davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

XXXX obtained two loans from XXXX XXXX XXXX in XXXX, Virginia, one in XX/XX/2018 and one in XX/XX/2018. Both of these loans were subsequently sold to the LoanCare company. There was no problem with the loans or the repayments until XX/XX/2018. 

On XX/XX/XXXX, the payment on the first loan was properly applied. However, on XX/XX/XXXX, the payment on the second loan was incorrectly applied to the first loan as a repayment of principal ( since no payment was due ). No payment was recorded for the second loan. 

As a result, in XXXX, the first loan processed the XXXX payment correctly ; however, the payment made on the second loan was posted as a delinquent payment for XXXX. In XXXX, the first loan processed the XXXX payment correctly ; however, the second loan payment was listed incorrectly as a delinquent XXXX payment. 

I emailed the company and was assured that they would correct this, but they did not. I have called the company several times and, each time, they assure me that this will be corrected in a few days. This has gone on for several months and they still have not corrected the error. Instead, the company sends me regular notices that I am delinquent and requesting information about how/when I plan to make payment. They also assessed various penalties, which have not yet been reversed - even though this was the loan processor 's error. 

This was entirely the fault of the loan processor. All they need to do is reverse the incorrect {$2500.00} credit posted to the first account [ XXXX ], which they posted on XX/XX/2018 and credit this same amount as the XXXX payment to the second account [ XXXX ]. If they did this, then the XXXX payment on the second account would be timely, the XXXX payment would be timely, and there would be no delinquencies or penalties. 

The company has not disputed that they made an error. They continue to promise to fix it but have not done so in almost three months. They have a record of my phone calls and emails, since they cited them to me in my phone calls.
Consumer complaint received 2019-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (PA)

XXXX XXXX of XXXX, CA mailed our company compliance posters on XX/XX/XXXX. These posters were not ordered or authorized by our company. We contacted XXXX XXXX and informed them of this fact. They stated that the items were authorized by our company president on XX/XX/XXXX. This is not a true statement. 

XXXX XXXX refused to pay for return shipment or to cancel the debt. They subsequently referred the matter to a collection agency, who contacted our company on XX/XX/XXXX. We responded with an email response to XXXX XXXX, but received no response. We were contacted again by the collection agency on XX/XX/XXXX. Our president called the agency ( Receivable Management Services, LLC ), and notified them we considered this instance of fraud on the part of XXXX XXXX and would be taking appropriate action.
Consumer complaint received 2021-01-27
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: Fidelity National Information Services, Inc. (FNIS) (FL)

i have a fraud account on my chex systems  report from XXXX  XXXX XXXX and i want it removed and blocked from reporting under the FCRA and chex systems  is refusing i have an id theft report from the ftc and police report i sent them
Consumer complaint received 2020-09-24
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$42000.00}, {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

-- PERSONAL ACCOUNT -- 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. SXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NEW YORK COMMUNITY BANCORP INC (FL)

I had an small mortgage on my vacation home with a company by the name of XXXX XXXX. 
XXXX XXXX sold my mortgage to Flagstar bank on XX/XX/23. I had a notification in my email from XXXX XXXX, so I called them and aske since my mortgage payments are automatically withdrown from my checking account do I need to do anything and I was told " NO '' all information has been copied over to Flagstar bank, and I was advised as procaution check my bank account for the next month and if flagstar bank has withdrown the payment " I AM GOOD TO GO '' there is nothing else to be done. 
On XX/XX/23 I received an email from my credit protection that Flagstar bank has reported me as deliquent over 30 days, I called Flagstar bank and I was told that they only withdraw paymnet for 60 days and I ma responsible to call and setup myself as a new customer and give them my bank information and such, I asked them why didn't they contact me and according to the, they had, even though when I asked they did not have my new address neither did they have any record of them trying to contact me, and I was told that they do not use email in the mortgage dept. I corrected my payment and the proceeded to payoff my mortgage too. I filed a grivence with the bank and I was just notified that they will not withdrow the reporting to credit agencies, My credit score was XXXX, and has nver been less than XXXX, but now it is XXXX. I have worked so hard to keep up my credit but now I have to wait 5 years to remove this blemish from my record. I need help to force Flagstar to remove this reporting from the credit reporting agencies. 
Thank you
Consumer complaint received 2019-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Bureau Collection Services, Inc. (AR)

ONCE AGAIN CBCS GNORED OUR BANKRUPTCY XXXX XX/XX/XXXX-XX/XX/XXXX AND VIOLATED THE AUTOMATICE STAY. ALSO KEPT CALLING MY CELL SEE ATTACHED. IF NECESSARY WILL RE-OPEN BK AND FILE ADVERSARY PROCEEDINGS COMPLIANTS IN THE AMOUNT OF $ XXXX.
Consumer complaint received 2019-01-22
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)

This particular account has been closed since XX/XX/2017. It is a charged off account that has a {$0.00} balance. 

