davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

On XX/XX/XXXX I took out a mortgage with XXXX XXXX XXXX XXXX, a federally chartered savings bank for the amount of {$290000.00}. I defaulted on my mortgage because I could not keep up with the payments. Since I took out my mortgage in XX/XX/XXXX, it has been transferred three different times. The first one was on XX/XX/XXXX there was an assignment of mortgage filed with XXXX County Clerk 's office. The assignment of mortgage assigned the mortgage from XXXX   XXXX XXXX XXXX XXXX XXXX as nominee for XXXX, XXXX   XXXX. to XXXX XXXX XXXX, XXXX. The second assignment of mortgage was filed with the XXXX County Clerk 's office on XX/XX/XXXX. The assignment of mortgage assigned the mortgage from XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX. The third assignment of mortgage was filed with XXXX County Clerk 's office on XX/XX/XXXX. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX, XXXX started a foreclosure action against me in the amount of {$270000.00} which is a {$16000.00} from the original loan amount. How is that even possible when I paid over {$100000.00} before defaulting. I have tried fixing the problem by submitting a loan modification on XX/XX/XXXX and XX/XX/XXXX getting denied both times. It seems like they do not care whether I pay them back or not, they just want me out of my home which I am working hard to repay. I am a victim of the housing crisis and I feel that there is fraudulent element to what is happening to my mortgage loan.
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

FRAUDULENT NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX 2. XXXX XXXX XXXX XXXX, XXXX XXXX FL. XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX FL XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX FRAUDULENT PHONE NUMBERS : XXXX 2. XXXX 3. XXXX 4.  XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX 13. XXXX
Consumer complaint received 2018-02-23
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. (FL)

FRAUDULENT NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3.  XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX 2. XXXX XXXX XXXX XXXX, XXXX XXXX FL. XXXX 3. XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX FRAUDULENT PHONE NUMBERS : 1.XXXX 2. XXXX XXXX. XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX 13. XXXX
Consumer complaint received 2021-02-28
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: Experian Information Solutions Inc. (TX)

The auto loan was started XX/XX/XXXX the auto was totaled in XXXX XXXX in XX/XX/XXXX payments were made XXXX a month for XXXX months to XXXX during the time of having truck - XXXX XXXX and XXXX {$24000.00} ( waiting on statement from XXXX XXXX on the loan to XXXX and I also did not get refunded for all the warranty side purchase on the loan of XXXX for a service contract service contract XXXX for theft protection. I verified with XXXX that this extra warranty purchase on the truck was refunded to XXXX with my salesman XXXX XXXX at XXXX XXXX XXXX on XX/XX/XXXX. XXXX was paid more during the 6 months I had the truck than the original loan amount on XX/XX/XXXX. There is no prepayment penalty for my loan verify with consumer XXXX is paid in full and Im waiting on reimbursement on my warranty that they took on the loan provided by XXXX and the during of six months considering the loan was only XXXX and theyre still trying to get XXXX from me.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

this account was never late and was paid in full has of XX/XX/XXXX XXXX XXXX CRE Account Number XXXX Account Type loan Terms M XXXX Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance {$12000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$350.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address P O BOX XXXX, XXXX XXXX, XXXX, VA XXXX XXXX XXXX Account Original Creditor - Company Sold-to - Original Amount - Comments -
Consumer complaint received 2021-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my Transunion credit report, XXXX ( XXXX ) reported an unauthorized hard inquiry on XX/XX/2021. 

I did not authorize anyone employed by XXXX to make any inquiries and unlawfully view my credit report. This is a blatant violation of my rights under Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Such an offense is a serious violation of my privacy rights. Please contact XXXX ( XXXX ) and valid this fraudulent occurrence with this company and provide me with appropriate documentations associated with this company bearing my signature authorizing this inquiry. 

Upon resolution, Im requesting the deletion of inquiry on my credit report.
Consumer complaint received 2018-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I consolidated my loans and began a wage garnishment with my employer on XX/XX/XXXX. They are taking 25 % out of my check every week. 

