davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc. (NV)

ON XX/XX/2018 i sent a certified letter to XXXX XXXX asking them to validate on a account i never received any bills prior to the debt hitting my credit report, the total amount of debt balance is {$2600.00}. It has been over 45 business days and the company has not replied to the certified letter asking for validation that they recived XX/XX/2018. This company has now violated the rules and this debt should be removed.
Consumer complaint received 2019-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (MI)

On XXXX a debt popped up onto my credit report stating I owe money to a company called XXXX XXXX XXXX. The newest company to claim this debt which shouldn't be coming back to me. This debt was a very old bill which I have already shown was fraudulent multiple times before and had it removed. Yet it keeps getting sold and put back on. The debt claims it was opened in XXXX of last year. I disputed and I'm not sure what proof they provided but it was not deleted and still the dates claim I had an account with them in XXXX of last year. This is not true or anywhere near true and it needs to be, once again, removed from all credit reports and not sold this time to ruin my credit once again.
Consumer complaint received 2017-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I try to cash out on   XXXX   XXXX   but it says that my back has n't updated i n 8 week s, not sure why. I went over everything 3 times just to make sure it was correctorthay everything was filled out so I do n't understand what 's going on. Please help!
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

As I reviewed my recent report, I have found an erroneous information reporting on my TransUnion Credit Report. The payment history are incorrect and inaccurate. I was never late on this account. I've already sent a request to TransUnion to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX Balance : {$190.00} ALLY FINCL XXXX Balance : {$33000.00}
Consumer complaint received 2022-09-07
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: FC HoldCo LLC (FL)

The credit bureau did not investigate the late payment reported on my credit report from flagship credit acceptance. By consumer law, they are a corporation, i am a consumer and flagship credit acceptance is damaging my report and my life.15 USC 1681 ( 2 ) Exclusions consumer report containing information solely as to transactions or experiences between the consumer and the person making the report. please investigate and have the company change or delete the late payments. thank you.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One marked me as 60 days late when I called them and paid off the past due amount that was charged to me for an annual fee. They assured me they would take the late payment off since it was an error but my credit score dropped XXXX points
Consumer complaint received 2018-03-22
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)

I've contacted XXXX several times over the past year to dispute a state lien that's presently showing on my credit report. I've disputed this indicating that this doesn't belong to me. I've asked for the specific information used that indicates that this belongs to me and XXXX will not provide that information to me. I've also asked that this information be removed because of it's inaccuracy, yet my only responses have been, " we've already investigated this item ''.
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

CITI bank closes my credit card account and suspended all of my cash back rewards in the account. CITI bank never tells me the reason for closing my account and refuses to send my cash back rewards. I have about 700 US dollar cash rewards in my account.
Consumer complaint received 2018-03-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (FL)

After Hurricane Irma left us with property damage I called Quicken Loans to place the mortgage in forbearance. They walked me through the process of how an adjustment would work and applied the forbearance.

I've had monthly phone calls where they've checked in and they've asked me each time if it was my primary residence and if it was occupied and each time I've told them it is not my primary residence, but it does have a tenant who is renting from us.

This month when the time came to adjust the mortgage they've told me that they can't adjust it because it's a second home so I now have a {$7000.00} balance due, or {$510.00} a month for 12 months ( they adjusted from 6 months to 12 ). I can not afford an extra {$510.00} a month, I don't have that money sitting in my checking account. Quicken 's response is just " sorry we made a mistake, you need to pay for it ''. I've done the right thing in trying to repay the loan on a property that is upside down when everyone else foreclosed or short selled, now my credit and life is ruined. They are engineered to " amaze '', but not in the way their marketing department wants them to be.
Consumer complaint received 2018-03-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Viking Client Services (LA)

The scam Viking Client Services repeatedly calls my cell phone, my office phone, and even friends of mine - which I can only assume they got all these numbers by hacking my cellphone Contacts list. I double checked my credit reports to find, as expected, nothing mentioning Viking Client Services or collection accounts. It is not only a scam, but also an infuriating one since they are smearing my name to random friends. I've googled them and loads of other people have complained about their scam demanding money. They falsify their identity as a debt collector.
Consumer complaint received 2017-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (CT)

I was seen in the emergency room at  XXXX   XXXX   XX/XX/16    my insurance company  XXXX   XXXX   XXXX  paid the bill and I have a copy of the letter from my insurance company stating that I am not responsible for the bill  XXXX   XXXX
Consumer complaint received 2022-03-03
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: Experian Information Solutions Inc. (GA)

I recently filed some complaints, my information has been leaked to the dark web here a day ago I just hired and attorney to sue XXXX for damaging my credit and hurting me financially I have accounts I no my credit that does not belong to me and are fraud Im disputing these accounts as follows XXXX XXXX car loan, XXXX XXXX credit card. XXXX  XXXX credit card and XXXX XXXXl credit card and XXXX XXXX credit card.. I want these accounts removed off my credit I have filed a ftc identity theft report about these accounts, I also filed with the attorney generals office here in XXXX to help with the situation, I do have a lawyer taking this case to sue XXXX, my information has been exposed and has been used, so I want these accounts removed with no excuses because I have been treated rudely by people at XXXX, understand this has caused a lot of problems for me so please know I am providing evidence
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (GA)

