davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

In XX/XX/XXXX, my husband and I were granted a trial payment plan through Penny Mac USA due to financial difficulties my husband and I had endured. I made my first trial payment, and submitted my agreement via fax. We received a letter in XX/XX/XXXX stating that our trial payment plan had been cancelled due to not providing the documentation in time. I called customer service who reported they never received it, and did nothing about it. I then emailed corporate due to my frustrations. They sent me a complaint team member. This team member requested a copy of the fax confirmation which I sent so it could be reinstated. The staff member inquired about jobs, which my husband and I had both lost our jobs and began a job change. She then asked if we defaulted on the trial payment plan which we assumed was yes. We did not continue with our payments due to their mistake and the confusion, and wanted to protect ourselves. Come to find out yesterday, however, she assumed we meant we would have defaulted anyways which is not what I meant. She would not provide me with documentation of saying this either though I have all email correspondence and there is no record on email. At the beginning of XX/XX/XXXX, I communicated with this staff to begin a new application. I never heard back from her for four weeks, and had to reach out first to have the process continue this week. By this point, I had received a deed of trust. She sends the information to the underwriter who informs me to ask for a postponement as I had not received a full paycheck yet, and would not until the end of XX/XX/XXXXand for the mistake. I requested this and it was denied, with my auction set for Monday. None of this would have occurred had my documentation not been lost. They have switched this to put the fault on me when they lost documentation escalating foreclosure. I am so frustrated.
Consumer complaint received 2022-09-18
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. (TX)

I asked them to investigate my credit report and validate the information that they are reporting on XX/XX/2022. I sent a 30 day to comply on XX/XX/2022. It is now XX/XX/2022 and I have yet to hear anything about the investigation.
Consumer complaint received 2021-11-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ALLY FINANCIAL INC. (TN)

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by ALLY BANK. I was notified of this transgression of my rights, specifically 15 USC 1601 The Truth in Lending Act, by ALLY BANK on XX/XX/2021 via U.S. mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by ALLY BANK adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to { {$5000.00} }. ALLY FINANCIAL is now civilly liable to pay me for the damages. 

REGISTERED AGENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2021-07-01
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

please check the following accounts that were reported on my credit report without any authorization, they do not belong to me Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 
Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.
Consumer complaint received 2021-01-31
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: CITIBANK, N.A. (NY)

On my credit reports there is a closed account with huge amount of missed payments.MACY'S/DSNB XXXX XX/XX/2016 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MACY'S/DSNB has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-04-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: LendKey Technologies, Inc. (GA)

On XX/XX/XXXX, I made a payment on my loan for the XX/XX/XXXX payment. I made the payment from the same verified checking account that I used to make every other payment on this loan since 2015. As of XX/XX/XXXX, LendKey Technologies has yet to apply this payment to my account. Today, XX/XX/XXXX, I received correspondence from LendKey Technologies stating that I chose to pay by check and do not have a verified account with them. I chose to make an electronic payment using a checking account that was verified, so they are incorrect. Since 2015, I have made my loan payments on this account using the same checking account that I used to make the XX/XX/XXXX payment. All previous payments were accepted without re-verification. If the account somehow became unverified, LendKey Technologies never provided me with any notification that this account is no longer verified. If the account was not verified, then the time to tell me this was on XX/XX/XXXX when I made the payment, not by mail 7 days later. If the account was not verified, then the payment should not have been confirmed. Attached is a screenshot of the payment confirmation showing the payment I made, the date the payment was made, and the checking account use to make the payment.
Consumer complaint received 2023-07-06
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. (MD)

In obtaining a copy of my consumer report from Experian and thoroughly going over it, ive noticed several inaccuracies. As i am well aware of my rights under the FCRA, i am demanding a thorough investigation into these inaccuracies and an immediate deletion of these accounts that can not be properly verified. XXXX XXXX XXXX, XXXX XXXX, 2009, defines XXXX as, XXXX ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' XXXX ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. What this means is that Experian must be willing and able to produce a document in your files that proves the account ( XXXX ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against them. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). If Experian does not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (UT)

XXXX is reporting a late for XX/XX/19 and I ask that they please remove this. I have had an account with you guys for a very long time and I have never been late before and have not been late since. During this time, I did have a family emergency and unfortunately failed to make my payment on time but did pay as soon as I could. I ask that they please remove the late as a one time goodwill adjustment as I have been a very loyal customer. I am in the process of wanting to buy a home and getting this removed would be a great help.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (NM)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2021-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: InterLinc Mortgage Services, LLC (AL)

We purchased our home in XX/XX/XXXX. We have a conventional loan through InterLinc Mortgage. Shortly after the purchase of our home ( approximately 2-3 months ) I filed our homestead exemption with our local county. 