About a month ago, my wife, daughters, son-in-law and father began getting phones. A company said they needed to talk to me about a " loan '' or a " legal matter. '' Then, on XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, saying that my federal student loans are currently in default. ( I thought I only had one loan. ) I'll attach a copy of this letter. That XXXX has hired them to collect, due to my being in default. 

Then, on XX/XX/XXXX, I received a similar letter from XXXX, alleging the exact same thing. The interesting thing is that there is no phone number on this letter. No way to contact them, except to write. 

I'm also going to attach a copy of the XXXX XXXX from XXXX XXXX XXXX  XXXX, showing that I paid {$2800.00} in interest through wage garnishment. I notice that it references " c/o Navient Post Claim Assistance. '' So Navient is now servicing my loan. 

I don't understand how two different companies can contact me, claiming they are hired by XXXX to collect a debt that is NOT in default.
Consumer complaint received 2018-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc. (TX)

On XX/XX/2018 I had XXXX XXXX. In the process of doing so XXXX XXXX XXXX was engaged to do some XXXX test. They were paid as a out of network provider and are trying to claim I have additional obligations as they are trying to collect " balanced billings ''. 
I was explicit in my instruction to the hospital and to the medical personnel that no out of network providers are allowed to perform any testing or surgical procedures on me. 
1- I never authorized XXXX XXXX XXXX to perform any tests. 
2- XXXX XXXX XXXX are not affiliated with the XXXX Hospital- very deceptive. 
2- The doctor was specifically told to not use any out of network providers- 3- XXXX XXXX has paid them their portion that the insurance company would normally pay. 
4- XXXX XXXX XXXX has been non responsive 5 This is a billing issue between XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2018-06-19
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: EQUIFAX, INC. (CA)

I consistently called these companies during the month of XX/XX/XXXX : XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX XXXX XXXX SOL Inquiry Date- XX/XX/XXXX And asked them to provide proof of these unknown inquiries, which they did not. 

Also this company XXXX XXXX XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX Ran my credit two times which left two hard credit inquiries on my credit. I only approved one. It is unethical for a company to be granted permission ONCE and continue inquire on a different day with out my permission. 

After being ignored by these companies I reached out to Equifax XX/XX/XXXX to have the incorrect information removed from my credit report. 
Equifax has failed to respond to my dispute letter sent on XX/XX/XXXX within 30 days. I have enclosed a copy of the return receipt which Equifax received on XX/XX/XXXX at XXXX. ( Tracking Number : XXXX ) It appears that my rights have been violated according to the FCRA.
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

FRAUDULENT NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3.  XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX 2. XXXX XXXX XXXX XXXX, XXXX XXXX FL. XXXX 3. XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX FRAUDULENT PHONE NUMBERS : 1.XXXX 2. XXXX 3. XXXX 4.  XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX 13. XXXX
Consumer complaint received 2018-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was notified in the month of XXXX by credit wise that my credit score dropped by 100 points due to a 60 day Capital One credit card late-payment. I currently have 2 other cards from Capital One and the payments have been consistent. When paying on-line, the convenience of viewing each of the three credit cards due dates on a single account summary page helps in keeping up with and making sure my payments remain consistent and on time, no excuse to be had. I spoke with 2 Capital One reps on XX/XX/18 at XXXX XXXX  and learned the following about their on-line payment notification system. 

First, I didnt get a grace period to pay and the email system failed to notify me when my bill was past due. I have been a loyal customer to Capital One for about 3 yrs and this is the 1st time I have been more than a few days late with a payment. 
The following month due date, for this past due card, was provided when paying the other cards through this on-line account. I did not receive notice of a past due payment when viewing th account summary on-line. 

I wasn't given a 28 day grace period, as acknowledged by Capital One ( XX/XX/18 ) and again not reflected when checking on-line as it should have been stated as a past due payment. 

