davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am following up on my request to remove information that is not associated with me. Enclosed is my new FTC report with reference # XXXX for your review. Below are the remaining items that need to be removed from my TransUnion credit report : TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX NJ XXXX
Consumer complaint received 2022-07-20
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. (NC)

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2019-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am the Victim of Identity theft and have filed an Identity theft complaint # XXXX with all 3 credit bureaus against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX about this account that is showing up on my TransUnion credit report collection item in there for which does not belong to the above : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX Reason number one why this collection item is not mine it's because on XX/XX/XXXX the above submitted a identity theft case with the Federal Trade commission 's office copy and closed, Reason number two is the above according to his credit file is XXXX and drawing Social Security which also means that the above is drawing full medical benefits identification information enclosed : XXXX XXXX XXXX of Michigan Health plan # XXXX Member : XXXX XXXX XXXX State assigned ID : XXXX PCP name XXXX XXXX PCP phone : XXXX Effective date XX/XX/XXXX And the above information states that with full coverage Medicaid they would be no reason for me to go to an outside source and generate a bill when I have full coverage insurance since XXXX when you verify this information please remove this collection item from each of your list, Reason number three as of XX/XX/XXXX and buy the request of the above the Federal Trade Commission also issued a identity theft alert with all three credit bureaus this charge from this facility is for XX/XX/XXXX is there for non valid under my identity theft alert request. 
XXXX XXXX
Consumer complaint received 2015-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc. (CA)

In XX/XX/XXXX until XX/XX/XXXX, I was XXXX active duty XXXX.  My wife and I had an existing mortgage with XXXX during this period.  Due to the financial impact my deployment, we discovered that we were no longer able to afford the payments and approached XXXX for a loan modification.  Over the course of the next 2 years, we were strung along by XXXX until they sold the mortgage to Residential Credit Solutions (RCS) who then told us that they were working with us on the loan modification.  In reality, RCS has increased our payments and, as we have come to recently find out, has initiated the foreclosure process.  Please help us!  I served my country in good faith and am now being put out of house and home.
Consumer complaint received 2023-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the fair credit reporting act XXXX # XXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 u.s.c 1681 section 602 A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bleier & Cox APC (CA)

This debt has been disputed -- with the attorney tring to collect the debt. I was soley an authorized user on this credit card. I am not personally liable for this credit card. This debt has not been verified with any original documentation from the original creditor showing that I am more than an authorizd user. Moreover, even if the same had been provided- the statute of limitations has passed for any debt collection or legal action. Thy are trying to deceive people into thinking they owe a debt- and scare them in to making payments. I have attached my dispute letter.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (PA)

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (IN)

I was incarcerated on XX/XX/XXXX until my release XX/XX/XXXX, and this dent is from XXXX or XXXX of XXXX. I couldn't have opened this account while I was in prison in Indiana
Consumer complaint received 2016-04-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. ()

Dear Sir/Madam : I 've just read an article about problems with the lender Navient. I 've been paying a student loan for many years now and I 'm based in XXXX and working for the XXXX XXXX. I usually call Navient from abroad to make payments and at least twice a year for the past two years my loan payments have been misposted ( Instead of making a payment against the federal loan and a payment against the private loan, the payment is being posted to only the federal loan ). Since I 'm in XXXX I do n't get phone calls about late payments, until my aunt contacts me here saying that Navient has been calling her about late bills. And they have called her at least 10 times in one day!! Is n't that harassment? At any rate, I 'm usually on time with my payments, it 's just frustrating and time consuming to call and request that adjustments be made to my account to apply payments as per my original request. I really thought my case was isolated, but now based on the article I read, I understand that it is a bigger problem. Please let me know any further information on how this issue is being resolved with Navient. 
Best wishes, XXXX XXXX
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

Equifax has inserted XXXX XXXX XXXX on my credit file. In accordance to XXXX XXXX. XXXX, Equifax is unable to 100 percent verify XXXX on my credit file. Under XXXX XXXX XXXX, Equifax is obligated under federal law to permanently delete XXXX from my credit file.
Consumer complaint received 2015-05-15
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc. (VA)

This issue has been going on too long and has totally destroyed my credit and financial status. I have contacted the FTC who forwarded my letter to the CFPB and nothing is being done to correct my credit reports. I ca n't get any credit or loans due to the fraudulent reporting of the Residential Credit Solutions and improper investigation by the credit reporting agencies. Short of filing a lawsuit my next step is to contact my state senator. With all the damage done to me the foreclosure in 2012 should be be completely expunged from my records. I 'm not waiting any longer to take further action on this matter. I just received another notice from my mortgage broker that he ca n't proceed until my credit reports have been corrected or updated. Records are still showing collection account. I want immediate action to correct this matter and retribution from RCS for fraudulent reporting.
Consumer complaint received 2021-01-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NIC, Inc. (MO)

