davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-22
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

I'll try to keep this brief and concise : My parents both passed away ( father passed in XXXX, mother passed in XXXX ) and defaulted on their mortgage to XXXX XXXX ( Formally XXXX XXXX  ). 

The mortgage debt was sent to a collection agency named Rushmore Loan Management Services LLC. Rushmore Loan Management sent a notice to the defaulted mortgage address on XX/XX/XXXX, providing an overview of debt repayment options, addressed to the Estate. There was no Executor of the Estate, due to my parents passing with far more liabilities than assets, there was no inheritance, no one wanted the house, we let the mortgage company take the house. I called Rushmore at ( XXXX ) XXXX to explain the situation. 

Eventually the house was cleaned out, and the bank took possession of it on XX/XX/XXXX. Shortly after this date, I received a 1099-MISC form from Rushmore, stating {$7000.00} in Box 3 for Other Income. I  personally never had a loan with Rushmore or XXXX XXXX, I've never had a mortgage in my name, ever. I have also not received any money, checks, or debt relief, since I've never had a mortgage. I've called Rushmore multiple times around XX/XX/XXXX to address this issue, and they verified that I did not have a file or an account being managed by this company. I was instructed to write a letter with accompanying documentation to : Notices of Error, Requests for Information and Complaints Rushmore Loan Management Services LLC XXXX. XXXX  XXXX XXXX, CA XXXX I sent them a letter stating the issue, a copy of the 1099-MIC, death certificates of both my parents, and a copy of the page they sent to the Estate. A few days later, I received a notice from Rushmore stating that " There is no written authorization on file from the borrower ( s ) authorizing Rushmore to discuss this loan with you. '' They have not acknowledged sending this 1099-MISC and have no intentions of remedying it. Their reply is correct -- I do not have authorization for the loan, it was my parent 's loan and not mine. There was absolutely no reason to send me this 1099-MISC. They are not even addressing the erroneous 1099-MISC document that they sent me. I will upload all of my documentation.
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I NOTICE ON MY CREDIT REPORT XXXX XXXX NEVADA ADDRESS AND I NEVER LIVED IN XXXX XXXX NEVADA.  I DO HAVE FAMILY IN XXXX XXXX NEVADA AND A RELATIVE THAT NAME IS VERY SIMILAR TO MINE. I PROVIDED THE CREDIT BUREAUS WITH 17 YEARS OF ALABAMA STATE ISSUED DRIVERS LICENSE AND I SENT OVER TO CREDIT REPORTING AGENCY TO SHOW THEM THAT I HAVE BEEN IN ALABAMA ALL MY LIFE AND THIS IS NOT MY DEBT. AND THEY STILL WANT CORRECT OFF MY CREDIT REPORTS ALL 3 XXXX  XXXX, TRANSUNION. THERE WAS A CHAPTER XXXX, VEHICLE, LOAN, REALTY COMPANY CHAPTER XXXX BANKPRUTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE NOT MY DEBT. NEVER LIVED IN XXXX XXXX NEVADA. PLEASE ASSIST
Consumer complaint received 2021-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

On XXXX XX/XX/2021 when I went to use my card for a purchase I was told by the Automated Voice that the account was closed for any future purchases? My concern is this account was always paid on due date and due to medical hardship carried a balance. For Synchrony originally to make the assumption based on my credit score or information on my credit reports decisions made to close my account can be premature? Especially when I have submitted disputes to include utilizing the Consumer Financial Protection Bureau. Taking these measures has removed negative information from my reports and is still ongoing. Additionally, my concern is that Synchrony has been reviewing my wife 's medical hardship debt management program settlement with her individual accounts that are exclusively her accounts but were settled by her attorney 's just recently. May be a coincidence? I have been a good customer on all of my accounts and feel to close my accounts based on credit reports that have numerous inaccuracies to include disputes should not be the only criteria to close accounts for example I have 40 years of Federal Service an excellent employment history and 40 years of great credit history. There has been Life Events with my wife 's medical XXXX that has created some credit issues but are constantly under review and challenged through the credit bureaus dispute process which becomes a lengthy process to delete negative information from the reports.
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

