davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (MD)

Hello, I believe I am suffering injustice from Amazon/Synchrony as this company is adversely affecting my credit score and will continue for XXXX years unless my credit card is re=opened or removed from my credit file. 

Prior to Amazon/Synchrony Bank closing my credit card ; my stellar credit score was XXXX. 

My credit score has adversely dropped and I desire to recover my score to XXXX or above as I am in the process of purchasing my dream home and desire an XXXX credit score and will not meet this expectation as long as this credit card reports closed on my credit file. 

I have done all I can do, to have this issue rectified to no avail. 

I was approved for an Amazon Card. 

I have never been late nor did I owe a balance at the time my credit card was unjustly closed by Amazon/Synchrony Bank. 

Synchrony Bank unjustly checked my credit file and closed my account without my consent due to my credit score had dropped in XXXX 2015. 

I feel violated by Synchrony Bank making an judgement call on my credit which was right after the XXXX and Holiday season which many people all over the country max their credit cards out during the holidays and pay them off in the new year. 

It is my earnest belief, my privacy has been violated and furthermore ; as long as I have made on time payments to Amazon/Synchrony Bank it is none of their business to monitor the balances I owe to other credit agencies as well as my credit score. 

I need this rectified immediately. 

Thank You, XXXX XXXX
Consumer complaint received 2015-05-22
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Real Time Group, Inc. (FL)

we foreclosed a home with XXXX XXXX XXXX in XXXX we were offered a " rem judgement of foreclosure '' and a " deed in lieu '' to settle and our lawyer accepted the deal. we were told by BAC the accounts ( XXXX & XXXX mortgages ) were closed and wrote off. we have been contacted by a company called Real Time Resolutions and they have claimed we now owe them a balance for the mortgage amounts that BAC have told us were settled and closed. Real Time Resolutions has now reported on our credit report we are past due, and owe them thousands of dollars. we have XXXX XXXX XXXX telling us the accounts are not valid for collections, we have had lawyers tell us not to worry about these claims, but I would like to have Real Time remove the claims from our credit reports. I am now dealing with a new credit repair person that has me filing this complaint against Real Time and their tactics of damaging my credit history.
Consumer complaint received 2015-05-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (AZ)

There is a withdrawn Federal Tax Lien Still Showing on my credit report that was withdrawn on XXXX XXXX 2015. On multiple occasions I have disputed this with Equifax, Providing Equifax via fax a copy of the Irs withdrawl form. Equifax continues to improperly report the lien and refuses to recognize the withdrawl.
Consumer complaint received 2015-05-22
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: WELLS FARGO & COMPANY (NY)

This debt is not a federally backed/guaranteed loan. It is be reported to the credit bureaus beyond XXXX years. Also it is beyond NY statute of limitations XXXX XXXX years XXXX to collect a debt. This debt has been written off/ closed by the company. But still being reported to the credit bureaus. I have never made a payment on a this debt in its history. 

XXXX A Summary of Your Rights Under the Fair Credit Reporting Act ) Consumer reporting agencies may not report outdated negative information. In mostcases, a consumer reporting agency may not report negative information that is more XXXX years old, or bankruptcies that are more than XXXX years old.
Consumer complaint received 2015-05-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Scott Lowery Law Office, P.C. (MD)

I have been paying on a loan to this collection group, XXXX, for over 5 years through a credit counseling agency and the collection group refuses to send me or the counseling agency balance due information or acknowledgment of receipt of payments. When I call, they say they ca n't talk to me and when the counseling agency calls, they can not get documentation or a return call. Sometimes the counseling agency is put on hold indefinitely.
Consumer complaint received 2015-05-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

Mortgage ComplaintXXXX2015XXXX XXXX, NY XXXXEnclosed are the pictures of the XXXX when or where it was XXXX when it was raining. But I used part of the rental money to fix the problem. Now, the property is in good condition, the tenant are very happy to pay the rent and I am extremely happy to start paying the mortgage on a timely basis. 
Please note that I have been retired from my job for the last past 5 years. I do not file the Federal Income tax due to the fact that I do not pay any Tax. Obviously, I received Social Security Benefits of {$1200.00} and an additional retirement fund of $ XXXXXXXXThere is also an additional non co-borrower contribution of $ XXXX/month. 
From Social Security Benefit and the retirement the total amount is {$XXXX} and the non-co-borrower contribution is {$XXXX}. The total monthly income is $ XXXXXXXXCombine the rental income with what I received every month is : {$XXXX} + {$XXXX} ___________The total monthly income is : $ XXXXXXXXA loan modification would be beneficial to both of us. It would help me to get back on track and fulfill my obligation to Wells Fargo/The Lender as well as my other obligations. My home means a great deal to me and it is my desire to work with Wells Fargo to keep it out of foreclosure. Please advise me of all options available to avoid or stop foreclosure. I am anxious to reach an agreement and appreciate your assistance in this matter. 
I have sent the Award letter that I received from the Social Security Benefit, the XXXX and XXXX and the non-borrower information. 
If you have any other document you want to request, please feel free to call me at your earlier convenience. 