When making/viewing payments for either of the three cards on-line, each card has information of the amount owed, their due dates, and the minimum payment for each on the same page visible with no excuse for late payment. The card in question did not state that is was a past due payment. The due date for each of the three cards are as follows : 1st-card ( 60-day Late-Payment Card ), 2nd-card dues  on the XXXX each month, and 3rd-card due on the XXXX each month. If I am able to pay the 2nd-card due on the XXXX on time, no past due notification was stated for the 1st-card on the XXXX, and also make a payment for the 3rd-card due by the XXXX, I am still within my 28 day grace period, there is a problem with their system. 

I was late once by one or two days last year and received a card declined notice when making purchasing, within the 60 day late payment, this card was not declined of flagged.
Consumer complaint received 2018-02-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (VA)

I got a call on XX/XX/XXXX about a debt with a collection agency for XXXX XXXX that I had not even received a final bill with after filing a billing dispute in XX/XX/XXXX over the amount when canceling my insurance. I told the guy witn the collection agency I hadn't even gotten a corrected bill which by law they have 60 days to send me and I have to pay The guy at the collection agency said they mailed me a final bill XX/XX/XXXX. And I said but you are calling me XX/XX/XXXX not even 30 days after a final bill was mailed that I never received. XXXX never mailed the bill. 
I said I dispute this. He said well it's accurate and if you don't pay today we will damage your credit and the whole nine yards. I told him I'm calling XXXX. What you are doing is against the law. He said it's not we can do whatever we want.
Consumer complaint received 2020-07-15
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. (CA)

The below three account do not belong to me, i have never done business with them, never received medical service from them and this is stopping from by buying a home and cause even more hardship during this horrible time during this pandemic. This info is on my credit report, I have tried to contact them and get no where. this IS FRAUD. 

Account Name XXXX Opened XX/XX/XXXX Balance {$190.00} Account # XXXX Account Name XXXX XXXX Opened Date XX/XX/XXXX Balance {$470.00} Accoun # XXXX Account Name Opened Date XX/XX/XXXX Balance {$400.00} Account # XXXX
Consumer complaint received 2017-03-28
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

Hi, I purchased XXXX gift cards on eBay from seller : paypal digital gifts, XXXX cards ( {$25.00} and {$100.00} ) on XXXX/XXXX/16 and XXXX card for {$100.00} on XXXX/XXXX/16. I tried to use them 2 months ago and balance on all XXXX cards said XXXX. I contacted paypal, the rep told me it was confirmed I never activated the card and will investigate and get back to me. 2 months after I called and paypal said there 's nothing they can do and transferred me to ebay, ebay said there 's nothing they can do as too much time passed to open a claim, I tried to tell them I bought gift cards that do n't expire and did n't expect the balances to be 0 months later, they gave me the email to the seller instead. I emailed the seller ( both email accounts ) numerous time and did n't get any replies. I heard that paypal digital gifts by accident posted the gift card numbers on line, so everyone was able to use them before the actual buyers. I 've read that many have gotten refunds already and some are just given the runaround. I keep calling and emailing paypal and they just tell me there 's nothing they can do. I do n't want to be out {$220.00}, someone has to be responsible for this. Anything you can do to help would be greatly appreciated as I have exhausted all my options. 

Thank you
Consumer complaint received 2020-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

On Friday, XX/XX/2020 I used my mobile banking app with Wells Fargo to deposit a check for {$1400.00}. This was my normal depositing behavior while working for my old company. Over a month later XX/XX/2020, the exact amount of {$1400.00} was missing from my account leaving me with a negative balance. Upon noticing the error, I called up Wells Fargo and tried to connect with a customer service agent to figure out what is going on. By this time, I am no longer working for the company the original check was issued from and I am now working 5-6 hours away from that area. After a few days, calls and even trips to a local branch I was told that my claim was sent to investigations and that I would be updated personally as soon as possible. Days go by once again before I take the imitative to call once more and connect with the investigation department who informed me that my claim was closed and a letter would be sent out stating that there was a duplicate item from another bank and that I could not be helped. Days pass by with more calls in-between but due to the case being closed no one was able to escalate or work on the matter. The letter I was dated XX/XX/2020, and stated that on XX/XX/2020, I made an electronic deposited of {$1400.00} through mobile remote deposit. That information is completely true and was my usual order of business. The letter continued to say that the same item was deposited a second time through another channel and as a result on XX/XX/2020, they deducted {$1400.00} from my checking account. 
Their letter does not prove or even go into more detail as to where and when the duplicate item was withdrawn from. 
The letter ends with a Reference # : XXXX Confused by the open and closed case with what seems like no investigation nor facts I called the Bank back and used the reference number and was told eventually told the duplicate transaction was from a Federal Reserve Bank, a bank I have never used nor think I can use. This confused me and left me helpless as Wells Fargo would no longer assist me with this error and kept referencing the closed case, a case mind you that was open and shut with what looks like no real information. 
The company was no help even though I tried repeatedly to work and assist them with anything they needed to complete the recovery of my fund to my account that they wrongfully withdrew because they gave someone else money in a bank that I never visited, in a city that I was no longer in from a company I was no longer working for.
Consumer complaint received 2018-06-14
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: EQUIFAX, INC. (PA)

