davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-09
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. (IN)

I have submitted to all three major credit bureaus copies of all checks that were made on my VA mortgage loan with XXXX since XX/XX/XXXX.  The checks clearly show the payment made, cashed date by XXXX   where they used XXXX XXXX bank. I also submitted to each of three major credit bureaus the payment history sent to me by XXXX since acquiring the loan. Yet ... I still do not show the payments, cashed checks being credited and corrected to my credit report. I only show on some credit reports XX/XX/XXXX, XX/XX/XXXX. Another XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX-XX/XX/XXXX. Then I see another error with Transunion showing a MAJOR incorrect issue with the loan over {$200000.00} which is also incorrect. 
All three credit bureaus, you have received the proper legal paperwork showing all payments, cashed checks and payment history. I am asking before seeking media assistance in resolving this ongoing issue to please correct and credit my personal credit reports as should show reflecting as I submitted to all three credit bureaus via mail. That information was sent, received over a month ago. Yet, still my credit reports are not correct. 
This will be the final time, in which, if this does not finally get addressed I will be contacting media with regards to this simple issue that should had already been resolved. Such an easy issue, yet still after submitting all proper evidence showing all the payments I have made on this loan. All three credit bureaus still do not have the information, payments, my FICO score reinstated as rightfully should reflect on all three reports.
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (CA)

I applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. 

I requested a credit report from XXXX and it shows 2 accounts that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. 

I DO NOT have accounts with XXXX XXXX or Navy Federal Credit Union, and will contact my local Police station tomorrow to file a report of fraud/identity theft. 

XXXX XXXX
Consumer complaint received 2021-02-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: A.R.M. Solutions, Inc. (FL)

I had a subscription to local newspaper, XXXX XXXX, for weekends only. When it expired they sent me an invoice to renew the subscription which I no longer wanted. I tried to call repeatedly, but was unable to speak to anyone. I did not pay, expecting them to discontinue service. I did not want to receive paper any longer. Instead of discontinuing paper delivery they continued to send the paper and have forwarded me to collections company, ARM Solutions. I tried calling the XXXX XXXX once again to no avail. 

On XX/XX/2020, I sent a letter to ARM and XXXX XXXX explaining the " MISUNDERSTANDING ''. Apparently the letter was ignored and they continue to send me letters. 

Is this legal? I feel they are trying to force me into paying for something I did not request or authorize.
Consumer complaint received 2018-06-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Business Bureau (FL)

The MBB INFORMRD THAT THERE AN OPEN ACCOUNT AGAIN MY FOR {$260.00} DOLLARS, FOR TWO MEDICAL PAYMEN THE PROBLEM IT'S THEY DIDE N'T SUMITED THIS PAYMENT TU MEDICARE, THE XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, MY NAME IT XXXX XXXX XXXX THE ACCOUNT # XXXX XXXX, THIS ACCUNTS WAS SINCE XX/XX/XXXX AND XX/XX/XXXX THE COLLECTION # XXXX XXXX XXXX
Consumer complaint received 2018-06-08
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. (TX)

I have faxed, mailed and called Equifax, XXXXXXXX XXXX, and XXXX off and on since XX/XX/XXXX with a Police report, Identity Theft Affidavit and written narratives until today XX/XX/XXXX when I was on the phone for 2 hours to get Equifax to delete, block or remove with my police report. Equifax urged me to contact you here as well as call the FTC at XXXX. Today they disputed again the three charge offs and the address that is on my credit report. I was the victim of Identity Theft make them delete those accounts now.
Consumer complaint received 2020-06-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

I recently submitted a complaint and only work done was 'spoke to client ', Closed. 
Do I get to see response? Did company respond to length of time they're taking to just increase the amounts I'll owe? Did company respond to # of requests that are not 'updating ' but confusion over who has received what? Did company respond to why this process is in its 9th month? COMPLAINT # XXXX
Consumer complaint received 2018-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