To Whom It May Concern : I XXXX XXXX recently pulled my credit from XXXX XXXX XXXX And upon me reviewing my credit report I stumbled across this BK REFERNCE # XXXX I wrote letters to the UNITED BANKRUPTCY COURT XXXX DISTRICT OF ILLNOIS ON XX/XX/2018 in reference to this BANKRUPTCYMREFERENCE # XXXX. I received a letter from the Bankruptcy Court on XX/XX/2018 informing me that they do NOT perform activities with the credit bureaus. And informed me to contact the individual credit bureaus for their procedure for removing my bankruptcy filing from my report. So on XXXX XXXX,2018 I wrote to the 3 credit bureaus XXXX XXXX & EXPERIAN informing them of the information the Bankruptcy Court gave me about them not performing any activities with thXXXX 3 Credit   Bureaus. And on XX/XX//2018 I received a letter from XXXX informing me that they deleted the Bankruptcy from my credit file. I also have a letter from XXXX XXXX stating I have opt out and put a security freeze on my credit file on XX/XX/2018. I received a letter from EXPERIAN AND XXXX stating they 'VERIFIED '' the bankruptcy through a third party vendor called XXXX XXXX. When you can see with my upload documents I have a security freeze and opt out their services. So I wrote back to EXPERIAN AND XXXX giving them my BANKRUPTCY LETTER FROM THE COURT, XXXX XXXX SUPPRESSED/OPT OUT LETTER, XXXX  DELETED LETTER. I informed them also, they have failed to provide me with viable evidence, bearing my signature, showing this account is reporting accurately. Additionally, providing me with the name, address, and telephone number of each person who personally verified this alleged account. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I also informed them that am maintaining a careful record of my communication with them for the purpose me filing this complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2016-12-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Avant Credit Corporation (GA)

I took out a personal loan with Avant, first of all they are loan sharks charging me 30 % interest. I am a single mother and XXXX veteran who had several XXXX resulting from my military service. This resulted in medical bills and me having to take unpaid leave from work.I had made payment arrangements with avant to lower my payment for 6 monthsI had changed my bank account however, avant continued to charge the old account and not the new XXXX. One day I get an email stating my account is {$2000.00} past due and another day its {$3000.00}. I am trying to pay this off but Avant wont work with me and they are destroying my credit ;. I am moving for a better paying job shortly but because of this I am unsure if I will be able to secure housing for my XXXX XXXX XXXX son and myself.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 3rd request plaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX  XXXX Balance : - XXXX XXXXXXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX  Original XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : - Bankruptcy XXXX XXXXXXXX Filed on XXXX XXXX, XXXX Reference number : XXXX XXXX : XXXX XXXX XXXX GA XXXX Bankruptcy XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX : XXXX XXXX XXXX GA XXXX Bankruptcy XXXX XXXX on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXX XXXX GA XXXX Bankruptcy : XXXX XXXX- Filed on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXX XXXX XXXX  LA XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2019-07-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (OR)

I spoke to XXXX about a billing issue post termination of my account and was waiting on information I was told would be sent to my email. 

I do not want to spend another XXXX minutes on the phone when the issue has already been identified. I have all conformation and interaction reference numbers from the call. 

Amount owed {$120.00} XX/XX/2019 at XXXX XXXX, call duration 1 hour 13 minutes. 
Call Notes : XXXX were to send my original contract outlining events upon termination and terms of service. I was told that I can not access this information because I changed my service provider and my account login was removed. My wife terminated her contract with XXXX within minutes of me terminating service, she was charged 30 % of her normal bill which was prorated for the termination date. My bill was not prorated and was for the full month. There should not have been a difference in how the two accounts were handled which is why I wanted a copy of my contract before blindly paying the full amount while they explicitly and intentionally withheld my agreement. 

