davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-03
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$12000.00}, {$2700.00}, {$4500.00}, {$2500.00}, {$7900.00}, {$0.00}, {$41000.00}, {$39000.00}, {$4000.00}, {$18000.00}, {$4900.00}, {$6100.00}, {$9900.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

5. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

6. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$41000.00} -This is not my account. 

9.  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


-- PERSONAL LOAN 11. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

13. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

14. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account.
Consumer complaint received 2017-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc. (NC)

I pulled my annual credit report In XXXX to find a collection for Optimum Outcomes, the following has taken place since then. On XXXX17 I sent a debt validation letter to OPTIMUM OUTCOMES ( attached ) I received no response, I have proof they received it. No indication on credit report it was being disputed. On XXXX17 I sent a letter demanding they delete or send me information I received no response, I have proof they received it. Again on XXXX2017 I sent a follow up letter demanding a response, none was given. All correspondence was sent to address listed on my XXXX Report.
Consumer complaint received 2020-07-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is a collections account on my credit report that I have attempted to dispute with TransUnion. After submitting a dispute and mailing my documents to TransUnion, they claimed they didn't get my documents and asked the collections agency to verify the account. The collections agency verified the account, said they own it and TransUnion ruled with the creditor - without receiving or reviewing my documentation. 
The problem is that, while the collections agency might have an agreement with the original creditor, I also have an installment plan with the original creditor that I'm currently making payments on. Due to this, I'm stuck in a situation where the creditor and collections agency have a dispute and TransUnion is forcing me to manage that if I want my credit cleaned-up.TransUnion refuses to recognize this and update my account accordingly. 
To make matters worse, TransUnion 's website is regularly broken and will not allow me to submit a dispute with documents attached. I've talked to multiple people in their customer support and nobody will take ownership of the issue and help me resolve. They pass me between different agents and eventually hang up on me with no resolution. 
( Due to quarantine issues, I'm not able to go to the post office. ) It is not my responsibility to ensure TransUnion reports accurate information on my credit report - its TransUnions responsibility. Just because the collection agency confirms and claim they own this account does not mean they do. There appears to be a dispute between the collections agency and the creditor about this account. Its not my responsibility to manage disputes between collection agencies and creditors.Its TransUnions responsibility to ensure my credit report has accurate information and based on the attached documents, the above collections account is not accurate and needs to be removed no later than XX/XX/2020.
Consumer complaint received 2020-05-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (PA)

On XX/XX/20 we refinanced our current mortgage with Rocket Mortgage. Our loan should have funded XX/XX/20 but to date, our current mortgage hasn't been paid and we've received none of the proceeds. We were told we had to sign new documents because our online documents didn't match the hard copy dates. We signed new documents XX/XX/20 with promise the loan fund XX/XX/20 which it has not. My wife and I are being held XXXX by Rocket Mortgage because of their mistake. We received no phone call at home, emails or texts alerting us to the problem until Tuesday XX/XX/20. The worst lending experience ever.
Consumer complaint received 2020-07-21
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. (TX)

address names and employment all ftc violation will list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX names : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. 


job : XXXX
Consumer complaint received 2020-07-21
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. (TX)

address names and employment all ftc violation will list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX names : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. 


job : XXXX
Consumer complaint received 2020-05-12
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: ONEMAIN FINANCE CORPORATION (NY)

I was soliciting business with several banks that promised me that there would only be a soft inquiry into my credit report but did hard inquiries anyway. The following companies are : 1. ) Onemain  2. ) XXXX XXXX XXXX 3. ) XXXX  's XXXX XXXX XXXX
Consumer complaint received 2016-07-06
Product: Credit card — 
Issue: Sale of account — 
Company: BARCLAYS BANK DELAWARE (MA)

Barclay 's Bank opened a XXXX credit card account for me without my authorization. Apparently, it won the XXXX account away from XXXX XXXX, where I was a cardholder. I never authorized the opening of a new account with Barclays. What 's worse, when my XXXX XXXX balance transferred over, I began incurring immediate finance charges. I never even knew this was happening because I never authorized this new credit card being opened in my name. By the time I realized all that had been done without my authorization, my account had already been reported to the credit bureaus for delinquent payment. When I asked Barclay 's to produce the itemized list of charges for the now $ XXXX balance, they could n't. And yet, I had to pay it to spare my credit. All the information is available now but in this moment of crisis, no one could tell me anything about this account I did n't open.
Consumer complaint received 2019-06-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Credit Acceptance Corporation repossed my car and l paid the car off all l owe was the Finance Charge after looking at the paper work, credit acceptance repossed my car XX/XX/XXXX and never mail me any paper work so l believe l was done with the car, now XX/XX/XXXX the court is garnishing my paycheck and l can not afford a lawyer to  sue credit acceptance, l believe the lender broke the law, can you help me
Consumer complaint received 2018-04-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC (CA)

