davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

Rushmore Loan took over servicing of my mortgage and discriminated against me. They refused to honor previous modifications they refused to verify the debt claiming I did not owe it because it was discharged in bankruptcy, Affirmations verifying the debt were inaccurate according to their own filed documents. When I called about the modifications that they were supposed to honor they claimed they were not valid that payments were not received despite the fact the ledger from the previous servicer listed them. They claimed they needed my copies of payments which I sent only to have their employee tell me they did not have to honor it and that if I wanted to keep my home I should learn to pay my bills.

They have recorded the 3 payments for the first modification and 2 payments for the 2nd modification and a letter stating an agreement for a modification from XXXX. The modification payments were never applied to the loan and when a ledger was requested from Rushmore they sent one so small no one could read it they only sent one I could read after they filed for judgment. They have purposely continually discriminated against me despite the fact that I am more than able to make payments
Consumer complaint received 2018-07-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP (NJ)

Pressler Pressler located in XXXX New Jersey harasses me with phone calls and threats for a long time. They they took me to court but I did not receive notice because I moved. They won in court because I didnt know about the case. My check has been garnished, I tried to fight it in court but the XXXX County Judge told me too late, too bad. I have had my check garnished for approximately 3 years even though I know Pressler Pressler has been proven guilty of unethical practices many times over. I would like to be able to stop this illegal garnishment, and receive all monies paid to them back.
Consumer complaint received 2018-07-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I requested that XXXX XXXX provide me with copies of full accounting of two accounts they are reporting on my credit report XX/XX/2018. 
The law requires them to provide these documents within 30 days or they should remove these accounts from my credit report. 

I have yet to receive any copies of any letters that says they own the debt, when the debt was transferred by the company or an accounting of how they came to the amount they claim I owe. 

I would like copies of these documents according to the FCRA.
Consumer complaint received 2019-06-08
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. (SC)

TransUnion continues to report fradugelent information on my credit report after I have provided with proof of a police report & identity theft report that these accounts do not belong to me. I have no knowledge of these account or give anyone permission to open these accounts in my name. The following accounts XXXX XXXX/XXXX, XXXX XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX/XXXX XXXX do not belong to me. They are also reporting names that I told them are incorrect. My name is XXXX XXXX that is how my name should be on my credit repport. I have never lived at XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX, SC or XXXX XXXX XXXX XXXX. These inquires that are being report I never gave anyone permission to access my credit or review it for the following companies XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX
Consumer complaint received 2022-09-17
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. (CA)

On XX/XX/2022, I sent out a 609 letter to all three bureaus addressing accounts that I saw a sufficient amount of errors asking them to validate and correct all errors. On XX/XX/2022, I sent out three demand to comply letters, asking them to comply with their rules, seeing that I had not heard back from non of the bureaus. It is now XX/XX/2022, I'm yet to hear back with any results. I have exhausted all my options and according to what I read on the laws pertaining to this situation, lodging a complaint with your department seems like my only option if I decide I want to go to court.
Consumer complaint received 2018-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

This complaint is connected to Complaint Numbers : XXXX Caliber Home Loans XXXX XXXX XXXX XXXX   Representing : XXXXXXXX XXXX XXXXXXXX, XXXX. as Trustee for XXXX XXXX XXXX XXXX XXXX transfered Mortgage to Caliber Home LoaXXXX XX/XX/XXXX XXXX Kept filing papers for Foreclosure after XX/XX/XXXX Caliber refused to communication and work out ANY payment schedules. 
Loan was In Husband and Wife Name and was foreclosed in Husband name only Wife is still In Title per XXXX XXXX Superior Court. 
House is vacant and need contact number to negotiate to move back into home of 43 years. 
Caliber Home Loans has had my permission to talk to CFPB and refuses to answer my calls regarding the CPFB Complaint referenced above. 
Sent Hand written and legal docs to MR. XXXX XXXX on XX/XX/XXXX. Still no Response.
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (MA)

I had not thought of asking CFPB for help. However, I received the following email from a XXXX Banking agency : Dear XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is the regulating authority for state-chartered institutions in the XXXX of XXXX. TD Bank is not a state-chartered institution, but rather a federally chartered institution, as a result, TD Bank falls outside the Division 's regulating authority. TD Bank is regulated on the federal level by the Consumer Financial Protection Bureau ( " CFPB '' ). The CFPB may be reached at XXXX or at the address listed below : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX www.consumerfinance.gov ( F ) ( XXXX ) XXXX The Division appreciates your correspondence and hopes that this matter can be resolved with the appropriate regulating authority. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following is the email I had sent to them : Have Checking Account with TD Bank. Ordered checks from their required source XXXX XXXX on XX/XX/XXXX and received email confirmation from XXXX. 
Unfortunately, they do not accept replies. Was unable to login to my TD Bank account. Could not even change my password. Wrote a letter to the Manager of the TD Bank on XXXX XXXX in XXXX, on XX/XX/XXXX ( attached ), where I had established the account. No response other than ignoring my letter. 

