davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-21
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NOTE SERVICING CENTER, INC. (MI)

I fell behind on my mortgage payments due to XXXX XXXX   placing a collateral loan on my truck for insurance. At the same time extra payments was being made to XXXX XXXX my job cut hours down by 10 hours weekly. I received mortgage statements from Note Servicing  account number XXXX asking for {$1200.00} to cover my XXXX XXXX and XXXX payments. I mailed {$1200.00} before the end of XXXX to cover the past due payments. Note Servicing even sent me an email asking for my payments to come directly out of my bank account. On XX/XX/XXXX I received a check from Note Servicing stating my money was being returned being returned because it wasnt enough to reinstate my mortgage. Today I called Note Servicing to find out why the payment was refused and was told the payment arrived XX/XX/XXXX and I had to include XXXX payment in for a total of {$1600.00} in order to bring the account current. I told the representative I would pay it on Friday and she said she would notate the file. 5 minutes later she called back and said the mortgage owner XXXX XXXX wanted the full mortgage balance of {$14000.00}! Stating he has the right to initiate foreclosure process on my home! My home was purchased by XXXX XXXX and XXXX XXXX  at {$20000.00}. The property value went up to {$120000.00} so I believe he and his company are trying to push me out of my home to sell it for a profit. I feel this practice is inhumane especially sinceI had the payment sent out to make me current. I wasnt offer no payment solution or loan Modification to bring a resolution to the situation.
Consumer complaint received 2019-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NC)

I had a dispute with XXXX and navy fed got my money back $XXXX  I bought the ticket from my XXXX  acct but they could not put it but into that account after trying two times the system said it came from my joint acct but they saw there was no money in that account so they did not know why the system was saying that it did. They had to put the money in that account because the system would only allow it to be put there. Ok now the took $XXXX or close to that to pay a bill for my daughter because now it's her money because it was in that account. The department have explained to them many times what happened and why they need to give me my money back but now they are saying I owe to so if they did not take it for XXXX they would have taken it for me. Well they told for XXXX   and it was not her money and there mistake put in the account in the first place I did not. The mistake is that the last 4 numbers of both debt case from both accounts are the same so the whole number was not put in only the last four. Again navy fed mistake but the collection dept will not give me my money back. The department that made the error has explained the mistake to the many times but again they said the would have taken the money from me. Well what they would have done is not the issue what they did is. If they had taken the money to pay my bill ok but they didn't they paid XXXX bill and again I did not put the money in the account the mistake did. I told it out and put it into another account but when they said they had to I vestagate what happened I put it back. They said I didn't have to do that but they understand why I did. Some one needs to give me my money bank all these bank errors should not gave me lose my money they need to be more careful when they are dealing with people's money this a bank and there job mistakes like this should not be happening and the customer should not suffer for it
Consumer complaint received 2017-12-22
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: I.C. System, Inc. (OH)

IC Systems has put a negative mark on my credit report I dont recognize. XX/XX/XXXX I went to the website and reported this and I have not had no response and it still on my credit report.
Consumer complaint received 2022-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company (IL)

Merchants Credit Guide {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2020 I shouldve never received this bill this is a Medicare issue has nothing to do with me merchants Credit guide has talked to my insurance company as well as me and told me they would remove it last year now they are fraudulent reporting this.
Consumer complaint received 2021-05-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (UT)

I received a collection letter in the amount of {$1800.00} on XXXX XXXX from the company Caine & Weiner with account # XXXX. This was sent to them by XXXX XXXX XXXX company regarding a mortgage insurance that was cancelled months before. This was all due to an error on the insurance 's part when they did not correctly cancel a policy when it was cancelled. I have been working with my agent and XXXX XXXX to confirm this is all settled and complete which it is. I have a {$0.00} balance and the errors were fixed. Caine & Weiner still tell me I owe approximately {$1700.00} as a debt they are are collecting. They declined to contact the original creditor ( insurance company XXXX to resolve this. It has been almost 4 months and they still have yet to fix this on their end. Had I not been aware of all the rules in place for a collection company to collect a debt, I would be deeply in debt. I know XXXX XXXX and Caine & Weiner are not practicing the correct rules in place. Caine and Weiner need to verify their information before considering someone's debt. They only allow the consumer to send a dispute to their company to resolve this.
Consumer complaint received 2019-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America has tacked on all kinds of fees related to a payoff amount including a $XXXX property inspection. After taking over from XXXX Bank of America Illegally modified our mortgage to include huge late fees and have the worse online payment scam I have ever seen. bANK OF AMERICA WILL ONLY ACCEPT PAYOFF VIA CERTIFIED CHECK OR WIRE TRANSFER WICH I WILL NOT DO. Especially since they are holding over $XXXX of mine in escrow. I will agree to pay the $XXXX payoff amount but thats it either over the internet or personal chaeck but THAT ITS. I sick of these XXXXXXXX robbing me and America. NO further payments will be made and I demand FULL return of my escrow account at time of final payment. Bank of America and XXXX XXXX need to be dismantled and their CEOs JAILED!
Consumer complaint received 2024-02-03
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law for this matter to be resolved promptly. 