Some one has opened accounts in my XXXX XXXX XXXX sons name without my permission. The chase website says that my XXXX XXXX XXXX son is a current customer. My assumption is that a close family member has opened this account without my knowledge. if you can provide any documentation as to when the account was opened, signature card, current balance and direct deposit information. I have copies or his birth certificate and social security card if needed. SSN # XXXX
Consumer complaint received 2018-03-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (AL)

Navy Federal Credit Union is who complaint is against. XXXX ( loan officer ) I was denied mortgage lending by Navy Federal Credit Union based on discriminatory practices. When I challenged Navy Federal about the decision I was told it was due to a collection item on my report for {$120.00} that turned out to be an error. I had been approved by 2 other banks using same credit report.
Consumer complaint received 2021-04-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc (MI)

I received a credit alert that stated I have a account in collections from Williams and fudge company. I received no notification from this company or the college they are listing on my credit report. I have not received a bill, debt letter, notification of an account being sold to a debt collector anything. I had federal student aid which covered my courses while attending courses so I was not obligated to pay any out of pocket fees. I have not signed any contracts acknowledging this debit or taken responsibility because my first time even knowing about it was when it was posted to my credit file causing my score to drop. The debit collector and XXXX XXXX college has failed to provide me any proof or knowledge of this so called debit, they have failed to contact me by phone, email or us mail with any claims that I owe a debit. This debit was not verified and there is no contract with my signature. Under the FDCPA law I am requesting proof and some form of contractual obligation that is binding me to pay you this debit
Consumer complaint received 2017-06-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NC)

First there were many problems with recertifying my repayment plan with Fedloan. Fedloan requested I resubmit my tax returns over 6 times because I did not do the paper work correctly. Then my payment went from {$720.00} to {$1500.00} to {$2300.00} to XXXX in less than two months. I called ombudsman and gave the company another opportunity ( 8th chance ) to help me resolve the issue. Now my deferment was approved for a couple of days then removed and I owe {$6000.00} by XXXX XXXX, 2016.
Consumer complaint received 2022-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (CA)

XX/XX/2022 I receive a letter < debt collection, from ON LINE INFORMATION SERVICES XXXX XXXX XXXX XXXX NC XXXX PHONE # XXXX XXXX XXXX Stating that I owe {$160.00} for the company XXXX XXXX XXXX XXXXXXXX XX/XX/2022 I called the company and they stated that it is regarding an account for someone with my name in Texas and that i need to do this report along with a policy report in order to prevent for this to be on my credit repost thus I am doing it. Please help, I have never lived in Texas and I do not know what is in regards. Thank you
Consumer complaint received 2020-05-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX I received a call from XXXX. I was asked to call another number at XXXX and provide them with the claim number XXXX. I spoke to XXXX at XXXX XXXX XXXX. She mentioned that their company was hired to collect a debt from XXXX. She offered me a settlement amount of XXXX. I told her that I would call her back. Later that day, she called me again. I did not answer. 
Today, XX/XX/XXXX my place of employment received a call about garnish procedures. They left a message with the place of employment general number. They mentioned my position as the person of contact. My identity was easy to identify. I also received an email at my place of employment email. I never provided this information. I did pay the debt because I felt uneasy about the threat and I risk losing me career credentials.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NC)

I start a create monitoring account with Experian that was free for the first month and {$25.00} per month thereafter. I have been charged for multiple months and would like to cancel the account. Experian does not permit cancellations online or by email. I have tried multiple phone numbers associated with Experian customer service and have been unable to successfully cancel. During one call, I wanted on hold for more than 2 hours.
Consumer complaint received 2017-06-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I have had a very difficult time  with OCWEN. I have tried to submit for a loan modification a couple of times. I was never able to communicate to the same person which always caused confusion. Ocwen always seemed to lose my paperwork, which I constantly had to re-fax. I also had a very difficult time understanding the overseas representatives.      I am now in a full modification review with all the documents  Ocwen  has requested submitteed. I was told by my assigned rep  XXXX   XXXX  that the foreclosure would be placed on hold while I am in review. Today I have been notified th at Ocwen has  a sale date of  XXXX / XXXX / 17  on my home.     My husband is  XXXX   years old and this is causing a great deal of   XXXX   and concearn. We feel like Ocwen h as lied to us and backdoored a foreclosure sale date.
Consumer complaint received 2022-03-03
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: EQUIFAX, INC. (FL)

I have no knowledge of these inquiries. I didnt fill out these applications and never signed off on any of these. I am a victim of Identity fraud. I spoke to a rep from XXXX, XXXX, and equifax on the phone today and they were not able to help me through this, so I told them I would reach out to you all. 