According to the XXXX XXXX five points of compliance, this particular credit bureau ( Transunion ) is using ACDV ( Automated Credit Dispute Validation ). When using automated validation, information is not being correctly investigation because the e-Oscar system is simply just " copying and pasting '' old information and treating it as new. 

This account needs to be removed and deleted from my credit report. I have sent numerous letters to have this account removed to no avail.
Consumer complaint received 2019-09-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (TX)

Multiple collection companies harassed me via phone calls and letters attempting to collect a debt that had been settled in the past. The debt had been settled for the amount of {$360.00} ( settled with XXXX XXXX XXXX on behalf of the original owners of the debt ) on XX/XX/XXXX. 
I informed the collections agencies on multiple occasions that debt had been paid but they would not stop trying to contact me over the same matter. 

After settling the debt, I was contacted by XXXX XXXX, which prompted me to meet with an attorney. 
My attorney 's office sent out a certified letter to the collection company on XX/XX/XXXX with the following documents : 1 ) Proof that debt had been settled already.

2 ) A letter asking the collection company to provide written verification that the information had been removed within 30 days and that all collections efforts have ceased on their end ; the same letter included a request that they not contact me again Then a letter was sent to me on XX/XX/XXXX by Dynamic Recovery Solutions, and they began to harass me again with phone calls. 
The letter was demanding payment for the same debt ( stating that the current balance was {$240.00} ). 

My attorney 's office once again sent out a letter via certified mail on XX/XX/XXXX to inform them to cease and desist further efforts to collect the settled debt. 

Another letter was sent to me on XX/XX/XXXX from the same collections agency ( Dynamic Recovery Solutions ), requesting payment for the settled debt. This time they offered multiple payment options.
Consumer complaint received 2021-08-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Capital For Change, Inc. (CT)

In XX/XX/XXXX, I entered into a rental contract with tenants. When the pandemic hit, they continued to pay rent, but stopped when I began a serious nuisance complaint and immediate eviction action due to illegal activities on the property. They didn't pay for six months, then left before eviction mediation proceedings leaving me with thousands of dollars of damage to my rental unit. I was left to pay over {$7000.00} to get the unit ready to rent in addition to the over {$6000.00} in lost rent, I am now one month behind on my mortgage after sending the mortgage company over {$4000.00} in XX/XX/XXXX and consistently send extra money with each payment. With the late fees, and interest, I can never catch up. I was ineligible for the UniteCT program for mortgage relief as the former tenants refused to sign the paperwork. Capital for Change has continued to charge me late fees and interest throughout the pandemic, and continue to this day. I am at my wits end, and financially strapped. Why aren't there any grants to assist struggling homeowners who depend on rental income?
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Lease was returned and all payments paid in full in XX/XX/2017. Company reported the lease as a voluntary repo and sold it at auction despite all obligations being satisfied and are trying to charge me the fees and loss at auction. The vehicle was properly returned and the payments were made to satisfy lease obligation. They incorrectly handled the end of lease and will not fix their mistake.
Consumer complaint received 2022-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

Please reference attached... 

I filed a Complaint and Request for Chargeback on XX/XX/22 using the Wells Fargo.com Dispute/Claim Form . Since the form represents the bank 's capture document for Dispute/Claims processing, I assumed it holistic in both design and nature. 

I also took the liberty of mailing hard copies of the supporting documents referenced in subject Dispute/Claim the same day. Given the source and irrefutable nature of the supporting documentation provided in support of the Dispute/Claim, resolving the claim should have been a 'slam dunk '. Yet, it has now been outstanding for nearly 40 days. 

Although I took the liberty of following up w/ the bank in writing regarding the Dispute/Claim on XX/XX/22, the claim remains outstanding to date.
Consumer complaint received 2022-08-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (VT)

I am constantly getting calls from LVNV Funding, and Resurgent from XXXX. I am sick of getting woken up on my only days off from work. I have changed my number twice and they still track me down.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-01-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (IN)