Our mortgage from XXXX XXXX XX/XX/XXXX was {$1400.00}. In XX/XX/XXXX we received notice that our mortgage was going to increase to {$1800.00} which was due to a substantial increase in our property taxes. On XX/XX/XXXX I contacted InterLinc Mortgage about the issue. They advised me to send in proof of my homestead exemption as it appears that the increase in the monthly mortgage payment was due to their estimated increase in my property taxes. On XX/XX/XXXX i emailed them proof of my homestead exemption. InterLinc advised me they received the document and would send it to the research department to adjust my mortgage to reflect the correct amount as my homestead exemption was filed timely. 

I continued to call InterLinc Mortgage approximately 15 times speaking with various customer service representatives between XXXX XXXX XX/XX/XXXX. Each assured me that they were working on my account and they had all the information they needed to correct my mortgage amount. On XX/XX/XXXX I spoke with another representative that advised me that they did not have all the information that they needed and that they needed my tax bill for XXXX to correct my mortgage. Obviously this was frustrating since I spoke with several customer service reps and nobody advised me until almost 2 months later that they needed additional information. By this time we have already paid the incorrect increased mortgage of {$1800.00} for 2 months. On XX/XX/XXXX I left work, went down to the court house and obtained my XXXX property tax statement showing my estimated property taxes would be {$2000.00}. InterLinc Mortgage claimed the property taxes I would owe in XXXX was {$3800.00}. I contacted InterLinc Mortgage again last week. She advised that they have the documents and that the analysis department was reviewing them. She then advised me that after the analysis department reviews the document, calculates what my mortgage should be, it would take 2 MONTHS for them to adjust my mortgage and charge me the correct amount. InterLinc Mortgage has had all the necessary documentation to adjust my mortgage to the correct amount and they are either incapable or unwilling to do so in a timely manner. I demand that InterLinc adjust my mortgage to the correct amount which is something closer to what I was originally paying and refund me for the increased mortgage I have been paying for the past few months.
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC (FL)

I have a mortgage account with Quicken Loans for 6 years. I always had the account on auto pay. In XX/XX/XXXX, after Hurricane Irma, they offered a benefit to victims of the hurricane in Florida in which they could provide a break of 3 months without needing to make payments. I made use of this benefit from XX/XX/XXXX to XX/XX/XXXX. My mortgage was reinstated in XX/XX/XXXX where my payments would begin in XX/XX/XXXX. They re-set my auto payments ; however, only until XX/XX/XXXX. I was never notified that this was temporary. Between the months of XX/XX/XXXX and XX/XX/XXXX, payments were not automatically withdrawn from my account and they reported my mortgage as 90 days late to the credit bureaus. I never requested a change or removal of the autopay. They did that on their own after I had set it up form the beginning of the life of my loan in XX/XX/XXXX. Now they refuse to make the proper adjustment to the incorrect credit report they made.
Consumer complaint received 2021-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (VA)

I have made several payments that have been deemed ineligible towards PSLF by fedloan servicing. Fedloan servicing has reported that there is " No Bill Being Due. '' I completed a privacy act request and got all my loan records from Department of education from XXXX-current. I uploaded these documents which showed that I made the payments and they were processed by the previous loan servicer. Fedloan servicing said that they reviewed the documents on XX/XX/2021 and closed the case without adjusting the count. Additionally some of the dates that say " no bill being due '' were times when my loan was being transferred between servicers or my annual IBR payment was being recalculated. Is the phrase " no bill being due '' a catch all for payments that the servicer can't figure out because of poor record keeping? Additionally, just because a bill was not generated does not mean that those payments don't count. Currently during covid-19, bills are not being generated and the monthly payments are counting as long as we are employed in XXXX XXXX.
Consumer complaint received 2018-06-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Real Time Group, Inc. (IL)