XX/XX/XXXX ( attached ) wrote a letter to TD Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, XXXX  XXXX, with Ccs to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX. I did not expect a response from your office because I specified that I was not asking for help. I incorrectly presumed that one of the companies would help. Both TD and XXXX XXXX have ignored my correspondence. 

I have not attempted to call because I have profound hearing loss. 
Please help! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2021-11-10
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. (IL)

I've sent disputes to Transunion regarding 6 inaccurate accounts on my credit report. I sent two letter on XX/XX/2021 and XX/XX/2021. I have not received any results in the time allowed. Below are the accounts I asked Transunion to delete from my credit report for inaccuracies : 1. XXXX, Account Number : XXXX 2. XXXX XXXX, Account Number:XXXX 3. XXXX XXXX, Account Number : XXXX 4. XXXX, Account Number : XXXX 5. XXXX XXXX, Account Number : XXXX 6. XXXX XXXX XXXX Account Number:XXXX 7. XXXX XXXX, Account Number : XXXX 8. XXXX XXXX XXXX, Account Number : XXXX 9. XXXX XXXX, Account Number : XXXX
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I have been trying to reach Capital One regarding unauthorized charges and their status. 
I would like to get a refund check for the credit balance on the account and close my credit card account.
Consumer complaint received 2018-07-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

On XX/XX/2018, I called back Navient to try and work out a payment plan on my Private student loan. I spoke with XXXX, who became frustrated that I could not make the payment they were asking for with {$180.00}, due to bills and my income. I asked if there's any way to forebear or defer, to which she said no. I asked if I can make payments of {$50.00} or what I could afford and not default she refused and got snippy then sent me over to a supervisor. XXXX gets on the phone and is immediately hostile. I explain to her the same thing with bills, my income and the financial work up, she states that they will just send me litigation and have the government garnish 25 % me then I won't be able to pay my bills. I ask her if I re-enroll in school will I get a deferment, she gets angry and says she is going to mark me as refusal to pay and hangs up the phone on me.
Consumer complaint received 2018-07-24
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. (CA)

CHAPTER XXXX BK WAS DISCHARGED ON XX/XX/2011 AND ITS STILL ON MY RECORD I WILL LIKE IT TO BE REMOVED
Consumer complaint received 2021-11-10
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: Bread Financial Holdings, Inc. (GA)

On XX/XX/2020 I found out there is an account that does not belong to me. I never applied nor agreed to terms with this XXXX company. I contacted them about this information. I had just purchase my home, and started receiving forwarded mail from an address Im not associated with for a bill from XXXX. I do not own this account nor did I agree to any terms with this company
Consumer complaint received 2018-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery has placed an account on my credit report with a balance not owed on the account. I requested a copy of documents that show that I owe this amount and they have not been able to provide documents. I filed a complaint with XXXX XXXX XXXX   and they too were not able to provide me with documents showing the amount they claimed I owed. On their letter head it says I owe them hundreds of dollars but on the billing statement XXXX XXXX XXXX has provided it does not show this amount. 

I have enclosed a copy of the document XXXX XXXX sent to CFPB that says they sold the account to XXXX for a different amount then the billing statements. 

I can not see how this is lawful and is it is damaging my credit report. I have filed an investigation with the credit bureau 's and will be filing a complaint with other agencies
Consumer complaint received 2019-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Consumers Inc (MD)

I have disputed several medical debts with this company ( United Consumers Inc ) and the credit reporting agencies for reporting  accounts that do not belong to me and are greatly impacting my credit report. When disputed with the credit reporting agencies this company continues to verify this debt through the stroke of a keyboard using the Credit Reporting Agency XXXX - ( XXXX XXXX XXXX XXXX  XXXX  ) without any substantial verification. When I dispute with the company, they send me a printout of hospital visits ( in my name ) but visits and treatments that I never took - how does this happen?!. This I'm sure is a direct HIPAA violation. I hope CFPB can help me get to the bottom of this. Otherwise, the only thing I know left to do is hire legal counsel and pursue litigation not only against United Consumers Inc but the credit reporting agencies as well for unsubstantiated reporting and sharing medical information of another individual.
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

This refers to complaint no. XXXX. 

Equifax supplied a phone number to resolve this complaint. It was answered by a foreigner. This is exactly what my complaint was about in the first place, which is the use of foreigners to discuss my credit history. I will not talk to foreigners about my credit history. Equifax is exposing all Americans with credit history to fraud and identity theft. 