On XXXX XXXX, XXXX, I called Sears customer Service to ask them about making payment online which was n't due until XXXX XXXX. I spoke with Representative XXXX, whom informed me that I would n't be able to make payment online because I do n't have the credit handy and she said she order new cards for me and I told that yes I would like to order new cards. So after ordering the new cards, I told her that I would like to make payments on my Sears Regular Credit Card Ending in XXXX for {$150.00} to post on XXXX XXXX, XXXX and she went ahead process the payment with confirmation # XXXX and she said everything look good the payment will posted within 24 hours. After making sears regular credit card ending in XXXX, I told XXXX XXXX that I have another Sears Mastercard ending in XXXX and that I would like to make payment on that card for {$100.00} to postdate on XXXX XXXX which was 7 days and the payment were above minimum amount ; which she did and told me that everything look good and the payment will be posted within 24 hours with confirmation # XXXX. On that I made other bills payment which posted to my bank account smoothly with no problems because I was keeping checking my bank account daily. So on XXXX XXXX, when I was looking at my bank and saw that sears cards payment didnt went through I got panicked and called sears customer service ; and ask them to let me speak with their management, and as soon as I spoke with management they told me that my payment did n't clear from my bank, and she said there was a reason. So asked the management for the reason, so they said that the reason my payment didnt clear my bank because my address change which I have n't I havent made any address change since XXXX when I opened my bank account. I have worked in the XXXX XXXX for longtime to know thats completely not true because I have made payment with them before and had no problem with the payment. so she said that theres nothing they can do and its reported to Credit Bureau as late payment. I went ahead made payment on XXXX XXXX on card ending in XXXX for {$160.00} ; and same date on card ending in XXXX for {$120.00}.
Consumer complaint received 2018-03-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

- I never sing any agreement with XXXX XXXX with a fake loan about {$45000.00} - I was approved for foebarence with XXXX until XX/XX/XXXX - My loan was about {$52000.00} since XX/XX/XXXX and I was paying about {$340.00} a month. - -- - My loan went down about {$40.00}, 000 in XX/XX/XXXX when I was aproved for foebarence with XXXX. 
- I was qualify for Obama Loan forgiveness after of more then 10 years of payment when I was working for XXXXhe City : XXXX XXXX XXXXXXXX XXXX XXXX however XXXX refuse it. I never have a payment plan when I will make the last payment of my loan. 
- I completed my Bankruptcy chapter XXXX - discharged Ref # : XXXX - Court : S BKPT CT XXXX.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and Experian Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : EXPERIAN XXXX XXXX XXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2021-02-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (TX)

XXXX and Amsher Collection agency are both trying to collect on the same debt that's not owed. I contacted XXXX-XXXX  for verification and have not received notification since XXXX 2020.
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX DBA XXXX XXXX has on my credit file a {$280.00} dollar amount showing on my credit file. There is no {$280.00} dollar written off amount. 
there is no money owed on this account or written off. 
I need proof as I have provided to Experian that the account was paid off and there is no amount owed. 

I have mailed from the creditor as proof there is no written off amount or balance owed. 
I have provided a letter from the credit department to show proof of the account
Consumer complaint received 2017-12-09
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My reverse mortgage holder has been asking me for proof of insurance on my condo. I have sent proof of insurance 4 times, but the company is still sending me notices saying that they are going to purchase insurance and charge me. 

The company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX
Consumer complaint received 2018-01-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (OR)

22-year old debt : 1. fixed income prohibits making regular principle and interest payments 2. debt grows exponentially each year - no end in site 3. no consistent tracking records available for accumulated penalties or interest 4. purchased by multiple companies so document tracking is fragmented/non-existent 5. to-date payments on {$18000.00} loan, approx. {$30000.00}, representing a 60 % ROI ( please See attached )
Consumer complaint received 2020-05-05
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 (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2017-12-01
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. (FL)

