davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (SC)

Status Company responded on XX/XX/2018 Response Type Closed with non-monetary relief Company 's Response XX/XX/18 Response : Upon receipt of this complaint, we thoroughly searched our database, but did not find any account under the name XXXX XXXX at an address in XXXX XXXX, SC. We did find an account under that name, at a different address in South Carolina with a similar balance, but since Ms. XXXX did not provide the last 4 digits of her Social Security number or her date of birth, we can not confirm that this is the account in question. However, the address she stated as being incorrect in the ID theft affidavit ( XXXX XXXX XXXX, XXXX XXXX ) matches the original address on this account, as provided by our client. We have been working as a third party, attempting to collect the debt on behalf of our client and were given permission to report the unpaid balance to the credit bureaus by our client. Credit Management did not steal or fraudulently use Ms. XXXX personal information. When we reported the unpaid amount to the credit bureaus, we did so under the name XXXX XXXX, at the address on XXXX XXXX. The credit bureaus associated the debt with the complainants credit report, using that address. Credit Management has never received Ms. XXXX XX/XX/XXXX dispute letter or any other request or response from her, prior to this complaint. However, inasmuch as Ms. XXXX has signed a notarized affidavit stating that the XXXX XXXX address is not an address associated with her and that someone has misused her personal information, we have requested that the trade line be removed from her credit report. Although we have electronically requested the removal, it may take a few days to be deleted off her credit report, depending upon each credit bureaus internal processes. While it may not always come across to the consumers with whom we interact, our company places a premium on compliance and professionalism. Accordingly, it is our sincere hope that our resolution of this matter meets with the Bureaus and Ms. XXXX approval. If for some reason it does not, please do not hesitate to contact me directly at ( XXXX ) XXXX ext. XXXX or XXXX.
Consumer complaint received 2019-04-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (IL)

After the vacation of an apartment that my partner and I rented, the apartment after changing the locks and locking us out of the apartment on the last day of the lease agreement and locking our belongings up, They requested for XXXX something for damages, cleaning and key replacement and sent to collections. The collection company IQ Data called my partner on XX/XX/2019 while she was in class and she told her she needs to pay now or represent the balance that their client asked them to collected. My partner XXXX told her she's busy right now and will call back soon as she's free that day to make payment and she's not refusing to pay.The agent kept threatening and wasn't listening to her, kept saying she'll record this as refusal to pay and may be reported to her credit, my partner was furious, hung up and texted me. Being a collector I wanted to call IQ DATA to address this and remind them of FDCPA REGULATIONS. But The agent called me withing the hour and kept telling me she needs a representation and told me the same thing she told my partner. I asked for a supervisor and he wouldn't let me talk and told me he's busy at first before talking to me n kept asking me how do I want to pay. And called it collection tactics.. I told him I'm not refusing to pay and my partner will call back and pay but he said since I'm on the phone pay and get it later from my partner. I told him Im busy and my partner will pay. He them proceeded to say our account is in refusal to pay and will report as refusal to pay. I told him because he's not listening to me cease and desist and I hung up
Consumer complaint received 2019-04-09
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. (NC)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX and XXXX XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 12 and 13 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, it is coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RSI Enterprises, Inc. (GA)

Received notification in XXXX 2019 of an outstanding balance from RSI Enterprises and contacted company in order to gather more information. Paid 1/2 of the medical debt ( {$250.00} of the {$490.00} total debt ) owed to XXXX XXXX over the phone on XX/XX/19 and then paid the remainder ( {$240.00} ) on XX/XX/19. On XX/XX/19 the account is still on my report and is also showing as open. This is hurting my credit score and also hindering me from home purchase. I contacted RSI on XX/XX/XXXX and was informed they would remove the account and send record. The document sent is misleading and I can not confirm if the account has been deleted from my credit report.
Consumer complaint received 2018-09-21
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: Experian Information Solutions Inc. (PA)

