davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-11
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CO)

We have been dealing with Rushmore Loan Management Services Manager XXXX XXXX ( direct phone  XXXX ). On XX/XX/XXXX he informed me that a letter was sent out in XXXX of XXXX with an offer of XXXX to settle a second mortgage lien that was discharged in a bankruptcy. He asked me to get proof of funds and allow him to settle for up to XXXX. I sent him proof of funds from our bank that day. After that he never got back to me and I was never allowed to talk to him. Then we received a letter dated XX/XX/XXXX stating that Rushmore was transferring our loan to XXXX XXXX XXXX as of XXXX XXXX, XXXX. We then contacted XXXX XXXX who was our new Manager at XXXX and explained that we were in the process of setting with Rushmore when they suddenly transferred the account. She informed me that if we could get a copy of the offer letter from XX/XX/XXXX that they would accept and settle for that amount, I asked her if she didn't have that in her history and she said they did not get any information from Rushmore and we needed to request that directly with Rushmore. I did this repeatedly and was told each time that it would go out in the mail that day. It never came on any of the requests. I then went back to XXXX and was informed I had a new Manager XXXX XXXX. I explained all to her and she again said they would accept the XX/XX/XXXX offer if we could get a copy. She even did a conference call with Rushmore and me stating who she was and what we needed. Again no copy went out. On XX/XX/XXXX we called and faxed a request for all correspondence and a script of all calls. They acknowledged this request and said we would receive information within 30 business days. We called them today and they said they had transferred all information to XXXX  and we would have to get it from them. XXXX if still claiming not to have gotten this information. We demand to receive this. Rushmore dragged their feet on this. If they were never going to send it they could have told us this right away. I think there is a conspiracy between Rushmore and XXXX.
Consumer complaint received 2019-10-11
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: National Collection Systems, Inc. (TX)

Previous Complaint No. : XXXX National Credit Management has received information from XXXX College directly stating my debt to XXXX College has been paid in full. National Credit Management, however, is still reporting this debt as unpaid on all of my credit profiles for XXXX, XXXX and XXXX. 

I have attached the paid receipts and a letter from XXXX college XXXX XXXX office stating my past due balance has been PAID IN FULL.
Consumer complaint received 2019-07-06
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. (FL)

In XX/XX/XXXX I leased a new XXXX XXXX from XXXX XXXX at XXXX XXXX XXXX. XXXX, FL. All went well and I was a happy customer. On XX/XX/XXXX I went to shop for a new vehicle and find out if there were any specials going on. I was able to return my XXXX XXXX and lease a new XXXX XXXX XXXX. All was still fine and I was a happy customer. In XXXX my husband and I both received a bill for {$580.00}. I immediately contacted XXXX XXXX pertaining to this bill. I was told that since I had paid for an excess wear and tear policy on the XXXX  and leased another vehicle there should be no payment due. Before I could do anything about this, XXXX XXXX reported this to the credit bureau as 90 days in the rears with a {$580.00} balance. In almost 12 years of leasing vehicles with XXXX my payments have never been late. As soon as this was reported to the credit bureau my husband and my credit scores dropped XXXX to XXXX and XXXX to XXXX. 100 points and I am still trying to get it fixed. Numerous calls to XXXX XXXX, numerous disputes with all credit bureaus and emails to XXXX XXXX which go unanswered. I have paperwork that shows I do not owed the excess wear and tear of {$150.00} and the disposition fee of {$390.00} that was charged in error as I leased another new vehicle from XXXX. I am getting no where with XXXX XXXX, the credit bureaus, or XXXX after 3 months. This has damaged our credit scores and kept us from financial opportunities. The {$580.00} is still on my credit report and it is now showing 120 days past due. And still on my husbands credit report.
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AL)

Comenity bank refused to honor SCRA benefit for XXXX credit card I informed them in writing sent required documentation they refused to adjust the account. Comenity violated this law for accounts XXXX XXXX XXXX XXXX This company should be held accountable for unfair practices Dates of benefits are incorrect and was never applied
Consumer complaint received 2016-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (NY)