They have now sent me to a collections agency as of XX/XX/2019 I have XXXX FICO and do not want any impact on my credit, particularly when XXXX intentionally withheld information. I have clearly identified the issue and will be happy to pay once I have the documentation.
Consumer complaint received 2019-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After doing several disputes with XXXX and TransUnion  I am still not getting the investigation that I asked for. By all three companies not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all three companies and the Creditor asking for validation. The information was completely ignored from creditor XXXX. All three creditors failed to do an investigation before reporting false information.
Consumer complaint received 2016-07-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (WV)

About XXXX years ago, I modified my mortgage terms under the Home Affordable Modification Program ( HAMP ). XX/XX/XXXX I found out I would be eligible for a {$5000.00} credit towards my principal balance sometime during XX/XX/XXXX because I made all my payments on time. My mortgage holder is Fifth Third Bank, XXXX XXXX XXXX, XXXX OH XXXX. In a letter dated XXXX XXXX, XXXX, they informed me that the {$5000.00} credit would be forthcoming and that I had a choice of either shortening the remaining term of the loan or getting a lower monthly payment, and that the offer expired on XXXX XXXX XXXX. I called them XX/XX/XXXX and told them I would like to elect the lower payment option. Their letter stated that the effective date of the payment change would be XXXX XXXX XXXX. In XX/XX/XXXX they told me that the paperwork had not been completed and I would have to pay the normal higher payment. XX/XX/XXXX they told me the same thing, and I again had to pay the normal higher payment. My latest monthly mortgage statements show that the {$5000.00} credit has been applied to the principal. XX/XX/XXXX I received another letter from them that required my notarized signature to amend the terms of the loan, which I returned to them last week. I called them and they told me I would not be able to receive a partial refund of the excess payments I made XX/XX/XXXX and XX/XX/XXXX, nor would there be any additional reduction in the principal balance for the excess payments. They have not given me a firm figure on my new lower payment, but I believe the total new payment for PITI will be about {$80.00} to {$90.00} per month less than the {$530.00} I have been paying the last several months. My payments are current and I have not had any late payments. I do not know if they will grant me the new lower payment this month ( XXXX XXXX ). I feel they are just dragging their feet on this issue to extract extra interest out of me because they feel they can get away with it.
Consumer complaint received 2021-02-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I submitted a 609 letter by mail to Transunion back onXX/XX/2021 to dispute erroneous accounts! I have not received anything in 30 plus day. I wish to remove late payment from XXXX  account # XXXX To delete XXXX XXXX XXXX  Account # XXXX. And to delete XXXX account XXXX which is a wrong account. And to reve all Inquiries not attached to accounts.mo
Consumer complaint received 2019-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (NV)