I am a victim of identity theft and these accounts on my credit report are fraudulent. I have been living in my house in Pennsylvania since XX/XX/2012. I have never took out a credit card or auto loan ever before. I am a mother of XXXX and this has been causing me a lot of stress. I want these accounts to be immediately removed and blocked from my credit.
Consumer complaint received 2019-06-11
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: Experian Information Solutions Inc. (FL)

An account that was previously removed from my credit reports after an investigation was opened and completed, was reinserted back on my credit report and also re-aged. The Credit Bureau agency did not notify me in writing within 5 business days. I was not notified at all that this account would be reinserted. The account was removed due to inaccurate information and they did not validate the debt. Also the statute of limitation has passed on it from the original creditor. ( XX/XX/2012 ) I also notice that the collection agency " re-aged '' the account by updating the date of last activity my credit report to keep the negative information on my report longer Account - XXXX XXXX {$490.00} I am in the process of buying a home and this is interfering.
Consumer complaint received 2019-08-28
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion, LLC. has been reporting incorrect information on my credit report. I have numerously contacted TransUnion with request to re-investigate or to delete incorrect information from my file, however, TransUnion has reluctantly refused to validate its verification method to confirm information with creditors and/or to delete disputed information from my record.
Consumer complaint received 2019-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Equifax is the worst! I have been trying to obtain my credit report for months. I have called and spend countless hours trying to fix this. Most of the time when I call, the system is updating and this is DAILY! They have my report and no one can access it. I am trying to refinance my house but my Equifax report is nonexistent.
Consumer complaint received 2019-05-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I was told by several officers at fed loan servicing that when I began paying my student loans on XX/XX/XXXX ( under the graduated repayment plan ), that my payments would could towards public service loan forgiveness because my payments were higher than they would be under an income-drive repayment plan, which was the requirement for PSLF. In addition, loan officered ENCOURAGED me to stay on the graduated repayment plan for 5 years, stating that I would qualify for the teacher loan forgiveness program first, and that those 5 years would ALSO count towards public service loan forgiveness. I spoke to several officers and they assured me of these facts. I made payments from XXXX XX/XX/XXXX ( 34 payments ) before someone then told me that I do not qualify for public service loan forgiveness because I was not on the qualifying repayment plan. In addition, they told me that I can not double dip years between the teacher forgiveness program and the public service loan forgiveness. Therefore, I changed my repayment plan to an income based repayment plan and began payments under this qualifying repayment plan on XX/XX/XXXX. 
They are not counting my previous 34 payments towards forgiveness, despite the fact that they provided me this wrong information, and actually encouraged me to remain on this repayment plan saying that I could double dip years for teacher forgiveness and public. I am completely devastated.
Consumer complaint received 2019-05-27
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: WELLS FARGO & COMPANY (CA)

Contacted Wells Fargo via email, regular mail, and telephonically. Have failed to protect my personal information and have subject me to identity theft and preemptively filed a lawsuit seeking to declare the amount charged owed.
Consumer complaint received 2018-09-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cordoza & Wexler Recovery Services (IL)

