davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (LA)

Dear Sir / Madam, I have a Mortgage with Rushmore Loan Management Services. I was current and did not miss a single payment since XXXX. However, the effects of Covid and the circumstances and effects of the slowdown seriously affected my business  in XXXX and I was unable to pay my Mortgage since XXXX of XXXX till XXXX of XXXX. 

Rushmore sent me the XXXX invoice ( attached ) and followed it up with a letter dated XX/XX/XXXX. ( attached ). I wrote a check for the entire XXXX invoice ( attached ) and sent it to them, mailed from the XXXX XXXX XXXX office on the XXXX. of XXXX, As of today, XX/XX/XXXX. they have not cashed the check ( copy attached ) .I have written, faxed and posted my responses, to no avail. Communicating with them is difficult. 

I request your urgent assistance in this matter. 

Thank you, Kind regards XXXX XXXX
Consumer complaint received 2022-02-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC (CO)

Capio bought some old debt from XXXX. When they reported it to the credit bureaus it was listed as a new collection from XX/XX/XXXX instead of the original date. This is from a hospital where I did not receive adequate medical attention yet still received a full bill, despite having insurance. Aside from the cause of the debt, the date should be reflected as XXXX.
Consumer complaint received 2022-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (IL)

Nelnet reported to all 3 credit bureaus that I had a student loan taken out with them. I have never applied for a student loan, I have never received a student loan, and I have never signed a contract for a student loan. This fraudulent loan was taken out with the use of my social security number ; however my name is not on the contract. 

The references on the contract are not my relatives. 

My name and my signature are not on the contract. 

Nelnet refused to provide the original contract to me for over two years ; however continued to tarnish my name and credit score with false and fraudulent reports to all credit bureaus. 

Nelnet reported my name and information to several third parties without written consent to share my personal and private information showing their illegal practice. 

I have filed multiple police reports in which Nelnet has ignored. The police know the individual that applied for this loan in my name and Nelnet will not respond, they continue to fraudulently report my information to third parties. 

Nelnet has information with 3 different names, 4 different addresses, and emails/phone numbers that have never belonged to me. 

This fraudulent loan has caused significant hardship, including killing   my buying power and tarnishing my name and credit score. I was unable to purchase my home because of the FRAUDULENT loan. 

Nelnet is reporting payments being made that I never made on this fraudulent loan along with other false information ( false names, address, phone number ) that Nelnet is providing to the credit bureaus without my consent, knowledge, and without factual proof. Nelnet is engaging in illegal practices that need to be stopped immediately.
Consumer complaint received 2021-02-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

On XXXX  I received a letter from XXXX XXXX stating that my " debt '' was sold to Porfolio Recovery Associates, LLC ( PRA ). PRA send me a bill the same day for {$1100.00} for a XXXX card ( i guess?? ). 

I can't recall the exact day, but I spoke to XXXX XXXX months prior when they sent me a letter saying I owed that amount. I verified all my information and was told that is was NOT my debt as the social security number did NOT match. 

So, today XX/XX/ I call PRA to tell them the same thing I went over months ago with XXXX XXXX. The guy I spoke to a PRA also concluded that the social didn't match but wanted ME to write to them to dispute the debt. This is clearly an issue with PRA and/or XXXX and their skip tracing. 

This matter should have been resolved when I spoke to XXXX months ago. I'm not sure who ( or maybe both ) are to blame - -XXXX or PRA, but I will not be harassed anymore over a debt that is 100 % not mine
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Back in XXXX of 2023 I requested a dispute request to be initiated in regards to incorrect information being reported on my credit report. It has now been more than 60 days and these matters have not been resolved. There still is incorrect information on my credit report and I have not received any type of response that these matters are even being investigated.
Consumer complaint received 2022-06-02
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. (NJ)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT ALL OF THE LISTED BE REMOVED TO CORRECT MY CREDIT FILE I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THESE ITEMS IMMEDIATELY OR I WILL GET MY ATTORNEY INVOLVED.
Consumer complaint received 2019-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of America is claiming that I owe them {$740.00} due to a " duplicate deposit. '' On XX/XX/2019 I made a mobile deposit that cleared my account. Over a week ago I was in the process of making another deposit and noticed my account was overdrawn. I tried contacting Bank of America by calling the 800 number and was told I needed to visit the branch because they were not able to provide me with an explanation other than a duplicate deposit was made. I was finally able to obtain a local number and called them and they insisted I needed to come in. I took time off of work and met with a representative which is stating that the same check was deposited on XX/XX/XXXX and that XXXX XXXX Bank ( issuer ) have retrieved this amount from BOA because this check had already been paid. My employer contacted XXXX XXXX and was told that this check was only claimed on XX/XX/XXXX and they do not have any record of the check being cashed twice. I relayed this information to BOA and they continue to fail to provide me proof that this check was credited twice to my account and thus justify this debit or chargeback on the XXXX. I did not receive this money twice, it does not appear as a credit or deposit twice and actually was just notified a few days ago of the issue in writing by BOA after I expressed the concern ( by the way the letter from BOA is not even dated ) Now, I have automatic debits going into my account for which I am incurring overdrafts charges for because I refuse to deposit my payroll in this account. BOA continue to take my money without an explanation and/or correction of this error. My account was not credited twice for this amount nor does XXXX XXXX show that this check was " cashed '' twice. I have made multiple attempts and I have taken time off of work to address this with BOA to no avail. I respectfully request your assistance with this issue.
Consumer complaint received 2022-06-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

On XX/XX/2021 I was approved for a COVID Relief Mortage Modification, but it required my ex-wife to sign the documents. Because I had an injunction against her that was not possible, so I explained that to the bank rep, and they requested I provide my final divorce decree, so I did. 