Please be that advised this statement and request submitted through the CFPB will serve as a formal complaint that the Experian Credit Bureau failed to properly conduct an investigation/dispute wherein the company, did not acknowledge my dispute, respond to my dispute, and failed to notify me of any results and/or updates regarding the disputed accounts within the federally controlled/allotted days of 30-45 days according to the Fair Credit Reporting Acts Guidelines of handling a dispute. My dispute was sent in XXXX XXXX XXXX sent certified mail with USPS Tracking # XXXX As per my civil rights, the items I felt are inaccurate. It has been well over 30 days and I have received no reply. I have included a copy of my original mailing and my mail receipt for your records as well as mine to which I have submitted this dispute. Please take immediate action to rectify these issues. 
I look forward to your timely response and to receiving an updated copy of my credit report as per my initial request where the items in question should be deleted. TIME IS OF THE ESSENCE.
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP (IL)

on X/X/2018 i was notifide my credit score dropped 45 points due to security finance reporting fals information on my report stating i am 7 payments missed and i am not 7 payments missed at all i have all bank statements proving i am currant and they also stated that there was a mistake and i have to just wait it out
Consumer complaint received 2018-03-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (GA)

I sent XXXX XXXX XXXX a USPS Signature Required, Cease and Desist Letter, to stop all forms of communication with me on XX/XX/XXXX order number XXXX. This letter was signed for by XXXX XXXX XXXX. I have now started to receive letters from XXXX XXXX   XXXX again today XX/XX/XXXX
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America collected payments on my loan for years Never notified new servicer with XXXX XXXX or transferred account Bank of America gave bad loan mod and tacked o add'l {$75000.00} on my loan Was not aware of
Consumer complaint received 2017-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brock & Scott, PLLC (SC)

I am filing this complaint as the Representative of the Estate of my mother. She obtained a mortgage loan in XXXX XXXX with XXXX XXXX in the amount of {$160000.00} for her home. 
She fell behind on a few payments and requested a loan modification. According to questionable documents, the loan was modified in XXXX for {$200000.00} which is excessively more than the original note. Also the signature was questionable on the loan modification which lead me to have an expert forensic examiner exam the signatures. He concluded that my mother most likely did not sign the modification although it was notarized. I do not dispute that my mother agreed to some type of modification at some point but I strongly disagree that it was for the amount of {$200.00}, XXXX. Also the modification was signed XX/XX/XXXX. My mother XXXXXX/XX/XXXX I visited the notary. Although she could not remember my mother specifically she was 100 % sure that she did not visit anyone in the hospital to notarize a document. I can prove that my mother was in the XXXX XXXX on XXXX XXXX, XXXX and was not XXXX enough to sign the modification. 

The loan was sold multiple times. After my mother XXXX in XXXX, we made an attempt to refinance the loan with XXXX XXXX XXXX. After they produced the payoff amount, we disputed this amount. After no real answer from XXXX XXXX XXXX my father stopped making payments. XXXX XXXX XXXX attempted to foreclose but the foreclosure was dismissed when I requested an accounting record for the discrepancy of the loan amount. XXXX XXXX XXXX sold this loan to another investor. 

At this present time, the loan is owned by XXXX XXXX  XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX which hired an attorney to foreclose on an outstanding balance of now approximately {$330000.00}. The Loan is serviced by XXXX XXXX XXXX. I have requested an accounting record of the loan modification from the attorney at Brock and Scott in XXXX SC but no record was produced. My father would like to keep this home but feels that the bank has committed fraudulent deeds and sold this note to this new Lender that has no real answers as why the loan increased. 

The foreclosure sale is scheduled for XXXX XXXX, XXXX. I realize that this very last minute but we just were not sure what else could be done. We spoke with XXXX XXXX XXXX and the attorney suggested that we file a formal complaint. 

I will upload the, original loan docs, modification documents as well as the expert forensic examination results.
Consumer complaint received 2023-02-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

At the beginning of the recession in XXXX, I was struggled to make my mortgage payment like everybody in this country. 
I called Wells Fargo and the Representative told me that nothing they can do if my mortgage payments were up to date. 
They could work doing a loan modification if my mortgage was in default. 
That is what I did. 
I stopped paying the mortgage for 3 months then my nightmare started. 
For multiple years I tried to work with Well Fargo to get a loan modification. 
My property was underwater the same as almost all the properties in this country. 
I tried at least 11 times the loan modification with proof and capacity to be approved.