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 Equifax account inquires : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-03-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (NJ)

I had a XXXX account with XXXX. In about XXXX of XXXX I had to close the account. XXXX was able to close the account for me. However, they indicated that they were going to charge me the full month of service, but then pro rate it from the day of termination and provide me a refund. So I had the full month charged and paid, but then XXXX owed me a {$160.00} refund. Due to what I have been told several times by XXXX customer service representatives was a " system glitch '' I was not in the system as " being owed '' {$160.00}, but rather I owed them the money. 

I have called XXXX countless times and each time they have apologized and promised to fix it. After a year of this complete incompetence, XXXX finally sent my refund check in the mail in the amount of {$160.00}. I received the check XXXX of XXXX. Yet still to this current day ( XX/XX/XXXX of XXXX ) I am in collections with XXXX. I have been in collections for over a year. My credit score has been destroyed due to this " serious delinquency. '' And XXXX has given me no recourse. I can not even get through to their collections department. There is no email to contact XXXX. It is just endless transfers from department to department. The only way I was able to get through to XXXX after an hour of endless transfers was through an automated chat. And then after the chat was completed there was no option to save the chat for further reference.
Consumer complaint received 2017-06-16
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: EQUIFAX, INC. (CO)

Equifax continues to report outdated and obsolete information on my account.     They refuse to delete it because they state that the law reads they do not have to delete it until the information is outdated 7 years from the date of the last activity.     The law reads that the original delinquency date is the date when the account first became delinquent, or past due. Delinquencies ca n't stay on your credit report more than seven years from the original delinquency date, even if you pay your bill in full the very next month.  <P/> Credit bureaus are to REMOVE the outdated information on an account seven years after the original default date no matter who has bought the debt or when, the account has to come off your credit report.  <P/> Mr.  XXXX , I.D . #  XXXX , a supervisor at Equifax says is it from the date of the last activity. He does not know the law and Equifax should be fined for falsely misconstruing and violating the law. The law states it is from the date of the first delinquency not the date of last activity.  <P/> I want the outdated information removed from my credit report immediately.
Consumer complaint received 2019-02-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I call specialized loan services and ask why is there a late payment showing on my credit report. i did a refinance and we was closing escrow and suddenly there was a late payment reported. lender told me not to make the payment because we are closing escrow. Now i cant refinance the rest of the property with a score damage. XX/XX/2019 in the amount of {$2400.00}.
Consumer complaint received 2018-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (VA)

A company by the name of AR Resources Inc. of XXXX XXXX, PA. has put 3 " unpaid collection '' line items on my CBR, out of the blue.! I have never spoken to this company regarding anything, or received any phone calls or messages from them, or anyone about a supposed bill I've never paid, until they posted three unpaid debt collections on my CBR two months ago. Never.! When I called them ( several times beginning in  XX/XX/XXXX ) stating they have made a mistake about some debt I owed, they stated they would send me a bill from an emergency room visit in XX/XX/XXXX. ( I haven't been to an emergency room in 40 years ). So after asking me to wait for 30 days, they never sent me anything. I called them again, and they said they would mail me the supposed bill again, and to wait for 30 more days, again. The lady stated that since I didn't have any medical insurance, that is why I'm being charged and I have to pay. I told her I've had medical insurance with the same company I've worked for for the last 30 years. She seemed surprised and took the insurance information, and said not to worry, she would submit the bill to my insurance company. No word, no bill, no nothing, so 35 days later I called again, and was told that they sent the claim to my insurance company and that's all they could do. I then asked why have they listed this one " bad bill '' of {$650.00} on my CBR report as three separate items.? She said she didn't know why it's listed three times on my CBR, and she could not help me fix it. I said ; you put it on, why can't you take two off while this is being researched and resolved, leaving the one item/bill.? She said to write the CBR companies, if it appears more than once.! Wow ... I called my medical insurance company today, and they stated that the " bill '' is way past any normal time limit of one year for them to consider paying it. I asked the insurance company to please double check and see if this bill that is supposedly mine, was ever submitted at any time before. The lady clearly stated, it has never been submitted to my account before. Please help me to get this incorrect, almost 2 year old medical bill off of my CBR's..! These three bad marks for unpaid collection debt first appeared on my CBR on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2017-06-16
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: EQUIFAX, INC. (FL)

Hello I would like to submit a complaint against   XXXX   I have disputed a account that does n't not belong to me the credit agency name is FAIR COLLECTIONS AND OUTSOURCING and I have ask for proof showing that this account belongs to me I have contact the credit agency also and they have this account under a person name  XXXX   XXXX  and my name is  XXXX   XXXX  I have never changed my name or used another name and have contact both parties and nothing has been done expect  XXXX  has sent my credit report to be stated " VERFIED '' but nothing was sent to me showing how this was verified I sent over a copy of my ssn and Drivers lincense card to them and still nothing has happen and they have not verified to me how this info was verified I would like the incorrect info off of my credit report as this does not belong to me