I am continually receiving calls from Sallie Mae student loans. It is a recording asking me to call and set up payment. I have called the number multiple times to explain that I do NOT have any student loans, they were paid off between XXXX and 20 years ago. The cell phone number they are calling in new to me ( 4 months ) and they tell me each time they are removing the number from their records, but I continue to receive calls about every 2 hours from XXXX to about XXXX. This has been going on for more than a week. The last time I spoke with them I told them that I would be reporting them if I received another call and I have continued to receive calls.
Consumer complaint received 2018-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lending Club Corp (TN)

In the prior CFPB complaint ( XXXX ) in which I requested a validation of this account - the company Lending Club provided me with a ( 1 ) page  document ; which is attached, giving me only their snapshot of accounting and said the original creditor was named XXXX, and they closed the CFPB complaint without relief. The 1 page document they provided did not even list a contact person or phone number at Lending Club, or XXXX, and made the following outrageous claim that they were supplying me with " Other included items are written agreements and amendments, if any, payment transaction history, supporting documents, and if applicable, certain disclosures evidencing the existence of the above referenced loan number ''. You can take a look at that case number and clearly see they have sent me no such supporting documents, statements, signatures, etc that they say they sent. When I call Lending Club they have no clue how to help me, they said the debt was sold to XXXX XXXX XXXX. They are reporting my account as a charge off on all ( 3 ) credit bureaus as well! So many FCRA rules being broken and damaging me.
Consumer complaint received 2019-07-06
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. (TX)

YOUR COMPLAINT On XX/XX/XXXX I requested TransUnion to correct personal details on my credit file. I provided copies of documents to verify my identification. My information is yet to be corrected. On XX/XX/XXXX, I requested verification of a public record, Bankruptcy on my credit report. I was informed by the credit bureau the information was confirmed by XXXX. I again in XX/XX/XXXX requested verification of the public record. On XX/XX/XXXX, TransUnion again informed me the information was confirmed by XXXX. My information was suppressed from XXXX XX/XX/XXXX. I purchased a vehicle in XX/XX/XXXX. My loan was approved by XXXX XXXX before I went to the dealership. I information the dealership of this and demanded them not to submit my application to other lenders. I requested TransUnion to remove all of the inquiries. The dealership can not provide documents bearing my signature to submit my application to additional lenders. I did not authorize this. XXXX XXXX is the bank with permission to pull my credit. 

I received results from dispute from TransUnion, dated XX/XX/XXXX. The bureau did not address the inquiries on my credit file, or personal data. Yet again TransUnion reported the public record has been verified. The bureau has not provided the method of verification. I have attached information from the Bankruptcy Court and XXXX confirming the information did not come from these sources.
Consumer complaint received 2019-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (FL)

In XX/XX/XXXX I leased a new XXXX XXXX from XXXX XXXX at XXXX XXXX XXXX. XXXX, FL. All went well and I was a happy customer. On XX/XX/XXXX I went to shop for a new vehicle and find out if there were any specials going on. I was able to return my XXXX XXXX and lease a new XXXX XXXX XXXX. All was still fine and I was a happy customer. In XXXX my husband and I both received a bill for {$580.00}. I immediately contacted XXXX XXXX pertaining to this bill. I was told that since I had paid for an excess wear and tear policy on the equinox and leased another vehicle there should be no payment due. Before I could do anything about this, GM Financial reported this to the credit bureau as 90 days in the rears with a {$580.00} balance. In almost 12 years of leasing vehicles with XXXX my payments have never been late. As soon as this was reported to the credit bureau my husband and my credit scores dropped XXXX to XXXX and XXXX to XXXX. XXXX points and I am still trying to get it fixed. Numerous calls to GM Financial, numerous disputes with all credit bureaus and emails to XXXX XXXX which go unanswered. I have paperwork that shows I do not owed the excess wear and tear of {$150.00} and the disposition fee of {$390.00} that was charged in error as I leased another new vehicle from XXXX. I am getting no where with GM Financial, the credit bureaus, or XXXX after 3 months. This has damaged our credit scores and kept us from financial opportunities. The {$580.00} is still on my credit report and it is now showing 120 days past due. And still on my husbands credit report.
Consumer complaint received 2019-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

After pulling my credit report in XX/XX/XXXX I noticed that there was a single late payment on my account that was incorrect. Within the next two months several more had been added to my account showing 30 day late payments. I contacted US Bank and the credit agencies multiple times showing my payments were made on time. I have filed several disputes with the credit agencies and US Bank. As of today XXXX is still showing four 30 day late payments. 

