davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc. (CA)

My name is XXXX XXXX. In 2011, I filed bankruptcy. I had a 2nd mortgage on my property at XXXX XXXX XXXX XXXX Ca. XXXX. I was given the option to keep the 2nd as a lien on my property and if/when the property sold, the debt would be paid. That is how I understood it. I received notice that a company called Realtime Resolutions bought the 2nd mortgage. It would always say if you filed bankruptcy, this is not an attempt to collect a debt. I just assumed it was for informational purposes only. Early XXXX, my WHOLE family started receiving phone calls that my home was in pre-forclosure. I thought it was a joke. I pay my mortgage on time every single month. Never once did I receive a phone call from real time resolutions to try to resolve this. In XXXX, I reached out for legal advise. They looked into and said the best thing I could do was to fill out a loss and mitigation application. He advised me that these companies buy the loans for pennies on the dollar and they would most likely settle. I first reached out to family to see if I could borrow some money to help settle. Once I got a good amount of money, I filled out the application. I was going back and forth with them. The first letter offered 2 options. Short sale or {$64000.00} lump sum. That lump sum is more than what my statement says is due. Every month, they say total amount due is {$41000.00}. At the time I filled out the application, I was working full time. On XX/XX/XXXX, I was laid off from my job. When I informed Realtime,  according to XXXX, any changes to my income or assets bears no weight on their decision which is as follows. 
1. pay a lump sum of {$4400.00} and then pay {$260.00} a month until the loan is paid off. 
2. short sell your home 3. pay {$65000.00} lump sum to pay off loan. 

Yes, this is what is happening. I don't have that kind of money. I felt bullied into paying something that was way more than what I owe. They are rude and to do something like this during a pandemic is unacceptable. I offered to settle but never did I imagine it would be {$20000.00} more than what my statement shows. 

I feel like I did all that I can do to try to settle. I can barely afford to pay my own bills let alone come up with this ridiculous amount of money. I live check to check right now and I cant afford another monthly payment. 

I would hope that Realtime is willing to make a fair and just settlement with me. Not one that either breaks my bank of throws me and my family on the streets. 

Thank you
Consumer complaint received 2020-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (TN)

On XX/XX/2020, I paid an outstanding medical debt from XXXX XXXX XXXX XXXX  XXXX to XXXX XXXX XXXX. The amount of the outstanding debt was {$50.00}. I have attached proof of payment from XXXX XXXX XXXX indicating that I have satisfied the debt in full. 

From the documents that I have attached, you will see that the original collection from XXXX XXXX XXXX was reflected on my XXXX credit report as of XX/XX/2020. Once I satisfied the debt, it was subsequently removed from my credit report, as shown on my credit report pulled on XX/XX/2020. On XXXX XXXX, another collection for the same medical debt from XXXX XXXX XXXX in the amount of {$50.00} was reported to XXXX by XXXX XXXX XXXX. 

I immediately contacted XXXX XXXX XXXX to inform them that this debt was already satisfied through another collection agency. XXXX asked me to send them proof of payment. XXXX indicated that once proof of payment was received, the debt would be considered satisfied and removed from my credit report. They also informed me that they received this debt in XX/XX/2020 from Cascade Capital Funding. I have attached documentation showing where I faxed proof of payment to XXXX XXXX on XX/XX/2020. 

Now, XXXX XXXX XXXX is telling me that they can not remove the collection account until Cascade Capital Funding instructs them to do so. I've reached out to Cascade Capital Funding, who told me they have not received anything from XXXX XXXX and that I need to follow back up with XXXX to get this situation resolved. At this point, I am getting no clear answers from either Cascade or XXXX. Every time I call XXXX and ask to speak to a supervisor, I am told that I have to leave a voicemail and that someone will call me back in 24 hours. I've left at least three voicemails and I've never gotten a return phone call. I'm simply trying to have a debt removed that I do not owe. 

All documentation is attached. Also, I would like to make it clear that I have never received any phone calls, letters or correspondence of any kind from XXXX XXXX XXXX relative to this debt. All of the correspondence that I've previously received was from XXXX XXXX XXXX. The first I ever heard of XXXX was when I received a notification from XXXX that this account had been added to my credit report.
Consumer complaint received 2020-08-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MA)

On XX/XX/XXXX, Equifax removed a positive closed account from XXXX, and this seems to be the cause of a 52 point drop in my Equifax credit score from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. After speaking with their customer service line on XX/XX/XXXX, they advised me to get a copy of my credit report to see if that explains the dramatic drop. I received the report on XX/XX/XXXX and called them on XX/XX/XXXX. The only thing on my credit report is the positive reports on the one joint personal loan I've had since XX/XX/XXXX. There are no other accounts, positive or negative, and there are no hard inquiries. 

