davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

Requesting information in regards to my VA Senior loan with Wells Fargo. Also wanted to know was my home ever foreclosed on or not prior to the release of Mortgage from Well Fargo? Because there are some discrepancy in regards to my past VA home mortgage loan with Wells Fargo in regards to past started foreclosure proceeding that were dismissed, as well a Deceptive practices and fraudulent activity. I have also requested copies of my entire past bill itemized payment history but have yet to receive it from Wells Fargo which was over 7 months ago now. I also wanted to know was the taxes on the home paid for by wells Fargo until XX/XX/2018 upon the congratulation letter and release of mortgage to me? Was the home foreclosed on prior to the release of Mortgage recorded on XX/XX/2018 being that all the parties were a part of the foreclosure lawsuit case number XXXX XXXX County Illinois Chancery court? The foreclosure lawsuit case number XXXX case was dismissed by Wells Fargo, and then I was given a release of mortgage stating that I was the owner of the home by Well Fargo attorneys as well? Wells Fargo attorneys stated I saved my home and I have evidence of that. Im requesting some answers. Please review the documents and exhibits submitted with this complaint. This is only 25 % of deceptive practices evidence that's submitted in this complaint.
Consumer complaint received 2021-03-09
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: Certegy Holdings, LLC (MT)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  - XXXX XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  XXXX  ( Original Creditor : 08 XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-09-27
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: Experian Information Solutions Inc. (CA)

I paid off a debt in full for XXXX XXXX I disputed it twice, I tried to upload docs, satisfaction of judgement is in. My score went done twice due to the error in not removing it my score was a XXXX and now and because I disputed and they kept it on my score went down
Consumer complaint received 2019-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MN)

XXXX XXXX is claiming I owed them and sold the debt to a collector who has refused to respond to certified mail regarding this debt. I do not owe XXXX any money, I was out of contract when I cancelled my plan with them in XXXX, I believe XXXX or XXXX, I would have to check my records further to confirm the year.
Consumer complaint received 2018-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I went to CapitalOne 's web site to pay my credit card bill for the month before it was due. After logging on, I received an error that said 'We 're sorry, we hit a snag Looks like something went wrong, but we're working on it. Give it another try it a bit '. I went back a few day later and paid the bill. I was then assessed a 'late payment fee '. I complained about the fee after I had paid it. I told CapitalOne about the web site error and the refunded the late fee. I told them to remove the late payment from my payment history. They keep saying they refunded the late payment fee because of the server problem. I have demanded that they remove any record of a late payment in XX/XX/2018 and they say they can't do it. I want it removed immediately.
Consumer complaint received 2023-02-10
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. (DE)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious account. I think you have not validated this account : XXXX XXXXXXXX Balance {$4200.00} This was already included in my prior COMPLAINT, and I'm including it again.
Consumer complaint received 2021-03-09
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: ID Analytics, Inc. (MT)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
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 I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED.
Consumer complaint received 2021-09-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA)

I was granted a forbearance under CARES. Now Rushmore Loan Management has sent me a letter saying I'm " delinquent '' and demanding {$35000.00} by XX/XX/21, which is 8 days from now ( their bill arrived yesterday, XX/XX/XXXX ). They're charging some late fees and the entire amount due since the forbearance began, as well as some additional amounts that are unclear, as the itemized numbers they list do not equal the total they're asking for.
Consumer complaint received 2021-07-22
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 have disputed these accounts with the credit bureaus already, but until now I'm still seeing these inaccurate accounts being reported on my credit file and now it badly hurt my ability to obtain credit. I'm certain that my rights as a consumer protected under the law has been violated.
Consumer complaint received 2019-05-03
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (WA)

I have a private student loan through Navient originally Sally Mae for XXXX dollars for school. I have paid over XXXX dollars in the last nine years. some how the loan itself is still only down to XXXX dollars. They continue to raise the interest rate which raises my monthly payment but as you continue to pay the interest is suppose to eventually go down. I will add every single transaction in the following pages as well from the time they gave me the money to the time I started paying off the loan. Either case, its been years and because of this I am still broke every month with a child and wife. I normally wouldn't care as long as my amount owed goes down but I don't understand how XXXX dollars later I have barely made a dent into what I owe. At this rate I will never be done and have paid them over XXXX dollars. When I contacted them they had no explanation or reason why except that its a variable rate which means the rate went up and they are able to pull all interest before the principle balance. Its a vicious loop I am stuck in. I also have a federal loan too but that is going down without any repercussions as a borrower, I am happy to continue to pay. Its just this one in particular I am upset and baffled by. XXXX dollar plus and nothing has changed in nine years. If you could please look to see if it is legal and help in any way possible that would be great because my monthly finances are a great stress in my life. I work hard and continue to pay my bills with nothing to show or prove for it with a child. 

