE I BEGAN TO PAY, THEY BEGAN TO RUID MY CREDIT SCORE FROM DECREASED BY 107 POINTS FROM NEGATIVELY RUINING MY CREIDT. CARES ACT WOULD ALLOW ME NOT TO PAY UNTIL ORIGINALLY XX/XX/2020 TO XX/XX/2020. IT HAS NOW BEEN EXTENDED UNTIL XXXX 2020. I NEED MY CREDIT SCORE REPAIRED TO THE GOOD STANDING THAT IT WAS IN PRIOR TO REHAB PLAN. THIS IS DECEPTIVE AND FRAUD.
Consumer complaint received 2020-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have applied for XXXX due to recent lost of work hours, but I have never received my XXXX debit card from Bank of America ( BoA ). I have tried to reorder the card three times. None of the card ever arrive at my address. 

Due to this BoA, put a lock on my card, preventing me from reordering another card. I have tried to reach their Customer Protection service, but noone will pick up. I am currently have no way to access my fund.
Consumer complaint received 2020-10-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (NY)

Received notice dated XX/XX/2020 from Commonwealth financial systems for medical bill, service date XXXX.The agency placed the debt on my credit file and after i disputed the information XXXX   and XXXX both reported that the information was verified. 
I contacted the agency and was given the phone number for the hospital billing department, however the representative was unable to verify the information and reported i was the tenth person to call and she is unable to assist because the hospital does not bill for the ER doctors .The hospital representative provided a phone number for the physician billing supervisor and my calls have not been returned.
Consumer complaint received 2023-02-08
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: EQUIFAX, INC. (TX)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX 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 XXXXXX/XX/2021
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (WA)

Requested several attempts to resolve late payment status on a secured credit card closed in XXXX. for the past 6 months thru Wells Fargo Complaints Management Office.. 
Finally received notice and written communication XX/XX/XXXX via email. instead of phone messages. 
I had requested a secured card to be closed in XXXX of XXXX and to use the proceeds from the savings account to pay off the card. and send me any balance that I may be owed me, or if I owe them to send me a billing of what I owed them. as I was closing down a XXXX  due to financial demise in XXXX. Instead Wells Fargo kept the account open and generated additional late fees and higher interest rates until it came to the point of having to charge it off, However they couldn't charge it off as there was a secured savings account covering the card, The account was paid in full by me in XXXX of XXXX and it is not the late charges or higher interest I am concerned about it is the reporting. They reported it as 30 day 60 day 90 day 60 day 90 day late. The payment from the secured account would have brought it current so having multiple 60 and 90 day late with this account at Wells Fargo wasnt accurtate reporting. However they removed the initial 30 and 60 on XXXX  and XXXX  leaving 90,60..90 late on XXXX  beginning XXXX XX/XX/XXXX and on XXXX  they changed it from 90.60.90 to 120.90 120 day late both starting XX/XX/XXXX. When all 3 of these late payments should have been removed with the initial 2 late payments, as the seven year time frame has arrived for removal which XXXX has done properly and no longer reports any history of late pays.. and at the same time XXXX XXXX increased the XXXX  late payments from from 90 ,60.90 days instead now reporting them as 120.90.120 late days. 
Wells Fargo need to eliminate the remaining late payments that were in succession with the original 30 and 60 day late payment that they removed as the time of 7 years for the initial late payment succession began and all reference and history of late payments should now be removed from my XXXX  and XXXX  credit report. .Currently XXXX is the only agency properly reporting no late payments and I would like Wells Fargo to correct the issue with XXXX  and XXXX  .
Consumer complaint received 2020-10-02
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. (VA)

I contacted XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about my statement cycle posting to the credit bureaus before the cycle ended. XXXX XXXX informed me that they had a posting error for a subset of Customers in early XXXX that caused them to post incorrect info to the credit bureaus by reporting that they had late payments on their accounts. To fix this issue they re-reported to the bureaus to correct the mistake. However, they included my account in that batch of customers even though I was not impacted in the initial error. This caused XXXX XXXX to send an update to the credit bureaus for my account on XX/XX/XXXX in mid cycle which was in error because they erroneously included me in the batch of customers who were impacted by the initial late payment error. ( My cycle actually ends on XXXX ) This negatively impacted my and all authorized users on my account credit. XXXX XXXX admitted that they posted my cycle outside the contractual agreement we have however have yet to correct the error with the credit bureaus. Due to this error I did not have the opportunity to make payments in a timely fashion and was not provided the amount of time in my cycle to make my payment before they made a report to the credit bureaus. The negative impact to my credit report has impacted the interest rate I qualify for on my FHA loan for my home that I am building, costing me thousands of dollars over the life of the loan. XXXX XXXX also is discriminating against me because they admitted that they are trying to resolve the issue for the first group of impacted customers however refused to address the errors related to my account. So they are unwilling to have fair and just treatment with all customers. If XXXX XXXX would have reported on my cycle end date then I would have had a XXXX balance and this would not have negatively impacted my credit utilization.
Consumer complaint received 2020-10-02
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. (VA)

I contacted XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about my statement cycle posting to the credit bureaus before the cycle ended. XXXX XXXX informed me that they had a posting error for a subset of Customers in early XXXX that caused them to post incorrect info to the credit bureaus by reporting that they had late payments on their accounts. To fix this issue they re-reported to the bureaus to correct the mistake. However, they included my account in that batch of customers even though I was not impacted in the initial error. This caused XXXX XXXX to send an update to the credit bureaus for my account on XX/XX/XXXX in mid cycle which was in error because they erroneously included me in the batch of customers who were impacted by the initial late payment error. ( My cycle actually ends on XXXX ) This negatively impacted my and all authorized users on my account credit. XXXX XXXX admitted that they posted my cycle outside the contractual agreement we have however have yet to correct the error with the credit bureaus. Due to this error I did not have the opportunity to make payments in a timely fashion and was not provided the amount of time in my cycle to make my payment before they made a report to the credit bureaus. The negative impact to my credit report has impacted the interest rate I qualify for on my FHA loan for my home that I am building, costing me thousands of dollars over the life of the loan. XXXX XXXX also is discriminating against me because they admitted that they are trying to resolve the issue for the first group of impacted customers however refused to address the errors related to my account. So they are unwilling to have fair and just treatment with all customers. If XXXX XXXX would have reported on my cycle end date then I would have had a XXXX balance and this would not have negatively impacted my credit utilization.