My address is XXXX XXXX XXXX XXXX, XXXX AZ XXXX
Consumer complaint received 2019-06-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C. (MO)

This firm XXXX XXXX XXXX, XXXX / BLITT AND GAINES, P.C filed judgement against me on XX/XX/2010. I have paid them over XXXX on an original judgment of XXXX they sent me a new judgment amount showing I still owe XXXX ( see attached statement ). They have issued a garnishment against my wages that jeopardizes my employment and my ability to pay my month debts. I tried in the beginning to pay this amount directly to them versus garnishment and they would even respond.
Consumer complaint received 2019-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (DE)

I have made my mortgage payments on time. For the past 3 months, the payment was rejected and returned to my bank without notice from the mortgage company. I re-submitted payment several times until it was accepted. I have had my XXXX mortgage payment returned to me without notice from the mortgage company. It is now XXXX and my credit will be impacted negatively due to the span of time that has passed since a payment was accepted. There has been ZERO contact from the new mortgage company that is servicing my mortgage since XXXX is in Chapter XXXX. How am I expected to continue to maintain good credit practices without support from the company servicing my mortgage now? I will not submit late payments when I paid on time. I am very hesitant to continue this issue with no contact from the new company. When I attempted to register for servicing my account with Myloancare.com, my credentials were denied. Their site would not accept my social security number for their registration process. With the technology available today, there is no reasonable excuse as to the complete lack of support from this new mortgage company. I have absolutely no way to make a mortgage payment, or maintain the good credit rating that I have acquired throughout the life of my mortgage.
Consumer complaint received 2018-07-24
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. (CA)

CHAPTER XXXX BK WAS DISCHARGED ON XX/XX/2011 AND ITS STILL ON MY RECORD I WILL LIKE IT TO BE REMOVED
Consumer complaint received 2018-06-06
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AAA Collections (SD)

They called me to harass me about a debt they already tried to harass me about before. I told them to stop because I wanted nothing to do with them and today this morning they called again. Only now the debts they are trying to collect are outside the statute of limitations in my state. They were rude, hung up on me, and talked over me and wouldn't answer my questions related to the debts. I didn't acknowledge them because no specific info was received.
Consumer complaint received 2021-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I XXXX XXXX XXXX XXXX give Navient the authorization to respond to this complaint. 

Navient was asked to send specific documentary evidence the Original Promissory Note, Account Ledger, Books, and Records of where the account was funded the Audit Trail and whom that money was sent to because I never physically touched any check or money to pay for any education also Navient is operating and collecting information and disbursing information on an expired OMB No. They have no extension or new filing for the promissory note this information was obtained from reginfo.gov which I've added to my exhibits of unfair practices to collect information and collect on an alleged debt. Also I am revoking my alleged agreement be sold to a new company I do not give my consent for Aid vantage to obtain any of my personal documents or public documents social security number alleged agreements etc. I advise Navient to XXXX out all accounts and leave it in good standing if they can not produce the Original documents signed by the two parties. Navient also lied to me and said they are a government entity when they are in fact only a servicer third party to the government entity!
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (FL)

I was buying XXXX XXXX XXXX XXXX, spoke to customer care in XXXX XXXX, XXXX XXXX that, that specific product is not available in other store than XXXX XXXX itself, so suggested go financing for 18month @ 0 % interest.so it took me to barclaycard website.so I applied.they denied my credit.i just checked my credit report that they did a hard inquiry on my report, which is not right.please help protect my right.thanks.im an us cutizen.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ad Astra Recovery Services Inc (TX)

This company is reporting information on my credit reports however they are not legally permitted to collect in my state because they are not bonded in Texas. I currently live in Texas and have always resided in Texas. I have checked the website of my secretary of State with the information they provided on my credit report. My search concluded that they ARE NOT BONDED in the state of TEXAS. Not only that, I have sent several 609 letters asking for them to " Verify '' the information that they are reporting because these debts are not mine and doesn't belong to me. They have yet to provide adequate proof and still reports on my credit. Please note the following information pertaining to the debt collector including their address, Bond number, Amount they are reporting and date they reported : 1 ) Ad Astra Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX  Bond number XXXX  & XXXX Amount reporting {$1200.00} Date of reporting XX/XX/2016 XX/XX/2016
Consumer complaint received 2020-09-18
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. (OH)

Equifax is reporting a Collection account # XXXX. I have requested to have this account delete as there is no way to verify this account as the credit is not listed and it's been over 30 days since the requested was placed. 

This is incomplete file and erroneous information affect my credit profile. Also, I was victim of Equifax data breach and my information was exposed to the public. I'm not familiar with this account.
Consumer complaint received 2018-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (FL)

I mailed a debt validation letter on XX/XX/XXXX to XXXX XXXX XXXX to validate the alleged debt. I stated in the letter that the collection agency has 30 days to validate the debt which they never responded to my validation letter.
Consumer complaint received 2018-07-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (IL)

When my mother passed, I inherited her property. I received the deed a few months after her passing. I worked out a modification with the original lender, XXXX, and was paying as agreed upon. Eventually, my loan was sold to Selene Financial. I entered a new modification plan with them and was paying as agreed. My payments were to be around $ XXXX/mo ( with taxes and insurance escrowed ). Unexpectedly, my mortgage doubled to around $ XXXX/mo with no explanation. The mortgage statement said that my escrow was - {$4200.00} which i would take that to mean that they paid the taxes and insurance but after speaking with the county, Selene never paid them. I had to pay my taxes and insurance out of pocket. They are no longer accepting my payments and they are not honoring the modification.