P.S. 
I did graduate but did not go into my field. This entire nine years I have paid has been out of my bank account. Yet to get my mother off the original co-signer contract I need proof of graduation. If I am the one paying then why do they need proof of graduation. It took weeks to find! seems obsolete to require proof of graduation when I have individually been the one paying.
Consumer complaint received 2019-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (VA)

I have a secured Discover card. I have made payments online since I first got the card. I have never had a payment returned by the bank. My payments are always good. I made a payment on XX/XX/XXXX of {XXXX}. I called because my payment hasn't been applied to my card. The XXXX reps I have spoken with gave a ridiculous answer that said Discover could hold my payment for XXXX days for no good reason, just because they feel like it. How nice. I made a timely payment as always and they can just hold my money for however long they feel like it. This shouldn't be allowed. I can see if I had bounced payments before but I have good standing with the card. If they are doing this to me, they are doing this to a lot of other unsuspecting cardholders.
Consumer complaint received 2021-09-23
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (AZ)

I received a letter from XXXX XXXX XXXX regarding loan consolidation and loan forgiveness. After contacting XXXX XXXX with the customer service number provided in the letter, I spoke with a representative who explained the letter and after hearing about the benefits I decided to proceed. No payments that I've made to XXXX XXXX XXXX have been used toward my student loans and no paper work was filed on their part ( even with the outrageous service charge ). My first service charge was for {$890.00} on XX/XX/XXXX and I've been charged a monthly fee ( which I understood to count towards my loans ) of {$39.00} until closing my checking account in XXXX of XXXX. After trying to contact them to inquire where my payments have been going, my phone number has been blocked, emails are left unanswered and I no longer am able to communicate with this company.
Consumer complaint received 2019-09-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MARINER FINANCE, LLC (NJ)

XXXX from Mariner Finance ( XXXX ) XXXX called me at my place of business at XXXX XXXX EST on XX/XX/19 after I asked them to stop calling me at my work number and they said in a prior call that they would remove the number from their records.
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried since around XX/XX/2022 making numerous phone calls to Transunion regarding an account on my credit report called XXXX XXXX. I disputed this charge with XXXX XXXX  and Transunion, because I was not living at the address at time of service. Obviously belonged to someone else. The dispute was suppose to be in my favor through all credit reporting agencies. BUT XXXXXXXX XXXX continues to show up on my report though even the supervisor at Transunion states it is not on my report. So I had hard copy sent to me. Not only can I continue to see per their website but it is on the hard copy they sent me. I have been dealing with this issue since XXXX even being told it was removed in XXXX. This is a fiasco of chaos. I need help please. On the hard copy page 10 of 11 third company down is XXXX XXXX It is listed under Account Review Inquiries. I have been told it doesn't affect my credit score. Don't care it is still on my credit report and it is not something that belongs to me so it should not be listed any where. Correct?? Please help me. Thank you.
Consumer complaint received 2019-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have a 1st Mortgage with XXXXXXXX XXXX  XXXX XXXX, and serviced by SPS Portfolio Servicing,  XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX. 

I had a pending loan modification that expired XX/XX/19 that I was paying ap. {$1500.00} per month on. On XX/XX/19 the servicer sent me a notice of the expiration of my 5 year modification with a demand for a new monthly payment of {$3800.00}, and beginning XX/XX/19!! This is a {$2300.00} dollar per month increase!! 

They informed me that I could submit for another modification, which I did. After all the paperwork I provided SPS informed me that XXXX XXXX does not provide this service any longer. I appealed this decision to give me 1 more year and they declined. 