This company is in violation of the FDCPA, sections 808 ( 1 ) and ( 2 ). There is no judgement that exists, which warrants the collection of any interest. Nemo 's Collection 's continues to update my credit report on a monthly basis by {$1.00} to {$2.00} dollars and recently did so on XX/XX/XXXX. They have not validated the debt nor provided a copy of the original contract which proves they are legally able to collect interest. In addition, attempts have been made via certified mail, to pay the original balance of the debt, of which the owner of the company refused to accept the certified mail. The owner stated that he has a right to refuse certified mail and does so because attorneys are constantly sending him certified letters. A second attempt was made via priority mail, of which I have received no response, and the USPS, shows it was delivered on XX/XX/XXXX, the same date the company illegally made a false update. I have disputed the inaccuracies with the credit bureau as well.
Consumer complaint received 2017-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Company is reporting on all     XXXX   credit bureaus and sending me information that I owe this debt including threatening phonecalls. I have sent letters for them to verify this debt bearing my signature and they have not. I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signiture for each article of mail
Consumer complaint received 2015-03-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CO)

I had an FHA mortgage from XXXX XXXX XXXX. I was divorced and my husband gave me the house in the divorce settlement. I tried to get a modification from XXXX XXXX XXXX, but it was denied. Then, my mortgage was somehow sold to Rushmore Loan Management Services. It 's no longer an FHA mortgage, and they WILL NOT work with me to complete a short sale. They are demanding that I find a buyer willing to pay MORE THAN the original outstanding principal balance, and MORE than the current appraisal value. This will go to foreclosure auction on XXXX/XXXX/2015, and I will be forced to declare bankruptcy if they come after me for the deficiency, which I can not afford. How was XXXX XXXX XXXX allowed to sell my FHA loan and convert it to a conventional loan, and why was a non-HAFA participant allowed to acquire my mortgage? Rushmore has been totally uncooperative and expects this house ( with non-insurable aluminum wiring and in need of a new roof ) to sell for MORE than it 's worth and far more than I ever owed.
Consumer complaint received 2017-08-14
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (IL)

On XXXX/XXXX/2017 CIT Bank file foreclosure against the XXXX whom is still living as to date. CIT Bank claiming the XXXXyear-old homeowner failed to pay his property taxes without giving him any resolution to how he can pay if any back taxes or insurance. Financial Freedom Senior Funding provided the reverse mortgage and has charge the homeowner with insurance that exceeds the amount he able to pay. Therefore, CIT file the foreclosure on behalf of the property taxes and insurance. This is unfair to the homeowner as well as his beneficial. To lose his home for reason stated. We are aware that Financial Freedom has defraud many senior homeowners with wrongful foreclosure in order to file insurance claims just to capitalize these innocents victims.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

Dear Sir/Madam, I am writing to file a formal complaint against Wells Fargo regarding an unresolved issue with an overpayment and a missing cashier 's check. 

I discovered an overpayment of {$6400.00} in my business account with Wells Fargo, under the business name " XXXX XXXX. '' Upon notifying Wells Fargo of this discrepancy, I was informed that a cashier 's check would be issued to reimburse the overpaid amount. I was assured by Wells Fargo representatives that the check would be reissued within 15 business days. 

After the specified timeframe passed, I followed up with Wells Fargo to inquire about the status of the reissued cashier 's check. To my dismay, I was met with evasive responses and a lack of clarity regarding the resolution of the issue. Despite numerous attempts to seek clarification and a definitive timeline for the reissuance of the cashier 's check, I have been met with inconsistent information and a failure to provide a satisfactory resolution. 

I have diligently maintained communication with Wells Fargo regarding this matter and have documented all correspondence, including emails confirming the intent to reissue the cashier 's check. However, despite assurances from Wells Fargo representatives, no tangible progress has been made in resolving the issue. 

I am deeply concerned that Wells Fargo is withholding my funds and failing to fulfill its obligation to rectify the overpayment. The prolonged delay and lack of transparency in addressing this matter have caused undue financial hardship and frustration. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and facilitate a prompt resolution. I request that Wells Fargo be held accountable for its actions and compelled to expedite the reissuance of the cashier 's check without further delay. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-13
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: Resurgent Capital Services L.P. (TX)

LVNV Funding has continued to report inaccurate information on my credit report violated my civil rights under FCRA Section 611 ( c ). Both debits XXXX. {$810.00} XXXX. {$1300.00} show CHARGED OFF + PAST DUE + OPEN ACCOUNT. LVNV Funding has be reporting this inaccurate information for 3 years. I have trying on this platform, and via written letters to have these inaccuracy 's remove. LVNV Funding is conducting illegal activity here as well as violating my civil rights.
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