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
Consumer complaint received 2020-01-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Capital Link Management, LLC (MO)

I received a call with Voice mail from XXXX on XX/XX/2020 saying that the compay had a petition of wage garnishment/judgement with my name and social attached to it. So i return the call and explained the debt had been paid. And asked for reference of the company name and if they were the creditor. He informed me they were CLM, capital link management and were a mediation company and not the debt collector. The debt collector was actually XXXX XXXX. The representative stated he didnt have that in his system and i could email bank debit details via email to show my repayemts. I did decline as im not at all comfortable sending that type of personal information via email. I asked to be sent documentation via mail and they refused saying they could only send an email. He then put his supervisor on the phone and again i asked for documentation and he repeated the same that they could only send email and why hadn't i previously responded. He also stated that 95 % of the time there are no errors and its not normal that the debt would be paid and they not have that info. I told him i just received the call and that when it referred to garnishments i contacted them back immediately. I have no issues dealing with debt or owed funds but for them to mention garnishments and or judgements without any prior notification of court and or subpoena is ludicrous. And they are not the creditor to threaten such action but only a mediation company at that to make that threat is simply outrageous. I shouldnt be threatened of garnishments to scare me as a consumer to payment. The supervisor said they dont do regular paper mail because of turn around time and proceeded to send me a letter of discussion of agreements in which our conversation we agreed to no such payment. I only requested documents proving and or outlining the debt. The email was a letter stating i agreed to pay when i did not. What profesional company that is debt collection and or mediation does not send official mail?
Consumer complaint received 2022-03-02
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. (PA)

XXXX XXXX Has violated my rights.. I have never contracted with this company... I demand they remove this in accurate information, that has been harming me. I have been denied multiple opportunities because of this erroneous information. 
I demand maximum penalty, damages and fines For the damage to my name and hindrance upon my life
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX Has violated my rights.. I have never contracted with this company... I demand they remove this in accurate information, that has been harming me. I have been denied multiple opportunities because of this erroneous information. 
I demand maximum penalty, damages and fines For the damage to my name and hindrance upon my life
Consumer complaint received 2019-08-03
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. (TN)

I'm relocating to LA and looking to purchasing a condo. I checked my credit  score just to see what's on my report because I haven't checked in it a minute. While checking my report I saw a couple of items that are not mine. I have reached out to the FTC and to my local police department. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. I am doing this all on my own.
Consumer complaint received 2021-05-05
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. (WI)

I have tried disputing and asking for verification on these accounts, and the only information they give is these accounts have been verified. They do not belong to me. 

XXXX XXXX XXXX ACCT # XXXX {$22000.00} XXXX XXXX XXXX # XXXX {$450.00}
Consumer complaint received 2023-01-09
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 — Investigation took more than 30 days
Company: P.S.C., Inc (WA)

In XXXX i entered into a consumer transaction with XXXX XXXX and it looks like now Puget Sound Collections has taken over the account. The big problem that i have is that i noticed this collection company pop up on my credit report, BUT i have never heard from them before and i don't know who it is. I don't know what the {$1800.00} charges are all for, what interest or fees are associated with that amount or anything. I was never given the right to dispute this account, and they haven't sent me any of the documents that i requested. I'm not refusing to pay but this account is inaccurate and never was properly validated for my consumer rights. I think Puget Sound is in violation of my consumer rights by illegally reporting this debt and hurting my credit and causing me stress. I sent them a letter over 30 days ago ( XX/XX/XXXX ) asking for ANY information that they had about this account and i'm being ignored. This is really messing me up.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-11-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I went into foreclosure back in 2016 due to loss of income, lost my job. Went back to work and filed for a modification of reinstatement with Chase. I was refused 2 times because I defaulted in the past. I hired XXXX XXXX who said they can get me back on track. They filed 2 more times with no results. All the times I sent in for reinstatement or a new modification Chase never used my income as a barometer for another chance. Same answer came back, because of prior defaults I would not qualify. I tried one more time and was denied once again. I make enough money to pay for my mortgage and more. I even offered chase part of the money back to negotiate a settlement, but to no avail. They want the total amount owed or I lose the home. I'm very frustrated with Chase and feel that although I did refinance in the past and went into default due to hardships from losing my work. all I want to do is save my home and get my mortgage reinstated. 