Next, they requested I have my ex-wife sign a quit claim deed. However, the County Comptroller informed me that the recorded deed did not have my ex-wife listed, so a quit claim was not required. That was explained to the bank rep and a supervisor, but they insisted they had a deed with her name listed, so I requested a copy of the document and received the " Mortgage '' instrument, which was also recorded with the County Comptroller, but the comptroller explained that was not the deed, but a security instrument on the banks behalf that only they can modify. That was explained to the bank rep, but they insisted I had to submit a quit claim deed. I further explained to the bank that the final divorce decree states it may be used in lieu of my ex-wife 's signature to modify the mortgage because she failed to comply with the judge 's order to sign the document. The bank rep notated the account and informed me it was going to be reviewed by their underwriting department. 

Those events spanned approximately 5 months before I received yet another letter requesting a quit claim. I did not know what else to do and my account changed from " Loss Mitigation '' back to delinquent.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX and so on
Consumer complaint received 2022-06-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

XXXX issued an inquiry to my Experian report. I called them and informed them that I bever tried to get a loan because I never prequalified for a loan based upon my financial history at the time. 

This company stated that they do not have a recollection of my application and never conduct hard pulls for financial service. 

This was explained to Experian credit reporting agency and they refused to investigate and delete the inquiry.
Consumer complaint received 2022-06-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (WA)

We submitted a refinance application to Flagstar bank in late XXXX XXXX. After XXXX XXXX months of being in process, we were told a separate flood insurance was required on our semi-detached garage AKA outbuilding, because our current flood insurance was not inclusive of this building, even though that policy does clearly say inclusive of outbuilding. We conceded but were barred from upping the coverage on this existing flood policy, " it has to be a totally, separate policy. After XXXX policy was submitted, we were then told that the debris & sandbag must be in a separate rider??? After several modifications trying to satisfy their ongoing demands, Flagstar 's representative XXXX XXXX stepped in and dealt directly with the flood insurance company. We finally were allowed to close but for closing we received XXXX different closing docs all with different escrow amounts, receiving the final amount stating an overage in escrow of XXXX on the day of closing XXXX, XXXX. 
In XX/XX/XXXX we received a letter from Flagstar stating that a flood insurance policy of {$250000.00} was required on the semi-detached garage AKA outbuilding? We immediately contacted XXXX XXXX ( Flagstar 's representative ), And sent us an email confirming that this XX/XX/XXXX letter was sent in error and this refinance is CLOSED and resolved internally? We have now learned that a forced flood insurance, effective, we guess in XXXX XXXX, was placed on our property making us then have XXXX flood insurance policies. 
That we have a {$2100.00} shortage and that even though we complied with every demand this mortgage company issued we still got harmed and have no trust / security. 
And we feel that we are being discriminated against because of ethnicity and age.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NV)

I was alerted from my credit bureau that someone had opened an account with Chase under my social security number. I have attempted to fix this issue by calling the number provided and I am unable to get through to anybody and I can not resolve it online myself. I am currently dealing with identity theft and have been for several years and I am having so many issues trying to fix this. I have been unable to get help from anybody and I have reported it to every agency or whatever that I am supposed to and no one has gotten back to me to help me. I'm at a loss. I don't know what to do anymore. This is destroyed my life.
Consumer complaint received 2022-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (WI)

Background : I have a federal XXXX student loan with ECSI Heartland that I took out from XXXX. The original balance was XXXX and I currently have approximately XXXX remaining. I put my account on auto-debit prior to XXXX of XXXX so I wouldn't have to worry about missing a payment. ECSI auto-debited {$110.00} from my checking account each month prior to XXXX of XXXX. In XXXX of XXXX they did not auto-debit my account and I received a notification that month that my loans had been deferred because of COVID-19. Each statement I received in each month thereafter showed that I had a past due balance of {$0.00} ( see attached statements ). 

This morning I was unexpectedly charged {$110.00} dollars ( the amount of my monthly payments ) on my XXXX loan by my servicer, ECSI Heartland. Logging in to my account, the online portal told me I had a past due balance of {$280.00}, and that now, with the {$110.00} auto-debit, I still owed {$170.00}. 

I had not made a payment since XX/XX/XXXX due to COVID-19 forbearance and received a bill of {$0.00} each month since then. I was under the impression that XXXX loans, as federally-subsidized loans, were in forbearance until XX/XX/XXXX and had not received information to the contrary. 