I received a letter from the original creditor ( legal action department XXXX XXXX XXXX  XXXX XXXX ) in XX/XX/2018, stating I owe {$190.00} in damage to carpets and double coating wall painting. this letter also stated that I may get threats from the collection agency hunter Warfield,  harassed and the company will not be responsible. XX/XX/XXXX I sent a letter in response to XXXX XXXX XXXX stating I do not owe balance XXXX and please provide validation and documentation of charges listed in ledger. I  never received response back from the original creditor. On XX/XX/18 I received a second letter from original creditor stating the same as 1st notice. On XX/XX/18 I sent a 2nd letter to the original creditor legal department ( address listed on 2nd notice ) requesting validation. No response. XX/XX/18 I received a letter from hunter Warfield stating I owe XXXX. XX/XX/18 I sent a letter to hunter Warfield stating I have attempted to contact original creditor x 2 via mail, no response and requesting validation and proof of false charges made against me. XX/XX/18 I received a response from hunter Warfield with an ledger of balance breakdown, black and white photos of unclear spots on carpet. XX/XX/18 in response to hunter Warfield validation response.  I requested clear photos and proof showing that this was in fact the unit I previously resided in damaged and also provide proof of other damages listed on ledger. I did not receive pictures or proof from double coated paint charges of {$180.00}. I was charged for 11 stains on carpet and only received 6 unclear photos, I was charged for a gum stain on carpet and did not receive proof. XX/XX/18 I received a 3rd notice from hunter Warfield stating again the debt was validated, now owing a sum of XXXX with {$.00} interest added. I received the same photos from previous letter, still unclear and did not show in fact this was the unit I resided in. I still did not receive any proof of damage to walls requiring double coated paint and {$180.00} in charges. I have been receiving harassing phone calls after asking not to contact me by phone and only in writing. I have also been threatened to have my account reported to credit bureaus and listed as dispute. I do not owe this debt and feel my rights have been violated with threats of false information negatively affecting my credit report, along with reporting inaccurate information.
Consumer complaint received 2019-01-22
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: Caliber Home Loans, Inc. (ME)

an error was made on my computer to send my mortgage payment of {$2000.00} to 2001. I was ill and my husband was helping out. this went on for 2 months. no one sent out a letter or called. on the third month I got a call from CALIber stating I was 2 months late on my mortgage with penalties and going into collection of some sort. I argued with them that I know I am over playing to begin with and my mortgage was always paid for even missin {$140.00} I complied and sent in what they asked for and my credit was crushed and the fact that I knew there was more than enough $ in their account. then in XX/XX/XXXX I get a check for XXXX overpayment. I called again to get them to correct this and they would not help me. we have never been late for a payment of any sort in our 40 years married. T0 be treated like we did not know what we are doing and they were right with no appolgy.
Consumer complaint received 2019-07-12
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. (NY)

The inquiries listed below were not made by me. They are the result of someone falsely and fraudulently using my social security number to pull my credit without my permission. These items must be deleted immediately. The car dealerships have been calling me and that's how I was informed. 

1 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2 XXXX XXXX Inquiry from XX/XX/XXXX 3 XXXX Inquiry from XX/XX/XXXX 4 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 5 XXXX Inquiry from XX/XX/XXXX 6 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7 XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX 8 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 9 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10 XXXX XXXX Inquiry from XX/XX/XXXX 11 XXXX Inquiry from XX/XX/XXXX 12 XXXX  XXXX Inquiry from XX/XX/XXXX 13 XXXX XXXX Inquiry from XX/XX/XXXX XXXX   14 XXXX  Inquiry from XX/XX/XXXX 15 XXXX  Inquiry from XX/XX/XXXX 16 XXXX/XXXX  Inquiry from XX/XX/XXXX 17 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 18 XXXX XXXX Inquiry from XX/XX/XXXX 19 XXXX  XXXX Inquiry from XX/XX/XXXX 20 XXXX Inquiry from XX/XX/XXXX 21 XXXX XXXX Dba XXXX Inquiry from XX/XX/XXXX 22 XXXX   Inquiry from XX/XX/XXXX 23 XXXX XXXX  Inquiry from XX/XX/XXXX 24 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 25 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 26 XXXX Inquiry from XX/XX/XXXX 27 XXXX Inquiry from XX/XX/XXXX 28 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 29 XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2021-08-17
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. (PA)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX-Date of inquiry:XXXX
Consumer complaint received 2023-07-04
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. (IL)

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.
Consumer complaint received 2024-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NH)

On XX/XX/year>, I submitted an application for PSLF with Mohela. My payment tracker indicated I had XXXX payments that counted towards PSLF, and another XXXX that were eligible but just needed employment verification. I applied for forgiveness and requested that my loans be put under forbearance during review of my PSLF application. My loans did not get put under forbearance. I called MOHELA in XXXX and asked for my loans to be put under forbearance while my PSLF application was being reviewed. They said they would manually put my loans under forbearance. It did not happen, so I messaged them through MOHELAs website on XX/XX/year> and asked for my loans to be put under forbearance because my PSLF application was still being reviewed. I received no response in this regard. MOHELA messaged me later that day and said that my PSLF application was denied because the dates were transposed, which was incorrect. I responded to them that the dates were correct, but did not receive a response. Several days later ( XX/XX/year> ), MOHELA messaged me that my PSLF application was denied because my employers signature wasnt valid. I resubmitted a PSLF application the next day ( XX/XX/year> ), and again requested forebearance while the application was being reviewed. They still have not put my account in forebearance while the PSLF application is being reviewed. Instead, they sent me a missed payment notice on XX/XX/year>. I believe that I am eligible for forgiveness under PSLF according to their payment tracker as I have 22 months of eligible payments that require employment certification, and XXXX payments that already qualify for a total of XXXX payments. I would like for MOHELA to put my account in forbearance and review my PSLF application. Hopefully they will put my account in forbearance and forgive my loans.