The personal loan was originally with XXXX. XXXX became the financial company associated with this loan. Due to my husband 's job loss, we have been struggling to make full payments. Real Time Resolutions then took over our account. My husband spoke with XXXX XXXX about creating a payment plan. When he created this payment plan in XX/XX/2018 of {$50.00} every two weeks with XXXX XXXX at Real Time Resolutions, we were told that if we made consistent payments of an agreed amount our credit would not be negatively impacted ( no report of delinquency would be communicated to credit bureaus ). We received the letter attached below from Real Time Resolutions demanding payment in full of the loan ( {$4600.00} ) in order to avoid Real Time Resolutions reporting delinquency to the credit bureaus. My husband called Real Time Resolutions regarding this communication. They are saying we must pay the balance in full immediately in order to avoid any issues with the credit bureaus. This information is contrary to what we were told when we created the payment plan. We are making good faith payments, directly debited from our checking account, in order to keep ourselves above water with this as best we can since we are now only bringing in one income with a household of six which includes college payments going out as well as all other household and living expenses. Real Time Resolutions is not being consistent with their information to us as we work through this challenging financial experience. See account information for both XXXX and Real Time Resolutions below : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX   XXXX Real Time Resolutions XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NJ)

On XX/XX/2021 I contacted the company Caine and Weiner via a letter sent through the United States Post Office, regarding a collection I noticed on my credit report. The letter requested verification of the debt, along with proof that Caine and Weiner is licensed to collect debt in the State of New Jersey. At that time Caine and Weiner was not licensed with the Attorney General to collect debt in New Jersey. The collection agency did not verify the debt, but responded to my letter with a copy of a bill I did not recognize. On XX/XX/2021 I responded with a second letter that asked for a verification of the debt, there was no response from Caine & Weiner. On XX/XX/2021 I sent a third letter which was a non response letter. In return the collection agency did respond with another copy of the bill, and no proof that are registered to collect debt in New Jersey. I have attached a signed return receipt from the post office, as well a stamped receipt with the company 's name and address from the post office.
Consumer complaint received 2021-05-04
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. (NY)

I filed a dispute on XX/XX/2021. In regards to the incorrect items on my credit report and it has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2021-05-04
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. (GA)

I sent this complaint to the bureau onXX/XX/2021 by certified mail. They have not addressed the issues and it still remains. The items do not belong to me and i am wanting it to be removed. Here are the items : XXXX  # XXXX, XXXX XXXX XXXX # XXXX.
Consumer complaint received 2021-05-04
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 sent this complaint to the bureau onXX/XX/2021 by certified mail. They have not addressed the issues and it still remains. The items do not belong to me and i am wanting it to be removed. Here are the items : XXXX  # XXXX, XXXX XXXX XXXX # XXXX.
Consumer complaint received 2020-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.
Consumer complaint received 2020-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (GA)

My mortgage was in forbearance due to COVID. When I was ready to end forbearance on XX/XX/2020, I called and made full payment to bring mortgage current. Instead, Amerihome put one of the payments in a suspense account. When I noticed XX/XX/2020, I contacted the company and requested the payment be applied correctly. I was told it would be resolved within a couple of days. Now it is XX/XX/2020 and my payment is still not applied correctly so it appears I am 30 days behind. When I attempt to make a payment, their system will only accept 2 payments to " catch up '' even though I am not behind.
Consumer complaint received 2021-05-04
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: EQUIFAX, INC. (IL)

CFPB XXXX  On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-05-04
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. (MI)

Experian refuses to remove an account that was not mine. I have sent paper work to them, XXXX and XXXX  and all but Experian refuses to remove the account. I have now sent in 3 sets of paperwork, 4 times and they refuse.
Consumer complaint received 2021-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

XXXX incorrectly billed my account after I had closed the account and stopped service. I switched services to XXXX XXXX XXXX and XXXX kept charging my account. My service with XXXX ended in 2018. They sent me the bill and I called them and they agreed that there was no bill to be paid. XXXX  cancelled the bill. However, afterwards a debt collector came to collect. After many phone calls back and forth, they finally dropped the claim as it was false. XXXX still maintains that they are not sending anything to any debt collector and that I owe them nothing. 

Recently Credence Resource Management has tried to collect that same debt, which does not exist. This is now 3 years later and I'm still chasing away these fraudulent debt collectors. They have now lowered my credit score by falsely claiming that I have a late payment. 

Plase help!
Consumer complaint received 2021-05-04
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: EQUIFAX, INC. (NC)

Hello, I reviewed A copy of my credit report and it shows XXXX XXXX reporting a balance of {$420.00} on all 3 credit report. This is a violation of the Fdcpa based on the charge of f/collection being reported with a balance.