Due date XX/XX/XXXX : Paid XX/XX/XXXX ( {$160.00} ) Reporting 30 day late Paid XX/XX/XXXX ( {$180.00} ) Reporting 30 day late Paid XX/XX/XXXX ( {$190.00} ) Reporting 30 day late Paid XX/XX/XXXX ( {$610.00} ) Reporting 30 day late
Consumer complaint received 2019-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (AR)

Attempted to contact amazon synchrony bank in reference to an inaccurate amount reported on my credit report. States that XXXX time was written off but states that XXXX $ is past due. Spoke with a representative to resolve the past due amount just to get it taken off my credit report and stated the only amount that I could pay was XXXX $ but it had already been written off. Attempted to resolve and dispute this account multiple times.
Consumer complaint received 2019-07-06
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: U.S. BANCORP (MA)

I received my credit card bill and paid the full amount. Then I found that I was continually being charged {$19.00} on my credit card from a company that I do not do business with. I called the bank and they credited the {$19.00} transactions in a very confusing way. Then I received a second statement for {$17.00}, which I also paid in full. I am no longer using the credit card at this point. I then received another statement for {$63.00} with no explanation of what the charge was for. 

I tried to call the bank and find out what the charge was for as I have had fraudulent charges in the past. The gentleman on the phone asked me how old was I, I am very offended at this as my age shouldn't have anything to do with what was charged on my account. I know am receiving harassing letters from eastern bank stating that I owe them {$63.00} and interest every month even though they can not tell me what the charge was. 

I wrote a letter to the bank and received a call from a woman named XXXX. I called the phone number given by her and haven't received any callback.
Consumer complaint received 2023-03-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (CA)

I received a surprise notice of debt collection from Credit Collection Services indicating I had an uncollected debt owed for {$71.00}. 

There was no detail beyond that this company was collecting the debt on behalf of XXXX. As a patient I have an account with XXXX indicating I had no obligation due. 

I never received any bill from any provider regarding this charge. I called XXXX and they confirm there was a billing error. As evidence I am attaching the bill which indicates an address that does not exist. The company combined the street of my temporary address and the city of my permanent address. This is the exact reason why I did not receive the medical bill. In the attachment you will see the red circle is a completely incorrect address. 

Upon realization of this error I immediately paid and XXXX admitted its mistake. However the bill was already sent to the debt collection agency. 

Up until this point I have not received a validation notice and therefore there should be no reporting of the already satisfied in full debt to any and all credit reporting companies. The evidence of payment is also attached. 

I spent an hour trying to speak to someone as the agency and was left on hold. I provided all proof to all parties indicating the satisfied debt that I was completely unaware of.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aqua Finance, Inc. (FL)

There are XXXX new accounts ( credit/loan ) opened on the last three months that are not mine. These accounts are : Proform Financing loan in the amount of {$5800.00} Aqua Finance , Inc. XXXX XXXX credit card {$2900.00} Aqua Finance , Inc. {$0.00} I dispute these accounts with XXXX and XXXX XXXX They responded that they verified my information with these companies consequently these accounts are remained in my report. 

I put a freeze of my credit with the XXXX agencies. 

I also put an initial fraud alert with the XXXX agencies. 

Neither I or someone else on my behalf requested these accounts and I need to be removed them from my credit report. 

In addition, I received a letter from XXXX XXXX informing me that my credit information has been accessed by an authorized third party. ( See attached letter ).
Consumer complaint received 2019-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Today I reached out to XXXX as they dropped my credit score over deferred payment student loans! Deferred and current student loans are to have no effect on credit scores it plainly states that in student loan laws! I want my credit score redone taking those out of it! Thank you
Consumer complaint received 2019-07-06
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: JPMORGAN CHASE & CO. (MD)

