davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Crown Asset Management, LLC, Duluth, GA Branch (TX)

XX/XX/XXXX To whom it may concern : I would like to file a complaint against collection agencies, XXXX XXXX XXXX XXXX XXXX as well as, Crown Asset Management , LLC. 

Neither of these two collection agencies had contacted me first, to verify the debt that they have placed onto my credit files, slandering my credit. 

XXXX XXXX XXXX XXXX XXXX claims that they received a debt to collect on from Crown Asset Management , LLC, Crown Asset Management was supposed to have acquired this debt from XXXX XXXX XXXX XXXX XXXX. 

These collectors are placing false fraudulent status information onto my credit files, making it seem as though I had some debt that they are collecting on from the year XXXX, and that information is not true. 

As stated, neither of these collection agencies had previously contacted me to verify the debt that they are trying to charge me for. 

I dont owe what Im being charged, and I want this false derogatory information removed from my credit files, as well as from the collection agencies files. 
And I would like hard copy proof on their letterheads that, that has been done. 

On XX/XX/XXXX, I requested that both XXXX XXXX XXXX XXXX XXXX, as well as Crown Asset Management , LLC, cease and desist from ever contacting me again about these false charges. 

I have health issues, and have not been doing my best, and I feel that I am being tormented, and harassed, especially by XXXX XXXX XXXX XXXX XXXX, I have asked that they cease and desist from contacting me. 
I asked that they remove the false information from my credit files, and I wanted hard copy proof when that had been done. 

In the mail today, Tuesday, XX/XX/XXXX, I received the attached cover page, along with a pile of doctored up statements from XXXX XXXX XXXX XXXX XXXX, with them lying, and claiming that I had requested that they send me verification of the false debt, that they originally didnt notify me about, prior to slandering my credit files. 

I never asked that they send me any such verification, I disputed the debt, and again, I am requesting that both, Crown Asset Management, and XXXX XXXX XXXX XXXX XXXX remove the false information from my credit files, and I want them to stop writing, and calling me as well. 

As previously requested, I want them to cease and desist from ever contacting me again. 
Crown Asset Management LLC, and XXXX XXXX XXXX XXXX, any communication, written or otherwise, they can contact the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau, can contact me, no exceptions. 
I want the Consumer Financial Protection Bureau fully involved in my complaint.
Consumer complaint received 2022-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UBS BANK USA (TN)

I have been paying a closed account down with UBS bank. Even though I have made a payment every month, UBS has retained a law firm that is continually harassing me and is not abiding by the cardholder agreement. I would like UBS to CEASE and DESIST from this harassing activity immediately. And be appropriately sanctioned by the CFPB.
Consumer complaint received 2021-09-14
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: EQUIFAX, INC. (CT)

My credit cards is not reporting to my credit report 2 XXXX cards XXXX credit card XXXX credit card XXXX  credit card Also I am an authorized user on a XXXX credit card Also I am authorized user of a XXXX 's credit card Also authorized user on a XXXX XXXXXXXX card
Consumer complaint received 2021-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing the files, it comes to the attention that there is an Error information appear regarding about a XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX with balance of {$850.00} incurred, I have no acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission. According to Fair Credit reporting act, section 609 ( a ) ( 1 ) your company is required by federal law to verify through the physical verification of the debt balance of the original signed certified consumer contract of any all accounts you request to be posted and or reported on credit report. Within consumer rights to demand a copy of the verifiable, validated proof of an original consumer contract with wet-ink signature on it, copies of copies are not validation and by law are not considered as proof. Under FCRA, unverified, invalid accounts must be Remove upon receipts of this notice within 15 business days.
Consumer complaint received 2022-07-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (PA)

I applied for Refinancing with my original mortgage provider Rocket Mortgage and was approved. They had an appraisal done to which no discussion of cost for an appraisal. In the mean time I had another Loan company give me an estimate to which they came in with a better rate and cash out offer than Rocket. Trying to finalize the loan with new company and needed Rocket to transfer appraisal to the Loan company Rocket said before transfer I needed to pay XXXX for appraisal. I was shocked that first of all it would cost that much and second no mention of appraisal price was discussed. I think this is a deceptive practice and its like punishment for not going with their offer. Just think this is dishonest. Thanks for Listening XXXX XXXX
Consumer complaint received 2021-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