BMW financial services ( BMWFS ) assessed a balance of over {$2500.00} upon vehicle return from a lease in XX/XX/2017. Payment arrangements were made through BMWFS for auto pay, however the account was sent to collection. Several attempts have failed to resolve the matter as both the collection agency hired by BMW and BMWFS refuse to clarify what will happen once the balance is settled. I have expressed my willingness to pay this account from the onset however they will not clarify how they will be reporting to credit bureaus once the account is paid.
Consumer complaint received 2016-01-26
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (TX)

An electronic payment of {$140.00} was made to my XXXX account. This payment was sent by mistake to Synchroncy Bank address XXXX XXXX XXXX, XXXX FL, XXXX when it should have gone to XXXX XXXX. The payment was sent XXXX XXXX, 2015 and received XXXX XXXX, 2015. The next month I received a bill from XXXX saying my account was overdue. My XXXX XXXX gave me proof of the payment with a trace number. When this not resolve the issue XXXX XXXX of XXXX XXXX ( XXXX sent around 90 minutes on the phone trying to resolve the issue with no success. After numerous calls to XXXX XXXX, XXXX XXXX XXXX ( XXXX ) arranged a conference call with Synchroncy Bank. At that time we were told there was no way Synchroncy Bank could trace the payment. We were unable to talk to a supervisor even though this was requested. Both XXXX XXXX and XXXX XXXX told me that any bank can check on deposits and they were shocked at the responce we received. Later XXXX sent a Good Faith Letter to Synchroncy Bank verifying that the payment had been made and received. I ended up paying XXXX XXXX {$140.00} to keep my account from being sent to collections.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX and XXXX XXXX XXXX loans. My XXXX loans were sold to XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX. I disputed the fact that I had XXXX XXXX loans in forbearance which XXXX XXXX placed in forbearance as well ; yet, when XXXX XXXX sold loans to Navient, they did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance Loan Declaration.pdf for forbearance dates ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXX and sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no  longer needed her assistance. In XX/XX/XXXX, XXXX XXXX XXXX reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at XXXX on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to XXXX XXXX XXXX and can not make any changes to the credit reporting. I disputed the inaccuracy with XXXX and they upheld the credit report and made no changes. I have attached credit reports of mu XXXX and TransUnion report for reference.
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I try applying for credit and they told me my score does n't show and I been getting deny. So how can I build up my credit if n o one g ive me a opportunity. Where to star. And the  XXXX  credit bureaus got to update my score
Consumer complaint received 2016-11-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

For years, Bank of America has emailed me personal information on another customer, including full name, home address, last four digits of account numbers, and account balances. There 's no way to unsubscribe, and I 've submitted numerous complaints to XXXXXXXXXXXX and never received a response. I 've also called and talked to their customer service, but they were n't able to do anything.
Consumer complaint received 2018-07-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Managers, Inc. (WA)

I contacted XXXX XXXX and told them I wanted to lay my debt of XXXX   dollars and change. I was then told it was already in their legal department and their lawyer filed a case so I owed interest and lawyers fees. I was then told rudely if I dont show up on Monday XX/XX/XXXX to pay I was done and would be taken to court. I contacted the law office and the secretary had no idea what I was talking about cause they do injury claims.
Consumer complaint received 2020-05-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WASHINGTON FEDERAL BANK (NV)

I put it in federal court, FTC, FBI, I am being retaliation upon. I lost 6 laptop in the past 5 years. This is what cost me my job in 2015 XX/XX/XXXX. 
I have been data breached so bad that my info is in other countries, not only is this a problem foreclose. i am in trouble for tax evasion from other countries that I am just finding out about. 
The mistake of data breach, ID Thief. Has about made me a XXXX   person. 
see the doc from the attorney general.
Consumer complaint received 2015-08-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (CA)

I opened a Gap credit card on XXXX XXXX, 2010. I had years of good payment history, however, soon after moving to XXXX, XXXX, despite notifying them of my new address, they were sending my bills to a XXXX XXXX that was in my mother 's name, in XXXX. I contacted them many, many times about this issue, and had previously submitted a complaint against them. I tried working with them, and they pushed me to make my payments online, but I explained that I paid all my accounts with checks, and did n't feel comfortable using their online platform to make payments. There were several attempts on my part to get my address corrected, and get my statements sent to my home. Each time, a rep assured me that the issue was corrected, but then I would never receive my statements. Finally, they contacted me to say that they were closing my account. I have 5+ years of history on this account and a good limit, all of which were good for my credit score. They closed my account because I missed some payment, but I missed those payments because they did not send them to me, and I could n't review them. Having this account closed negatively impacted my credit history. Now that the account is closed, they have finally figured out how to send my statements to the right place, and I 've been paying on time, like I always had, before this was an issue.
Consumer complaint received 2019-06-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Performant Financial Corporation (CO)