All the reps would tell me was to contact a credit advisor so they could pull my report and explain. I called XXXX on XX/XX/XXXX, and they can not assist me as it is not a debt issue. 

The issue is with Equifax, and they are unwilling to resolve. Because credit scores and reports are always stressed to be vital in life, the unwarranted drop in only my Equifax credit score ( XXXX and XXXX have had no change ) through no fault of my own is unacceptable and damaging. Their error needs to be reversed immediately.
Consumer complaint received 2020-08-14
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. (AR)

I am soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX XXXX {$410.00} XXXX XXXX {$500.00} XXXX XXXX {$590.00} XXXX XXXXXXXX {$710.00} XXXX XXXX {$400.00} XXXX   XXXX {$500.00} XXXX XXXX XXXX   XXXX {$15000.00} XXXX {$15000.00}
Consumer complaint received 2020-08-14
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 am soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX XXXX {$410.00} XXXXXXXX XXXX {$500.00} XXXX XXXX {$590.00} XXXX XXXX {$710.00} XXXX XXXX {$400.00} XXXX   XXXX {$500.00} XXXXXXXX XXXX XXXX   XXXX {$15000.00} XXXX {$15000.00}
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (MI)

I did not give these companies written or verbal approval to Inquire on my credit profile. I don't have any knowledge of these transactions. These companies are in violation of my rights and would like these inquiries removed immediately. 
( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX  ) XXXX
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have contacted XXXX XXXX, Transunion, XXXX, XXXX, and XXXX and they refuse to remove the invalid bankruptcy on my report.
Consumer complaint received 2022-11-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CCS Financial Services, Inc. (SC)

Credit collection services XXXX XXXX XXXX. 
XXXX, Ma XXXX XXXX Collecting for past due XXXX car insurance from XXXX XXXX company. In the amount of {$2100.00} XXXX. I have never owned a XXXX XXXX. I have never used XXXX for insurance XXXX. Not sure about the collection services, if real or fake XXXX. Afraid to give out personal information XXXX. Talked to them and told them I didnt have either car or insurance provider XXXX. Odd they dont have a XXXX number
Consumer complaint received 2022-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (KY)

I requested a paid in full loan refund on XX/XX/2022 from XXXX XXXX. My loan was transferred after that to Aidvantage. Aidvantage does not have any of my information and can not give me an update for my refund request. I feel as though I am in limbo and have no one to communicate with.
Consumer complaint received 2020-08-14
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. (FL)

I am writing to inform you that you are continuing report in inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-08-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES (NJ)

I attempted to refinance my mortgage with my mortgagor, Provident Funding. The underwriters asked me multiple questions and asked for  a lot of information. I gave them all that was required. They continued to ask for the same information, asked vague and confusing questions, and continued to run the clock until the mortgage lock rate expired. I emailed the mortgage broker constantly. He told me that he would escalate the matter to a supervisor. Even though I emailed him and told him that a supervisor did not get back to me he refused to respond to my emails.
Consumer complaint received 2020-08-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV INC. (VT)

On XX/XX/2020 the IRS said they mailed me a XXXX $ stimulus check. I never received it. The 2nd week of XXXX I called and found out I was issued a debit card. I have still not received it. My name is XXXX XXXX XXXX XXXX XXXX XXXX Vermont XXXX is the original adress of record. I have since moved to XXXX XXXX XXXX XXXX Vermont XXXX. I even paid extra to have the money within 10 buisness days and that never happened. I called the IRS said I must call MoneyNetwork there is nothing they can do for me, I have tried to call MoneyNetwork several times to no avail, even paying extra to get the card I have still not recieved it as of XX/XX/XXXX!!! Where is my money? Why can I not get a human being on the phone with the bank? This is a scam! Still waiting,
Consumer complaint received 2022-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (AZ)