One of the times I had been approved for a loan modification and exactly 3 days later they backed up and disapproved.

Also, I have been approved for a forbearance.

After I made the 3 months payment they want I kind of contribution that I was unable to compromise but no explanation for why I had to make that kind of contribution.

After some investigation on my loan, we discovered some inconstancies that I fight in NJ Courts but at the end of the day, my property had been foreclosure.
Consumer complaint received 2022-02-28
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: BANK OZK (GA)

I purchased my home on XXXX XXXX is my first home, and I have been struggling to understand this bank and my payment status. I am not clear on why my mortgage payments are reporting late on my credit report. I have contacted the Bank OZK mortgage department numerus times, and were told that my payments were current, but when I receive the statements in the mail its always show a balance, a pass due balance. In the beginning of my loan issues, I was talking with XXXX XXXX ( Mortgage Loan Originator ) He was very helpful in the beginning and he made it clear that it was an error on their part, and for me not to worry, they will correct it .I am sad to say no correction is made till this day. I have not spoken to XXXX since, he will not return my calls, so I was transferred to someone by the name of XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXXXXXX ) she was pleasant to talk to but doesn't have a clue of what's going on. It's so frustrating. I am working two jobs and it is hard for me to keep calling this bank to inquire about this matter. My credit report is showing eight 30 day late, which is not true. Something is wrong, and it's not fair to me. I can not refinance because of this false information, and no one is trying to correct it. It is a nightmare to me and I will like to wake up.
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a state of Georgia tax lien on my credit report that has met the statue of limitation. XXXX and XXXX have both removed the lien, however, TransUnion refuses to do so. I made the dispute with TransUnion on XXXX/XXXX/XXXX and they sent me an updated report dated XXXX/XXXX/XXXX stating that the account it is " verified as accurate '' It was added to my report on XXXX/XXXX/XXXX and according the state of Georgia " State tax liens must be filed within seven years of the assessment date of the tax liability. Once the Department files a lien, the Department has seven years from the date the lien was recorded to collect the liability. A tax lien may be renewed for another seven-year period by re-recording the lien prior to the expiration of the previous seven-year period ''. 
I spoke with a representative for the state who informed me that they do not report to the credit bureaus that XXXX XXXX does and my file with XXXX XXXX has been frozen and suppressed.
Consumer complaint received 2021-07-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing charged my mortgage on XX/XX/2021 $ xxxxxx paid by xxxxx on behalf of xxxxxx who is assisting me with mortgage at xxxxx account xxxx. 
The correct amount should have been {$630.00} because I paid {$380.00} on XX/XX/2021 to total {$1000.00} for XXXX mortgage resulting in an overpayment of {$1000.00} that should have been refunded by Friday XX/XX/2021 due to 10 day processing time for refund. SPS instead applied over payment to next month XX/XX/2021.
Consumer complaint received 2017-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Suttell, Hammer & White, P.S (WA)

Multiple FDCPA Violations by Collection Agency and  lawfirm Suttell & Hammer. This agency is attempting to collect charges for a fraudulent account opened with XXXX XXXX XXXX. This is identity theft yet they claim this account is verified by XXXX XXXX. I dont see how that is possible since XXXX XXXX deleted the first of two fraudulent accounts opened in my name and I have submitted all my notarized affifavits and police reports, clearly stating this account is not verified because I am swearing to the fact it is fraudulent. 

Violations : Suttell sent me company letterhead yesterday which was their response to my BBB complaint on them. In the letterhead they admit to mailing my personal information related to debt collection and lawsuit to a different address on my street where I do not live. 

Suttell advertises as being lawyers uet their website clearly states they are debt collectors. 

On the pending lawsuit court paperwork filed with the district court, the official court website shows my case number and XXXX XXXX as the Plaintiff with their lawyer name underneath. Funny thing is the lawyers name is also an employee with Suttell & Hammer Collection Agency and listed on their website.
I have notified Suttell & Hammer as well as XXXX XXXX via XXXX clearly that this is not my debt and supplied all my official reports. I simply wish the fraudulent account to be deleted in order to not have to seek legal assistance for the clear violations.