1.I have filed a police report as Case card requested 2. I have also place a fraud alert on my credit report with all 3 bureau 3. I have file an identity theft with the Federal trade commission 4. I have file 2 report with the Consumer financial protection Bureau 5. I have send you a copy of my passport showing I travel in and out of the country over a 5-year time. 
6. I have file ever month for in accuracy to Chase Card ( every month ) 7. i have flie with Attorney Generals Office 8. i have file with XXXX XXXX XXXX I have follwed all those step yet Chase card yet to remove this account from my credit report, every month I file a dispute with all 3 bureau yet no one from Chase Card company take my situation serious, everything are being sent over electronic to the bureau in response, each time I file a dispute. I think my ex wife are someone may have open this account in my name while I was traveling throughout the years .back and fouth.
Consumer complaint received 2019-07-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NY)

I have a FHA mortgage that is beening serviced by Caliber Home Loans and the lender has not afforded any of the mortgage rights that accompany a FHA Loan. I have not been afforded an opportunity to have a face to face with my lender. 
Moreover the lender has told me that there investor does not allow a short sale. This is not true as this loan is an FHA loan. I have several offers on this property and the property was listed with a realtor.
Consumer complaint received 2019-07-06
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: Mr. Cooper Group Inc. (NY)

Seterus shows from the recent post on my XXXX  credit report that the account is scheduled for deletion XX/XX/XXXX. However, XXXX   needs to do a reinvestigation requesting from Seterus the true late payment history that in my review dates all the way back into XX/XX/XXXX. Seterus cut off several years of payment history to re-age the credit tradeline. This account should be deleted immediately and permanently, not XX/XX/XXXX.
Consumer complaint received 2019-07-06
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. (NY)

XXXX shows from the recent post on my Experian credit report that the account is scheduled for deletion XX/XX/XXXX. However, Experian needs to do a reinvestigation requesting from XXXX the true late payment history that in my review dates all the way back into XX/XX/XXXX. XXXX cut off several years of payment history to re-age the credit tradeline. This account should be deleted immediately and permanently, not XX/XX/XXXX.
Consumer complaint received 2019-07-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX needs to apply a strict rule that relates to the Fair Credit Reporting Act. As you can see from the Bank of America credit posts on my recent hard copy of my XXXX credit report XXXX Bank of America has posted two accounts where it shows clearly late payments in fiscal year XXXX. Personally I believe Bank of America cut off at least five years of payment history, and I know for a fact that I had late payments dating back into XXXX. Both of these accounts should have been deleted in XXXX. However, Bank of America must delete both of these account immediately, not in XXXX and XX/XX/XXXX respectively. XXXX must enforce the 7-year rule as it applies to all citizens across the board. Both Bank of America accounts should be deleted permanently, and a proper reinvestigation is in order.
Consumer complaint received 2024-04-02
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tower Loan of Mississippi, Inc. (MO)

Tower loan did get a payment because they illegally garnished my wages on a XXXX XXXX XXXX debt now they keep adding more interest even though they are garnishing. The full judgment they got was XXXX in 2011 XXXX XXXX has charged XXXX percent interest which when they began garnishment he said the total was XXXX and they been garnished wages now they say I owe XXXX
Consumer complaint received 2019-10-11
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. (GA)

I disputed a item on my credit report via mail on XX/XX/2019 to Trans Union and I received a response today indicating it was verified. Yet, I did not receive requested details and clear explanations on how the information was verified as I requested in my dispute letter. In the results it list information was verfied through the court, yet I reached out to the court and they do not release information to credit bureaus. So it is believed the verification results from Trans Union is inaccurate and I requesting the information to be removed from my credit profile asap.
Consumer complaint received 2019-07-06
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. (NY)

Experian needs to apply a strict rule that relates to the Fair Credit Reporting Act. As you can see from the XXXX XXXX XXXX credit posts on my recent hard copy of my Experian credit report , XXXX XXXX XXXX has posted two accounts where it shows clearly late payments in fiscal year XXXX. Personally I believe XXXX XXXX XXXX cut off at least five years of payment history, and I know for a fact that I had late payments dating back into XXXX. Both of these accounts should have been deleted in XXXX. However, XXXX XXXX XXXX must delete both of these account immediately, not in XXXX and XX/XX/XXXX respectively. Experian must enforce the 7-year rule as it applies to all citizens across the board. Both XXXX XXXX XXXX accounts should be deleted permanently, and a proper reinvestigation is in order.