I requested a Public service Loan Forgiveness and Temporary Expanded PSLF application from Aidvantage. I faxed the completed forms to the number given, XXXX on XXXX. I attempted to call Aidvantage XXXX times to confirm receipt of the forms. The last time I called they stated, " We don't process those forms, XXXX does, '' and gave me the phone number to XXXX. I wanted to confirm the receipt of the forms with XXXX. and tried to do so with no success. Then I started reading things online about, your loan will be transfered if you apply for PSLF. I do not want that! I don't even know if I qualify for PSLF, but I wanted to attempt to qualify, and have a dialog with Aidvantage about whether I qualify or not! Now I don't know where my loan is located, and what it's status is! I also filed a complaint about the balance of my loan which rocketed up {$20000.00} when Aidvantage got a hold of it from XXXX. I filed a previous complaint about that to have it reduced back to the correct amount from when XXXX held it, which was approximately XXXX, not XXXX! I'd love it if my loan was further reduced by PSLF, as I have worked in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my whole life. I also have applied for XXXX XXXX XXXX loan forgiveness, which would be XXXX XXXX forgiven as I have a Pell grant. I also want my XXXX paper forms, which Aidvantage still has not sent me.
Consumer complaint received 2020-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I sent a letter to Chase Credit Card Division Customer Service informing them that this would be the last month they could deduct a payment from my XXXX XXXX XXXX account. I  told them that beginning XX/XX/XXXX, they would be in Debt Consolidation under my attorney XXXX XXXX XXXX. 
Chase chose to ignore my letter and took three payments out of my checking account with XXXX XXXX XXXX. I reported this to my bank with supporting documents and Chase denied knowing they were in Debt Consolidation. This is After receipt of my letter and my lawyer placing them in the program. 
XXXX XXXX XXXX gave me a temporary credit but took it back because Chase stated they knew nothing about being in Debt Consolidation which is just crazy. I mailed a letter and called them in reference to this matter. Now Chase is refusing to refund my money even though they have been in Debt Consolidation since the beginning of the year. I am a senior citizen on a fixed budget and have suffered greatly from this whole situation. I would Never do business with Chase again.
Consumer complaint received 2020-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (OH)

Notice for Proof of Claim for the following Account : WAKEFIELD & ASSOCIATES XXXXTo Whom it may Concern : This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2020-08-14
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: AMERICAN EXPRESS COMPANY (GA)

American Express : account ending in XXXX Due to my wife contracting the Corona virus my income was severly impacted for several months. I called my creditors including American express to ask for my payments to be waived during this time. American expressed agreed to waive 2 months of payments for the months XXXX and XX/XX/2020. As i promised I resumed payments in XX/XX/2020. I was informed that the payments i missed would be reported as missed on my credit file. 
I was told there would be no negative reporting to my account due to Covid-19 when i made the arrangements. 
It is illegal for American Express to report my account negatively as I did inform them of my situation with Covid-19 and resumed payments as agreed.
Consumer complaint received 2020-06-12
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. (OK)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$94.00} XXXX {$3000.00} XXXX {$95.00} XXXX {$440.00}
Consumer complaint received 2020-08-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION (NC)

We received a joint car loan from Regional Acceptance in XXXX for a XXXX XXXX XXXX. The amount financed was under XXXX and the monthly payment was {$440.00}. After years of making late payments and incurring fees and penalties, the payoff in XX/XX/XXXX is still over XXXX! We did not know that the loan terms from Regional Acceptance were predatory in nature because we were not told that the penalty for making a late payment was that most of the payment does not get applied to the loan balance. Allocating a small portion of a full payment to a car loan in order to collect more late fees and interest is criminal. At this point, we will be paying on the XXXX for several more years to payoff the XXXX balance. We have already paid over XXXX for this vehicle and it only has a market value of XXXX. How can a company make thousands of dollars off of a customer just because they made late payments? This is predatory and criminal.
Consumer complaint received 2020-08-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

on XXXX I have applied to refinance my mortgage with Santander bank, My credit card was charged {$390.00} as an application fee on XX/XX/18. after getting my commitment the bank has changed pricing and terms in a manner that made it uneconomical for me to do it. on XXXX I have withdrawn my application and requested my fee to be refunded in writing. my application was withdrawn but the bank refused to refund me my fee. there is nothing in the documents that describe that fee as non refundable. 
I have had several communications between myself and the mortgage rep and still nothing. In short I need my fee to be refunded to me.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUN LOAN COMPANY INC. (TX)

I made a recent payment on my loan to Sun Loan and today I get an alert that I am 30 days delinquent. My account status when reported was not delinquent. I am currently not over 30 days late.