The misappropriation of funds started on XX/XX/XXXX. I made a house payment that was applied to principal funds, and had to have it reversed. On XX/XX/XXXX, I made another house payment with an additional XXXX dollars to the principal to stay a couple of months ahead, another phone call to reverse the all principal application and get it towards my house payment. On XX/XX/XXXX, another phone call to reverse the principal payment and have the XXXX dollars which is the amount of my house payment ( and should have been a clue ) applied to the house payment. On XX/XX/XXXX another phone call to have the XXXX dollars ( again the amount of my house payment ) applied to the monthly payment and not the principal. On XX/XX/XXXX another phone call to reverse the additional payment of XXXX applied to the principal coded to my house payment and have the additional XXXX dollars coded to principal. At this point I am 6 months ahead, but yet they coded the XXXX dollars as a partial payment and just had it sitting there, not applied to anything. On XX/XX/XXXX, another phone call. I made a house payment with an additional XXXX dollars as I have been doing for years. They put the XXXX dollars to the escrow. I am thousands of dollars ahead in escrow. I once again called them to correctly apply the XXXX dollars extra to principal, their solution is to rescind my house payment. The money is not in my bank account, not applied to my house payment, and not towards the principal. I have spoken to managers, de-escalation agents etc. There XXXX page is full of complaints regarding the same issues.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Equifax, XXXX and XXXX are reporting accounts that were included in a bankruptcy, as " derogatory '', this is a direct violation of FCRA. I sent a dispute letter in XXXX and have not received any response m not even that an investigation has begun. Ive attached copies of all accounts reporting derogatory, including the letter sent. 
Here are the accounts that are inaccurate : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-09-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

XXXX and Experian are violating my rights by reporting a debt that I do not owe!!!! They are violating 15 usc 1692g and 15 U.S. Code 1692j - Furnishing certain deceptive forms a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter. According to this law XXXX XXXX XXXX is clearly creating a false impression that I owe a debt to them thats definitely not owed!!!! They are pretending to be collecting a debt on behalf of XXXX XXXX XXXX  which is not true! XXXX XXXX XXXX  has no interest in this debt, therefore by XXXX and Experian reporting this debt they are in violation of the law according to the FCRA and FDCPA!!!! It is clear that Experian and XXXX are in violation especially because XXXX has already removed the erroneous information from my file. They have done so because they know by reporting this unvalidated debt they would be violating the law which is punishable pursuant 15 usc 1692k in the amount of XXXX dollars per violation per day that they refuse to abide by the law!!!! Experian and XXXX are also violating 15 usc 1681e ( b ) by not accurately reporting the information to my consumer file!!!! Its their job as a reporting agency to accurately validate and verify all information before reporting the data to my consumer file!!! They have both failed to do so!!!!! Experian, XXXX XXXX XXXX, and XXXX are violating 15 usc 1692d ( 4 ). I have provided a letter from XXXX XXXX XXXX  saying that they have no ownership of this debt and have no financial interest in this debt! I have also provided my identification so that Experian and XXXX know that I submitted this complaint. I do not owe XXXX XXXX XXXX anything and this letter proves it!!! They are committing the crime according to the FTC called debt parking!!!! Ive also provided an example of what happened to another company that was in violation of the laws mentioned above!
Consumer complaint received 2021-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear Sir or Madam : I am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.
Consumer complaint received 2023-06-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

ok I have been with this principle only HELOC line of credit for many years its been paid back several times for XXXX not to my knowledge this was a principle only loan. Well 3 years ago this loan had matured and I was told they wanted the whole XXXX dollars in which I didn't have .for three years I have been sending countless loan modifications to them in which they tell me '' my paperwork is complete and we will get back to you after its been reviewed. " this has been going on and on in which I get a letter two weeks later and they tell me its incomplete again.I have probably sent sent 10 loan modifications in 3 years to them and the same results every time they run me arouind in circles to get this paperwork to them, and when I call them on the phone they tell me yes your paper work is complete just wait again same results. How come nothing is negative on my credit report yet this company will not accept payments from me .And on top of it all I have now recieved XXXX dollars in interest added to my balance? .I have read several negative reviews on the XXXX from them running other people around the same exact way then denying them thier modifcations as well. I am XXXX to these lenders I cant refinance my home to pay them back so I sit with a high interest rate and constantly am worried about wheather thier going to forclose on my home or not
Consumer complaint received 2021-09-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

I HAVE LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT DO NOT BELONG TO ME, UNAUTHORIZED INQUIRIES AND AN ACOUNT THAT SAYS CHARGE OFF THAT IS INACCURATE, SEE LETTER OF EXPLANATION.
Consumer complaint received 2021-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I wrote to the credit bureaus requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the fraudulent information.
Consumer complaint received 2020-06-30
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. (TX)

In XX/XX/2020, I noticed items on my report that did not belong to me. I sent in a dispute to XXXX, Transunion, and XXXX  on XX/XX/2020. 

I did not get a reply so I sent additional information for the investigation on XX/XX/2020. 

Today is XX/XX/2020 they have not provided any updated information on the investigation such as verification or blocked accounts. 