Started receiving several calls a day from several different telephones numbers leaving a call back number. In just a two day period I received a call from XXXX on XX/XX/XXXX at XXXX XXXX and XXXX XXXX. XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX. XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I called the number back at XXXX XXXX and spoke with XXXX XXXX, ( spelling? ) who is with Cordoza & Wexler Recovery Services. He said he represents XXXX. I said I was trying to return a call to XXXX XXXX XXXX who had left several disturbing messages about taking legal action against me. He said that they worked or contracted for him. XXXX said that he represented XXXX and that I had a credit card with XXXX and was trying to collect a balance due. I told him that I did not recall having a credit card with XXXX and would like to have a number or address with XXXX so I could get something in writing from XXXX. He said XXXX no longer had any information because they closed my account in XX/XX/XXXX and the last payment I made was in XX/XX/XXXX. I also received a phone call from XXXX in regards to XXXX that stated I had 2 accounts with XXXX and that it was now a " felony '' because the balance was over a {$1000.00} but they could drop one of the balances and could change the other to {$300.00}. They sent an email but I only had an hour to make a decision once it was received and opened to respond. I kept telling them I wanted a letter. XXXX said they didnt send letters because they could be altered. The managers name there is XXXX XXXX XXXX XXXX. XXXX knew XXXX. 
I received a letter from Cordoza & Wexler Dated XX/XX/XXXX stating current balance {$710.00} with a approved offer of amount dut {$520.00} with a due date of XX/XX/XXXX but I didn't receive the letter until XX/XX/XXXX. I have not made any further contact with either. I do believe there should be statute of limitations and I feel should be able to get a copy of the original contract with XXXX. But as stated above XXXX told me there was no longer any paper work since XXXX has closed the account.
Consumer complaint received 2020-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a mortgage loan with Bank of America and from XXXX to XXXX, it was easy to make a payment and all my banking information was already in the system. I would call and the payments were debited within a week. Fast forward to XX/XX/2020, I called Bank of America at XXXX and my first observation was that the system was asking me for banking information all over again. I keyed in my information to make my payment in the amount of {$1200.00}, but there was no confirmation number or or the dollar amount. The system used to ask the date that you wanted the payment to post to your account, but on this day I just received an automated voice saying " Thank you '' for your payment and goodbye. I then called back the customer service number and had to wait one hour and fifty minutes to speak with XXXX. After informing her of my payment issue, she gave me the following payment research number : ID # XXXX. I had not received any followup about the initial payment and call. So, I made another phone call on XX/XX/2020 and at XXXX XXXX. The customer service line at XXXX again stated a 90 minute hold time. I just wanted to know if my payment had been received. Instead of waiting the 90 minutes, I called the customer service line, but pressed the option for COVID assistance. XXXX answered the call within a few minutes and confirmed that my payment of {$1200.00} had been received and processed. However, due to the issues with the payment system, my payment still had not been debited from my checking account. I placed another call on XX/XX/2020 at XXXX XXXX  and waited until XXXX XXXX to speak with someone. XXXX stated she would escalate the issue and to check my bank account on XX/XX/2020. Upon checking my account, the payment of {$1200.00} still has not been debited. I usually make my payments right around the XXXX of the month. Today, XX/XX/2020, I wanted to make another payment, but when I called the customer service number XXXX, the payment system asked for my checking account information again. To remedy me not going through the same circumstances as XX/XX/2020, I tried to call and speak with someone to make a payment. Consequently, there was another 90 minute wait time. I am trying to make my payments on time and continue with my good credit. I am not behind on my payments and would just like to find out what happened with the payment on XX/XX/2020. I would also like to be able to trust my lender.
Consumer complaint received 2019-05-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Leopold & Associates, LLC (NY)

I write my complaint through the Consumer Financial Protection Bureau as a last step to see if the insanity can cease the insanity pertaining to my home foreclosure. The documents attached show that I have been active in both federal and state courts trying to justify why XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX can not agree to a loan modification with principal reduction. The original foreclosure dating back to XXXX was eventually set aside, but XXXX XXXX XXXX XXXX refiled a new XXXX XXXX XX/XX/XXXX to start an unnecessary foreclosure action all over again. I am still capable of filing a bankruptcy petition to save my home. However, XXXX XXXX XXXX XXXX has refused to respond to the modification package I submitted XX/XX/XXXX. I believe that I am being highly discriminated against as a member of the XXXX Community, and I desire to have the Federal Deposit Insurance Corporation take a look at my file completely. The fact that I had a full modification package submitted before the new XXXX XXXX was filed is a violation of my rights under the Fair Debt Collection Practices Act amended version of XX/XX/XXXX. XXXX prepared a BOP in XXXX of XXXX in preparation of a principal reduction. So why all of a sudden must I be placed in a foreclosure defense again. A copy of this complaint will be submitted to the attorney on record XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, New York XXXX ( XXXX ) XXXX.
Consumer complaint received 2019-05-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