They " hang their hat '' on the area of the modification agreement that says borrower may suffer from payment shock at the end of their modification period. Payment shock according to- XXXX XXXX XXXX underwriters is a 20 % increase in the borrowers payment!! Mine is 250 %!! This is a owner occupied mortgage! They should have spelled this potential increase out 5 years ago. I am XXXX XXXX XXXX and have been in my home 20 years, they gave me 2 options, to sell, or refinance! Please help! XXXX XXXX
Consumer complaint received 2021-07-22
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. (AL)

I XXXX XXXX want field a complaint with XXXX, Transunion, XXXX  because they inaccurate information on my fie that should not be on credit report Such as Chapter XXXX Should not be on my credit report because XXXX have removed my chapter XXXX and also XXXX, Transunio, XXXX  was sending credit reports saying Thant I was XXXX XXXX XXXX and my name is XXXX XXXX. .I XXXX XXXX pay my on time and you credit Score shoul d be higher than XXXX XXXX, because all of bills come out of my checking account not five every month. I am a and sure would appreciate if u could resolve thes problem with the credit agency.
Consumer complaint received 2021-03-09
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: Experian Information Solutions Inc. (NJ)

Experian is reporting incorrect credit score information about me and/or is profiling against me in that processes in references to credit scores. I have been placed in a category based on a model that is erroneous. Its effecting my ability to get the appropriate rates and/or its erroneous.
Consumer complaint received 2021-07-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Service, Inc. (Indiana) (IN)

Allied showed up on my credit report last year for medical debt and they have recently filed a suit against me in small claims court. I contacted them to let them know I did not know who they were or why they were reporting these debts and to verify the debts. These accounts were from the local hospital. I was told that if the debts were mine and validated, that I could not pay the hospital and would have to pay Allied directly. XXXX told me this on a phone call XX/XX/2021. 

I called the hospital billing department to get them to validate the debts. They sent me the bills in the mail. Allied also sent me bills that all added up to {$800.00}. The bills that Allied sent me added up to the bills the hospital sent. 

I paid the hospital this amount directly, as they recalled the debt from Allied. This happened on XX/XX/2021. I have never had any transactions with Allied, because though they verified the amount, they never proved that they had the right to collect the debt. They are continuing to report inaccurate information on my credit report. They never updated these multiple accounts as disputed, and now they aren't removing them, as they no longer hold the debt. The hospital recalled it, and it has been paid. 

They are also stating that they will continue the lawsuit because of two bills that they did not and can not validate. I spoke with XXXX and XXXX on the phone on XX/XX/2021, and they said that even with the paid amount to the hospital, they're still collecting on two additional accounts that they did not validate when I asked. They had the opportunity to send these to me and did not. 

Allied also had personal medical information that was much more than the minimum amount of information they need to collect on debts. They sent me with their validation what procedures these bills were for, which is a huge HIPAA violation. I can prove this with their validation paperwork. Also, on the phone call I had with XXXX on XX/XX/2021, she almost slipped up by mentioning one of the procedures that one of the bills was for. 

They need to quit reporting these paid and inaccurate medical bills : - The debt has been recalled by the XXXX, and they are not the hospital. 
- The debts were disputed but not reported as disputed. 
- They provided me with my personal medical history that they should not have had.
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dobberstein Law Firm, LLC (WI)

The tactics of staff when you call Doberstein Law firm is harsh and no way treat people. Originally I was served papers over 1 year ago during the time of the pandemic. There office was closed I left messages attempting to reach as I as well faced with loss job due to pandemic. I appeared at court and the judge advised the attorney and myself to try work things out. I called the office and set up an agreement. The balance was around {$2000.00} and I paid consistently weekly out unemployment funds. I had to end as funds ran out XXXX XXXX XXXXXXXX XXXX. I called XX/XX/21 to advise working now and get something set up. Balance {$690.00} I advised just started working if settlement can do or get weekly payments set to. The rude, dont know how talk people like we filed suit and our client would want us go for suit. WHY? I asked speak with an attorney and advised attorney will advise me same. Im sure person answering phone should not be able advice any legal advice and/or advise what an attorney could advise me. Im trying to pay. No one has called me to follow up on account but when I call its we filing suit. Thats scare tactic and their office was closed so to staff should be understanding if they was without income as we all are now coming out this pandemic. I get it people owe, but if someone is trying you dont turn down accepting something or trying work out options. Better ways to treat n talk to people