On XX/XX/XXXX I sent a certified letter to Equifax requesting they correct several inaccuracies on my report. Including unauthorized inquiries. On XX/XX/XXXX I spoke with a representative who assured me they have been corrected. They are not corrected. 
In the letter I requested any documents bearing my signature be forwarded to me to show I authorized these inquiries. None have been forwarded to me.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Credit acceptance closed or charged off the account shortly after the issues with the car were reported back in XXXX they only began reporting missed payments and the account as open again after the Covid money started going out in XXXX in an effort to extort their previous customers, have been reporting missed payments month after month to keep people from being able to rebuild their credit and life after they experience a financial hardship. The debt is not collectable as the statue of limitations for the contract have run up. The original terms of the loan were 48 months so they should only be able to report the missing 48 months and from there the account should have been closed on the credit reports and listed as charged off.
Consumer complaint received 2023-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I have a loan with CMC. SLS is the servicing company. I can't communicate with them because they use archaic practices of verifying information that put my identity at risk. SLS has stopped sending paper statements. I want to continue to receive paper statements as their online system is absolutely terrible. They don't even provide an option to opt in for the paper statements. What the company should have done is give people the option to opt out of paper statements, but SLS never does the right thing by the customer.
Consumer complaint received 2020-04-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America absolutely lied. They used XXXX XXXX to allegedly resolve this issue. 
a man by the name of XXXX XXXX reached out to me. 
I have responded to him and left voicemails and he never called me back. 
Bank of America responded with the lies claiming that they could not get in contact with me. 
I will attach emails from me and XXXX XXXX proving that they did get in contact with me and we had communication. 

Bank of America never addressed the fact that they continue to report to early warning that the status of my account is UNPAID, despite them reporting to check system that the status is settled. 

that is illegal and they are breaking the law under the Fair Credit Reporting Act. Bank of America 's response to my complaints included attachments showing that they couldn't process the transaction, which would prove that my account could not be UNPAID. 
I will also include these documents that Bank of America submitted in response to my email to cfpb complaint.
Consumer complaint received 2020-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

My office network was victimized by ransomware. My Citizen banking access credential were potentially compromised in the hack. I needed to change my online banking password with Citizen bank. I tried the website. It did not work due to a bank website errors. I tried this with a local bank agent on the phone with me. We tried all options and none worked. She finally told me she could not help me. She was very nice, professional and did her best to resolve my problem. It was not her. It was the bank website and the setup. I called Citizen Bank online banking phone number. I was on hold for one hour, then The on hold voice told me to call back later. I tried this again and same thing happened. 

To make the long story short, I am not able to change my online banking password to protect my accounts from the hackers. This is strictly due to the bank and nothing to with me. 

I need help before my money disappears. Thank you.
Consumer complaint received 2024-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

For account XXXX for {$2200.00} from XXXX XXXX. XXXX shows account was obtained illegally and still refusing to provide XXXX XXXX XXXX and/or Full Purchase Agreement. 
On my most recent review, it was brought to my attention the name for the owner of the account do not match my legal name. Please stop all collection and delete trademark. Litigation in process. Attached the piece of document showing the name and my blurred Driver Licensed showing name.