I write my complaint through the Consumer Financial Protection Bureau as a last step to see if the insanity can cease the insanity pertaining to my home foreclosure. The documents attached show that I have been active in both federal and state courts trying to justify why XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Ocwen Loan Servicing LLC can not agree to a loan modification with principal reduction. The original foreclosure dating back to XXXX was eventually set aside, but Ocwen Loan Servicing LLC refiled a new Lis Pendens XX/XX/XXXX to start an unnecessary foreclosure action all over again. I am still capable of filing a bankruptcy petition to save my home. However, Ocwen Loan Servicing LLC has refused to respond to the modification package I submitted XX/XX/XXXX. I believe that I am being highly discriminated against as a member of the XXXX Community, and I desire to have the Federal Deposit Insurance Corporation take a look at my file completely. The fact that I had a full modification package submitted before the new Lis Pendens was filed is a violation of my rights under the Fair Debt Collection Practices Act amended version of XX/XX/XXXX. Ocwen prepared a BOP in XX/XX/XXXX in preparation of a principal reduction. So why all of a sudden must I be placed in a foreclosure defense again. A copy of this complaint will be submitted to the attorney on record XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, New York XXXX ( XXXX ) XXXX.
Consumer complaint received 2019-05-27
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. (NC)

I have disputed the following errors on my credit report with Experian for years. There results keep coming back verified. I have also contacted the original creditors and ask that they send me the contract and agreement o had with them, they have not send contract or agreement because i never done business with them or benefited from there services 1, XXXX XXXX   # shows chargeoff 2. Social Security Adminsration show collection chargeoff The above accounts do not belong to me. Please help me solve this conflict
Consumer complaint received 2018-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

RE : Experian Report # XXXX ; TransUnion File # XXXX On XX/XX/XXXX, I sent USAA a letter requesting am investigation under FCRA Section 623 regarding tradelines I previously disputed with XXXX and XXXX. These inaccurate tradelines were incorrectly verified by the credit reporting agencies. 

My letter ( attached ) included report numbers from the above-mentioned bureaus ; my name and address ; the account numbers as listed on the credit reports ; and the relevant pages from my XXXX credit report ( attached ). 

This letter was sent via Certified Mail, Return Receipt. USAA received the letter on XX/XX/XXXX ( # XXXX, attached ). 

On XX/XX/XXXX, I received a response from USAA ( attached ) dated XX/XX/XXXX indicating that my dispute was frivolous and requesting the " specific accounts '' and " an explanation of the basis of the dispute. '' I object for two reasons : ( 1 ) All requested information was provided in my letter of XX/XX/XXXX ; ( 2 )  According to the FTC, the Fair Credit Reporting Act allows USAA to determine that a dispute is frivolous or irrelevant under certain circumstances but requires them to notify the person who made the dispute of that determination within 5 business days of receiving the dispute. This means that a letter determining my dispute to be frivolous should have been mailed by Friday, XX/XX/XXXX. USAA 's letter to me is dated XX/XX/XXXX, was postmarked on XX/XX/XXXX ( envelope image attached as Exh. " B '' ) and received on XX/XX/XXXX. Therefore, USAA has violated my rights under the FCRA.
Consumer complaint received 2019-05-27
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. (NC)

XXXX XXXX XXXX XXXX File # XXXX Reported on XX/XX/XXXX This was my car loan for a XXXX XXXX. This loan was paid in full completely in XXXX. They actually mailed me a title and nobody does that unless the loan is paid in full. I do not have this car any longer -- so I could not have transferred the title unless they mailed me one. I have spoken to them directly. Car loan was paid in full. Ask them why did they mail a clear title if car was not paid in full. I do not owe them anything. This credit has been paid in full by myself the consumer. I have no knowledge where they feel debt is not paid. I just know they started calling me asking me for this money. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2019-05-27
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. (NY)

there is a debt on my credit report from XXXX XXXX for {$1200.00} and I paid this debt in full on XX/XX/2019 through the Sheriff 's   Department. I disputed this debt on my report with TransUnion and they found that this debt is still active. 

I have a copy of the paid receipt. I will supply if necessary, but I do not have it scanned in at this moment. I want this debt removed from my credit report. If it is not removed and my report is not repaired to take this debt off, I will be notifying my attorney.