Thanks, XXXX XXXX
Consumer complaint received 2019-11-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Strada Education Network, Inc. (SC)

My wages are still being garnished and loan status is in default status from attending the failed for profit XXXX XXXX XXXX. Under the terms of the latest settlement, XXXX must stop collecting on all outstanding loans and discharge all of them, the CFPB said.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 I contacted XXXX XXXX to let them know that Transunion was showing that negative mark on one of my XXXX XXXX accounts. Transunion would not give me details about this negative mark and asked me to contact XXXX XXXX. I told XXXX XXXX this did not make sense since I did not have a balance with them nor have I made a late payment. In fact, I have not had any balance with XXXX XXXX for many many months. I told them this negative mark by XXXX XXXX was causing a significantly lower credit score ( by 30 points at least ) on my credit report. The XXXX XXXX representative could not tell me what they negative mark was and told me to write to XXXX XXXX. I have written to XXXX XXXX ask them what negative mark they put on my credit report.
Consumer complaint received 2020-01-21
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (FL)

Loan Depot did not follow closing documents. 
Date Issued XX/XX/2020 Loan Closing XX/XX/2020 Disbursement Date XX/XX/2020 Check received to borrower XX/XX/2020 At closing with a notary the closing disclosure it shows money to borrower {$20000.00} but I received a check today for {$19000.00}. This was after the mandatory 3 days on which to cancel. I would have cancelled if I had known that Loan Depot would do this, but they do this after it is impossible to cancel, very poor company. When I called Loan Depot was given all sorts of excuses about credits, etc. Loan Depot is very hard to obtain customer service, previously with XXXX and they respond immediately.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

Chex systems have me in their system as having some form of misconduct. I've never bound a check in my life. 

I have tried calling them with no success, they simply won't pick up. I've faxed them, email them and sent a letter US Postal service, they have been totally unresponsive.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BB&T CORPORATION (NC)

This complaint is not a duplicate tied to complaint XXXX. I pulled my XXXX credit report and found REGIONAL ACCEPTANCE CORPORATION had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry or provide the signed application which is needed to file a FTC identity theft report. They did not delete the inquiry or provide the documentation required under section 604 of the Fair Credit Reporting Act. This is a violation of the law and they must comply be deleting the inquiry or providing the signed application, so an FTC identity theft report can be filed. Failure to adhere to the law will result in legal action.
Consumer complaint received 2022-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AL)

XXXX says I owe them {$230.00} in XX/XX/2021 and its I C System that is the debt collector. I have never had XXXX services in my life and live in an area where its not even possible to have XXXX. This is the second time this has happened to me and the first time I disputed it and they removed it but a few months later they did it again.
Consumer complaint received 2018-06-18
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. (AL)

XXXX XXXX has been reporting 4 bad collection debts to my Equifax credit report. I contacted XXXX via certfied mail XX/XX/XXXX asking for " validation '' of these items. I requested proof that I am indeed the party they are asking to pay the debts, the date of alleged medical service, the name of the patient and that there is some contractual obligation which is binding me to pay the debts. XXXX responded with letters dated XX/XX/XXXX with a " RE : REQUEST FOR FINAL BILL '' letter. I have received a response that clearly violates my rights according to HIPAA. XXXX XXXX did NOT provide me with HIPPA Release form to authorize the use or disclosure of my protected health information. Account numbers are as listed:XXXX, XXXX, XXXX.
Consumer complaint received 2020-01-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX - partial account umber XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have contacted Transunion about an invalid address on my credit report. Address : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX. I have sent them letters and faxes and made phone calls to them. Sent proof from my city that the address does not now nor has it ever existed. The last time I called them they said the address was removed but it is still showing on my latest credit report as of XXXX/XXXX/XXXX. I want the address and any so called accounts associated with the address removed completely from my credit report ( s ) Thank You for Your Time
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (IL)

I submitted proof from my bank to show that I was never late nor delinquent. I will attach the bank statement from my account with XXXX XXXX XXXXXXXX here. I am asking for all of the late payments to be removed and my account to be listed as never late. Or for the entire XXXX XXXX XXXX account to be removed.