My ex husband from a divorce 19 years ago, named XXXX XXXX XXXX, now deceased, has had obvious credit fraud against his social security number. 
Today a declined XXXX department store credit letter came to my address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX, in his name. Also, other harassing threatening calls from XXXX, stating I have a legal matter in the judicial district and they know what my license plate number is and my make and model of my vehicle. I believe this is happening because i reported discrepancies with the college loan lender servicing company : Performant Recovery Inc. located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. It is my belief this company is using a retaliation tactic to cause harassment against me, now by using my DECEASED, ex husbands social security number to create more credit fraud. 
Please investigate this company, who had my ex husbands social security number, on loan documents from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX. I had requested the loan be removed from collections with Performant  due to the death of the primary signer on XXXX Student loans that I co signed XXXX. XXXX death certificate was filed on XX/XX/2016, in XXXX County, Colorado, # XXXX. I am trying to get the credit bureaus to freeze his social security number, however, i have to send them all the death certificate and a form in the mail, they will not do this over the phone. 
Please investigate the tactics of these companies and the use of the client information systems.
Consumer complaint received 2020-11-15
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (CA)

In XXXX 2020, Macy XXXXs reported a late payment for a store credit card. I requested that the late payment be removed from my credit report as the account has been paid in full, and is currently in XXXX relief status, during which time late payments should not be reported. However, the late payment is still showing on my credit report. I would like to request that this be removed.
Consumer complaint received 2017-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MD)

Dear  Consumer Finance Protection Bureau, I have been having a problem with the Ditech LLC,   loan servicer for my mortgage.  <P/> After months of working to negotiate a loan modification I have been denied. The loan modification process was fraught with constant frustration in dealing with Ditech which has insisted repeatedly on applying grossly inaccurate and incorrect information to my application.  <P/> At this point I have no idea whether I would qualify for a loan modification or not, but I have concluded th at Ditech was never working in good faith to determine if I could qualify for one, tho ugh their attorney told me in foreclosure mediation that I would definitely receive a modification and be able to keep my home. It seems in hindsite that their strategy was simply to burn up time and let my monthly arrearages accumulate until they go to a point where the amounts were too great to qualify for any forbearance in a loan modification guideline.  <P/> While I have not given up on the possibility of pursuing a modification to make my payment more affordable, I am now forced to switch approaches to the immediate problem, because the foreclosure process has moved forward and has gotten to the point where there is a Foreclosure sale scheduled for Monday,  XXXX   XXXX ,  2017, at   XXXX . This is only 5 days away.  <P/> As an alternative to this foreclosure I have been attempting to pursue making full payment of the past due amount to reinstate my loan. However, again I am experiencing that Ditech is not working in good faith to accomplish this.  <P/> On  XXXX   XXXX ,    2017 I made  a formal request by phone to Ditech for the full amount of funds required for reinstatement. Ditech told me this number would tak e 3-5 b usiness days to prepare. Today  XX/XX/XXXX , is the 6th business day. I have not received the reinstatement amount.  <P/> Ditech is not answering my phone calls ; they are being filtered directly to voicemail ; and Ditech is not returning my repeated voice mail messages.  <P/> I do not intend to allow the foreclosure process to proceed and will seek the alternative of a bankruptcy filing to prevent it however, this is not only asinine, but very harmful to my attempts to rebuild my life and prevent additional damage to my credit history.  <P/> I have secured through savings enough money to presumably pay the reinstatement amount tomorrow. But because Ditech is ignoring my phone calls, and my request for a reinstatement amount, I can not make the reinstatement payment.  <P/> This forces me to spend another {$3000.00} dollars in legal fees to stop the sale with an unnecessary bankruptcy filing.  <P/> This just seems wrong. Are there any laws being broken with Ditechs obfuscation, stalling, and delaying tactics?  <P/> Is there anything you can do to help me with this? Anything at all would be greatly appreciated.  <P/> Thank-You
Consumer complaint received 2021-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Regional Management Corporation (NM)

On XX/XX/2019 i paid XXXX XXXX nm branch of regional finance amount of XXXX dollars to pay off my loan they gave me a receipt that was for my final payment supposedly the person on the receipt that took my payment was a person by the name of XXXX XXXX. 
I didn't think of it at the time i was happy to pay off my account. As i have with several other loan company 's that i work with. And several months later i start getting collection Calles and notices that i have an unpaid amount of $ $ $?? 
So i contact the company regional finance no longer located in XXXX XXXX nm XXXX that is now in XXXX XXXX nm. I questioned them asked why they say i still owe. They stat I didnt pay. I say i did and my receipt says the person who took my payment was some XXXX XXXX and the person on the phone says oh that's me but my name is XXXX. So i said ok well i paid you on the date stated above. Long story short said i didnt pay and that someone gave me a fake receipt. I still have a copy of my receipt that i submitted to regional finance and they still rebuttaled i didnt pay. With different stories that started confusing me this company needs to be shut down for destroying my credit and my self worth of always paying my debts. I will not pay another penny over the amount ive already paid. Need this fixed it was given to a debt collection agency and i have shown them my receipt also by email and they are still after me for wrong doing of regional finance.