My issue is with Charles Schwab bank back in XXXX ( 3 months now ) I opened a checking account with Charles Schwab bank and it was fine I funded it used it a little bit made a few deposits without a problem so then I deposit some my work checks totaling almost {$8000.00} {$7900.00} roughly and still no issues the firs {$800.00} is made available to me then all of a sudden the account is locked without anything changing or without warning whatsoever and when I called about it they told me they had to run my credit in order to verify my identity because I locked my credit profile ( which I always keep it locked unless Im applying for credit which I was not in this case ) so I unlock it like they requested and its still not good enough for them they dont release the hold on my account ok so they tell me I can fax over some documents ( my drivers license and my social security card ) which I do still not good enough now they tell me I have to go to the branch which I explained is not possible with my work schedule and their hours of operation which is the whole reason I opened this account an online only account and after multiple phone calls and conversations with different representatives Ive gotten nowhere and I cant understand this for the life of me Ive done everything asked of me and theyre still to this day holding my money almost {$8000.00} dollars and refused to even close the account and give me a check for the money in my account which Ive requested and they wont do it or release my money in any kind of way which I feel like is ridiculous Ive tried everything I can think of and gotten nowhere so basically I just want my money back theyre holding it hostage and I dont understand why or how this is even legal to do to someone
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Hello this complaint is in regards to my checking acct at fifth third bank. 
I had an emergency on date of XX/XX/XXXX in which I had to withdrawal from a 5/3 bank atm and by mistake I had to take 2 withdrawals right after each other. 
This caused by acct to go negative by XXXX XXXXI deposited a check in the atm on XXXX the XXXX 
I checked my balance and was assessed 2 nsf charges for this for a {$74.00} dollars.I believe that this was excessive and unethical. 
I called the bank on Tuesday the XX/XX/XXXX and they offered to credit me {$25.00} for a reimbursement of a prior fee assessed in XXXX. 
I accepted the offer but it was never credited.I called the bank back the following day and I was informed that in fact I was not eligible for that {$25.00} credit. 
I had to make several call and finally a supervisor was able to credit me back some atm fees that totaled to roughly {$23.00}. 
Now today I was checking my acct and see that I was charged again a {$25.00} extended overdraft fee over the same situation. 
This organization needs to investigated their policy in regards to this is totally totally unfair and the only reason I stay with this bank is because of family member I share an acct with. 
I had made a complaint about their activities in the
Consumer complaint received 2021-04-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (IN)

This situation started in early XX/XX/2020 when I received a call from XXXX XXXX of Amerisave Mortgage, solictiting the refinancing of our second home in XXXX XXXX, New Mexico. We had been working with XXXX XXXX on the refinance, to take advantage of the lower rates that were being offered by the industry. We were in our 3rd or 4th month with XXXX XXXX, I asked XXXX how long it would take to close our loan with AmeriaSave and she said " 20 days '' I asked the rate and she said 2.375 % 30 year fixed ( this was later adjusted to 2.25 % in XXXX. The 20 days turned into over 240 days. I would go into their Portal to check on what might be needed, and seldom did it indicate any additional information was required. When they did indicate the need for more information, we supplied it promptly. They offered " Cash to Close '' which we accepted in order to payoff two commercial realestate loans that were a 4 % adjustable rate. The total of these two loans was approximately {$210000.00} and the Cash to Close was estimated to be about {$140000.00} and we had two savings accounts which we could draw on to make up the difference to pay both off. Starting in about the 3rd or 4th month, I was getting concerned about the delays in closing our loan, but learned that the mortgage industry was being flooded with refinances to take advantage of the lower rates being offered, so I tried to be patient. Every month AmeriaSave indicated they were close to closing. At some point along the way I asked them if there were issues with our loan with which they were uncomfortable and really did not want to make the loan, and they assured me that was not the case. I spoke with several individuals at AmeriaSave, trying to get some answers, unsuccessfully. I had a call from XXXX XXXX from their " Customer Care '' department ( XXXX ) who tried to intervene and move our closing along, unsuccessfully. The refinance with the Cash Out would have reduced our monthly costs by a little over {$2000.00} a month, so we were obviously eager to complete the closing. A few days ago I received a phone call from an individual that I had never talked to before, stating he was with AmeriaSave and regretted that he had to inform me that they were withdrawing their offer to refinance. At first I thought it was a scam call as I had had no communication from AmeriaSave indicating a problem ( still have not received anything in writing explaining the reason for withdrawing from our refinance ). I later learned that about 3-4 weeks ago, the Federal Government had changed the rules on second homes and that interest rates and gone up. I appreciate that rules can change, but had AmeriaSave acted in a timely manner, our loan would have closed and we would not have been caught in the regulatory change.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-06-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

the following accounts were reported on my credit report without any authorization, please review them, it is hurting me : XXXX Account Number : XXXX This is not mine. 
BK OF XXXX Account Number : XXXX This is not mine. 
XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
XXXX Account XXXX : XXXX This is not mine. 
XXXX XXXX  XXXX Account Number : XXXX This is not mine.