I have provided all information related to how these accounts have been placed on my credit without being known or verifiable.
Consumer complaint received 2021-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc. (AR)

Hi, I sent back 4 different items on the XXXX of XXXX, and on the XXXX of XXXX, the items arrived at XXXX facility. Then on the XXXX of XXXX, only 1 item was refunded. I have done many returns with XXXX, so there was no issue on my end. Returns are simple, but XXXX has made them very difficult for me because I return many items I am not satisfied with. That is their return policy. I contacted many different chat agents, including supervisors who refused to do anything to help me when I noticed the issue. They kept telling me to wait 7 days after they received the items. Then after that, they started telling me to wait 14 days after they received the items. At this point, I gave up and decided to dispute the issue with my bank. My bank known as XXXX is making me jump through hoops to try to get this refunded after I explained everything to them and gave them the information requested by email, and even added pictures of the items boxed together before I returned them. While I was busy with 3 different jobs, I had planned to send XXXX that info, and in about 6 days, I had not sent the info, and XXXX  seemed upset that I had not replied back yet. I explained my work situation, and now XXXX has not been handling the situation quickly after I got back to them with the info they needed. Instead, they have taken around 6 or 7 days to send one reply by email. This reply stated " so you are waiting on the refund of XXXX, correct ''? I then replied back with " yes ''. And they have not responded in over a week. Soon after, I noticed a letter in the mail requesting me to fill out some paper asking for most of the same info I already gave them through email. This time, they are asking me to go through the trouble of mailing back out the paper they sent me. I had a dispute with another card company of mine, and even XXXX awhile back, and neither of them treated me this unfairly as XXXXy has. I have given XXXX  way more than I ever had to give my other card companies when it comes to info. At this point, it feels like XXXX does not want to issue the refund and are stalling intentionally, or simply do not like me. This is on page to be a month long issue and counting
Consumer complaint received 2021-09-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (TN)

I have been paying 11percent interest on {$18000.00} loan for the past 21yrs, I have paid roughly {$46000.00}. on this loan, they keep changing loan companies every time I start to pay extra on my principal payments this is XXXX XXXX c/o PHH Mortgage service and others
Consumer complaint received 2021-09-14
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: Experian Information Solutions Inc. (MD)

I have been trying over 5 years before I join the XXXX XXXX, am XXXX XXXX personal. I have ask the 3 credit bureaus to fix this issues and they have not been no help at all. On XX/XX/2018 I sent a request to the following creditors as while to ask hem to take off all these negative accounts on my credit reports. There are two main accounts that needs to be removed from my credit report. 

1. University XXXX XXXX XXXXXXXX- {$630.00} account no : XXXX 2. XXXX XXXX / XXXX  - {$320.00} account no : XXXX I just sent out another set of Validations letters to them, asking for an response
Consumer complaint received 2021-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

FRAUDULENT MORTGAGE LOAN SERVICING ( XXXX ) BY XXXX XXXX XXXX, SPECIALIZED LOAN SERVICING ( SLS ) AND XXXX XXXX XXXX XXXX XXXX ( AS TRUSTEE FOR INVESTOR ) WITH RESPECT TO XXXX XXXX XXXX XXXX AT XXXX XXXX XXXX, XXXX XXXX, NY XXXX. XXXX XXXX LOAN # : XXXX, SLS LOAN # : XXXX XXXX XXXX XXXX, Specialized Loan Servicing ( SLS ) and XXXX XXXX XXXX XXXX XXXX ( AS TRUSTEE FOR INVESTOR ) have violated the mortgage origination documents by introducing a new unsolicited balloon loan of {$380000.00} into the home relief option expected to bring relief to the borrower ; but now pain, because they have threatened to foreclose my property unless I agree to sign the additional balloon loan agreement on or before XX/XX/XXXX ; as a solution to resolve the unpaid arrears of {$100000.00}. They refused the extension of the maturity date of the loan from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX as the Retention program provides ; but instead allow only 1 month extension from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. 
Specifically they are violating Clause 3F of the Modification Agreement signed on XX/XX/XXXX ( see page 8 of attachment ) which categorically states that only the deferred non-interest bearing amount of {$150000.00} will be due for payment at maturity, by year XXXX ; or when the mortgage principal of {$510000.00} is paid off ( see page 109 of the attachment ). SLS claim the balloon amount is at the instance of the Investors guidelines- XXXX XXXX XXXX XXXX XXXX ; which violates all the agreements concerning the mortgage loan and therefore violates RESPA and Home Retention Program. 
Specifically they have violated Clause 4 of the Modification Agreement signed on XX/XX/XXXX ( see page 8 of attachment ) -RESPA because they have refused to account for the application of the about {$560000.00} I have paid towards principal and interest payments from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2021-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (WV)

I don't know where that account come from because I have never had any account with XXXX ( the original creditor ) at all. This is a mistake, please start an investigation to delete that collection account from my credit report. I don't even know what kind of service are they talking or for how long that account was opened. I never receive any letter letting me know about any details from Amsher Collection Services Inc. ( the collection agency ). I found out about this collection account because I have XXXX XXXX to track my credit.
Consumer complaint received 2020-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My identity has been compromised. I have no idea who could of done this to me. As I pulled my report I saw outrageous amount of account under my name that are not mine. Please delete these items from my report. XXXX XXXX {$450.00} XXXX   XXXX {$160000.00}
Consumer complaint received 2022-07-14
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. (PA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$67.00}