Experian on credit report # XXXX dated XX/XX/19 & Credit report # XXXX XX/XX/19 shows XXXX XXXX XXXX on both reports and paying on time and not late. Report # XXXX dated XX/XX/19 does not show XXXX XXXX XXXX on the report as it should. XXXX XXXX XXXX should show closed and paid off. XXXX XXXX XXXX has updated to all Credit Bureaus as a {$0.00} balance Experian has deleted an account that was paid off and should not have deleted the account in good standing as for other credit accounts the same thing does not appear and have filed on accounts open and Experian deletes them. I have also reported this to the creditors. Experian takes months to update accounts creditors are reporting monthly
Consumer complaint received 2016-12-07
Product: Credit card — 
Issue: Cash advance fee — 
Company: FIRST NATIONAL BANK OF OMAHA (GA)

I used my First Bankcard credit card to purchase {$50.00} commissary voucher to a prison inmate. My credit card has charged my account {$15.00} as a cash advance transaction. I requested to the customer representative XXXX, then to the supervisor XXXX that the {$15.00} fee be waived because I did not consider the transaction to be a " cash advance ''. My request for the fee " one-time '' to be waived was denied.
Consumer complaint received 2017-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (MA)

I contacted the company, ExxonMobile, to report the fraud with their application number but the operator,  XXXX  ( operator number  XXXX  ), told me that she was not authorized to do anything unless I provided more identifying information to her or to a website or another phone number that she designated .. which I obviously could not do.
Consumer complaint received 2016-02-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

I modified my loan and any thing I owed was put on the back of my loan my sevicer states I owe XXXX in fees. I have never missed one payment since I modified my loan XXXX/XXXX/XXXX I 've showed proof on my original modification agreement with XXXX ( XXXX ) then it states my loan is up in XXXX/XXXX/XXXX which my modification clearly shows my loan is up XXXX/XXXX/XXXX. My loan servicer literally gave me a new ending date for my loan over 40 years more. When I clearly took out a 30year fixed rate. An after I modified my loan and was approved my ending date is now XXXX/XXXX/XXXX. Plus I 'm im owed for the forced insurance that was put on my house when I already had insurance it took three weeks to get this straight and I was told/writting that it is being credited to my account yet I 'm being told I owe late fees which if I ever pay my loan pass the XXXX of the month I always add first it was XXXX $ then I was told it was XXXX $ In late fee charge ( I always put the fee in as I am obligated to ). I believe this servicer ( s ) are doing illegal practices to rob unsuspecting consumers. I 've ask in writting at least 2 time to show me in writting how I owe these funds because my bank records clearly show I have never missed a payment since I modified my loan and ever thing I did owe was put on the back end of my loan. So I 've come to the conclusion that this is not my loan!
Consumer complaint received 2022-07-20
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. (VA)

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX Balance : {$0.00} ; DOE XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX XXXX XX/XX/XXXX )
Consumer complaint received 2017-08-14
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. (GA)

I have tried on different ocassions to dispute inaccurate information on my Equifax report regarding the creditor XXXX XXXX. Each time i dispute it the inaccuracies continue and even become more inaccurate drastically decreasing my credit score and hurting my report. I woulld just like this account removed completely from my report since it cant seem to be reported accurately and is causing major damage to my credit report.
Consumer complaint received 2017-03-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: National Collection Systems, Inc. (AZ)

XXXX of National Credit Management told my father about my debt and accepted payment without my consent. I am not and was not a minor at the time. 

XXXX XXXX XXXX National Credit Management XXXX XXXX, MO XXXX
Consumer complaint received 2019-02-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (OR)

I'm a co-signer on my daughter 's loan she had with XXXX XXXX. She applied for a {$20000.00} loan, but was approved for {$17000.00} at 7.5 % interest - dated XX/XX/XXXX. Letters I receive still have it that she applied for a {$20000.00} loan at 9.625 %. 
The full amount was never used. There was going to be 4 disbursements. 
1 ) XX/XX/XXXX - {$7900.00} - Disbursed 2 ) XX/XX/XXXX - {$3300.00} - Disbursed ( On XX/XX/XXXX I informed XXXX a representative of XXXX XXXX that the 2nd disbursement of {$3300.00} was not needed. I informed financial aid at XXXX ( XXXX ) XXXX to send back the disbursement. I also was given the website XXXX/disbursement to check on the status. 
3 ) XX/XX/XXXX - {$3300.00} - Cancelled 4 ) XX/XX/XXXX - {$3300.00} - Cancelled The only amount that was disbursed was {$7900.00}. XXXX XXXX informs us that we owe for the first and second amounts - $ {$11000.00} Payments aren't being credited Harassing phone calls, letters and contacting family, friends who have nothing to do w/loan.