When I called and asked why my account was auto-debited and why I suddenly had a past due balance, the person I spoke with told me my loans were no longer in forbearance. When I asked why, she told me that XXXX XXXX " aren't part of the XXXX Department of Education '' ( WHAT? since when? ) and therefore ECSI didn't have to follow the CARES Act or the deferral issued by the President this spring. 

She also told me that the past due balance was for an unpaid month -- XX/XX/XXXX. When I asked her why it would be unpaid if I had enacted auto-debit, she told me that my auto-debit had been " temporary. '' When I asked why ECSI then was able to suddenly resurrect my auto-debit in XXXX, she could not answer. 

I was not notified that ECSI was not party to all other federal loan regulations. I was not notified that I had a past due balance for two years. I was not notified that my audo-debit would resume this month.
Consumer complaint received 2022-06-02
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. (GA)

my new account shows derogatory on my credit bureaus and in chapter XXXX ... this account was never in chapter XXXX or derogatory///account XXXX  XXXX  XXXX
Consumer complaint received 2022-06-02
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. (OH)

In accordance with the Fair Credit Reporting act Convergent Account : XXXX Bank. # XXXX .... {$2.00}... XXXX XXXX # XXXX ..XX/XX/2021 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NY)

XXXX my XXXX XXXX XXXX XXXX in an accident. XXXX towed it to an authorized auto shop and prepaid for the repair. As such XXXX has signed off on me. 

Auto shop still can't get the part to fix my car from XXXX. XXXX is saying there is no XXXX for the part and I can't get the car since it's a safety part and not allowed to be driven. 

To date I am paying the car loan and insurance on the car while it sits in an auto shop. 

I have no car to drive to work! 

I have called XXXX corporate repeatedly and written emails to every exec in XXXX to get me a loaner, buy my car back or suspend the loan. 

This situation is created by XXXX, not through any fault of my own.
Consumer complaint received 2022-06-02
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. (FL)

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

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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-04-02
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. (MD)

On or about XX/XX/2020, I got a 30 late payment on all 3 credit reporting bureaus from XXXX XXXX   XXXX XXXX XXXX. I called collections department and spoke to a supervisor and she stated it was a computer glitch and it was a mistake. She said it will be updated and removed. It was updated but it wasn't removing because it's still showing on my credit report.
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XXXX XXXX, my bank account was hacked and a total of {$29000.00} was removed from my XXXX account with Citibank XXXX XXXX unauthorized wire transfers. At the same time, my cell phone was hacked and rendered useless. XXXX hours later I was able to reset my phone, which allowed me to gain access to my online Citi account again, and to contact the bank to report the fraud. In the following weeks, I opened a new account with Citibank, filed an affidavit as instructed by the bank, and filed a police report with the XXXX. I was told it could take up to 90 days from the receiving of the affidavit for a decision to be made in regards to the fraud investigation. I called the Citibank XXXX department weekly to check in on the investigation, and was told each time that the investigation was still ongoing and no further decision had been made. Finally, on XX/XX/2022, I received a call from Citibank informing me that a decision was imminent, and that I would get a letter by the end of the week. On Friday XX/XX/2022 I received the letter at my apartment address, which notified me that the fraud claim had been denied. Citibank cited that I had not done enough to secure my account 's security, but did not provide any additional information, and only left a general line to call with questions. 

After submitting several official complaints to Citibank, I received a letter on XX/XX/2022 informing me of their ruling. Citibank once again denied my claim citing that no new information was received or discovered that would change the denial decision. This is again, unacceptable and erroneous, as I have provided my bank statements from XXXX showing that the sum in question was removed from my Checking account on the date specified. I am happy to provide this information again to the proper sources.
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (MO)

Pnc bank located in St.Louis MO on Page and Grand.Committed the perfect crime. I need someone to investigate the fact of somehow I had a believe 9 checking accounts. Hmm guess to confuse Me. Then why over 60 thousand dollars in tele transfers were not authorizedby me nor had I ever made transfers over the phone ever. I wish to know where and to whom the money 60 thousand went. The employees at this bank lie and work together in a stem and know what to do to cover there assets if someone brings up something alerting them to the misdeeds So heads up at how you go about catching these crooks...

Also the telephone calls recordings I need to know how to obtain such evidence to clear myself of a false claim of a felony crime for making a terrorist threat. Sad insane and gross..

Please help
Consumer complaint received 2022-06-02
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX : : : XXXX XXXX Bank # XXXX XX/XX/XXXX ... {$3000.00} XXXX XXXXXXXX Bank XXXX XXXX XX/XX/XXXX .... {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX / XX/XX/XXXX ... {$320.00} XXXX XXXX XXXX XX/XX/XXXX .... {$410.00} XXXX XXXX XXXX XX/XX/XXXX XXXX. {$340.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$130.00} XXXX have reached out to the compaines and they still have not corrected the issue. 


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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.