Cordially, XXXX XXXX
Consumer complaint received 2015-05-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Home Mortgage document was called the : Loan Program Pick A Payment Loan ADJ Rate Mortgage for the property located at XXXX XXXX XXXX XXXX XXXX. My husband and I do not recognize the signature of the name that is supposed to be my husbands. We also noticed that the address that is on this loan document is not the address for this Pick A Payment Loan Disclosure which means this document is a total fraud. I am requesting Wells Fargo Home Mortgage to explain how this happened in detail and I am requesting Wells Fargo Home Mortgage to audit this loan and explain the steps that will be taken in a typed response with this fraudulent fabricated Pick A Pay Loan Disclosure Document used for the purpose of Wells Fargo Home Mortgage/ Investors to defraud and target XXXX and XXXX people and cause XXXX and XXXX damages. Please review. I am also requesting the CFPB to investigate this case because of Wells Fargo Home Mortgage fraud and your advice. 

Thank You, XXXX XXXX
Consumer complaint received 2015-05-21
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (MD)

My brother XXXX XXXX called me stating a male debt collector called trying to verify my information over the phone. My brother told him he had the wrong number, that they were trying to reach me, his sister XXXX XXXX, not his wife, who is also named XXXX XXXX. The debt collector then proceeded to report my specific account information to my brother XXXX credit card name, amount in collections, etc. ) and gave him the return number and extension to contact.
Consumer complaint received 2015-05-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I filed a dispute with the way some accounts were reporting on my credit report. The information reporting was wrong and inaccurate. I provided the facts that the accounts were reporting inaccurately and requested they investigate. I get a credit report stating that the accounts have been verified that they belong to me. I never claimed they did n't belong to me. 
I simply stated the information reporting was inaccurate. I do n't believe they did a proper investigation.
Consumer complaint received 2015-05-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

I contacted both XXXX and Midland Funding concerning an account that is listed on my credit report by Midland Funding. XXXX was unable to provide an explanation of the exuberant charges that Midland Funding was attempting to collect. Midland has not provided an explanation of the charges either. I have contacted them by fax, phone and mail. This account undoubtly includes cramming charges not authorized by me and that I do not owe. XXXX 's practice of cramming is well outlined in a complaint filed by the FTC where XXXX has agreed to reimburse negatively affected customers for these erroneous charges. 

Not only has Midland Funding continued to try to collect these unowed amounts but they also have reported this to the credit bureaus and verified the reporting of the same when I attempted to dispute the charges with the credit bureau. 

To date although requested Midland Funding has provided no valid proof that I owe this debt and can not provide the same because I do not owe this debt due to the cramming charges.
Consumer complaint received 2015-05-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pollack & Rosen, P.A. (FL)

I had lasik at the XXXX institute. it is XXXX per eye UNLESS you opt for the lifetime assurance, I did that, the bill then was XXXX. I have no paper work and no one will provide me any either. REGARDLESS, they breached the contract a year later when they neglected to see me. I tried explaining this to XXXX XXXX that owned the debt but they sued, used hayt and hayt and their attorney that told me it did not matter that the debt wasnt valid, the judge would believe them, and i could claim head of household and they wouldnt collect due due that status but to be clear the judge would side in their favor anyway. I was scared and I signed the paper. Now XXXX attorneys are trying to garnish me for this debt I dont owe. XXXX ward at the lasik institute said I dont owe the debt and that I couldnt use the lifetime, she stated she would call XXXX. I also did a BBB complaint and in that they replied the debt had been sold, they know nothing about any payments and if i wanted I could come back anytime. this is totally contradicting the information that took me numerous calls and a solid week to collect -- I do not want to do this it has been since 2005 when I had this done. I would never trust them to do anything to my eyes. I believe the statement was false to make it seem on the BBB that they were accommodating. The main point is they breached the contract and I just want to be held accountable to the once and done pricing of XXXX a eye which i believe is fair to all parties and was paid the first year. After they failed to honor the contract, I defaulted after that because the company always made excuses to " return my calls '' " computers down '' and answering machine messages were my only contact options -- at that time they told me I had to see them for the lifetime yet they made NO attempts to allow me to see them.Someone needs to contact XXXX and tell them they purchased a fraudulent debt and are pursuing a single mom head of household supporting my son person. someone should then investigate the lasik vision institute for their shady practices. I should not own this debt!
Consumer complaint received 2015-05-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

" This is not a duplicate '' I filed a complaint with the CFPB on Attorney General and XXXX XXXX XXXX XXXX, after disputing the debt collection practices by the Attorney General and XXXX XXXX XXXX it was agreed that the debt be written off due to improper collections. On XXXX/XXXX/14 at XXXX the XXXX XXXX the dispute to XXXX XXXX XXXX XXXX XXXX the dispute. On that same day XXXX XXXX XXXX reported XXXX of those collections on my Transunion Credit Report. For months this has affected my credit and other litigations with in my processes. On XXXX/XXXX/15 I spoke with the Attorney General XXXX XXXX XXXX about the credit reporting, he stated that it had been written off. I had mentioned to him about the XXXX fair credit reporting act violation that were placed on my Transunion credit report. He stated that the Attorney General has nothing to do with those reports that it was XXXX XXXX XXXX I then asked if XXXX XXXX was n't hired by the Attorney General as a third party to collect on the debt. Thanked him for his time and then called XXXX XXXX XXXX XXXX to question the Fair debt collection practice and the Fair credit Reporting Act. I spoke with XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, stated that " they were written off on XXXX/XXXX/14. After giving XXXX XXXX XXXX to correct the issue I had to file a dispute with the Transunion Credit reporting Agency, after investigations the Transunion Credit Reporting Agency removed the false reports from my credit report.
Consumer complaint received 2015-05-22
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Atlanticus Services Corporation (MI)

On XXXX XXXX, 2015 I was attempting to help a friend obtain a phone through the XXXX XXXX XXXX. I was advised that they had financing options that did not include pulling or reporting to my credit bureau. The gentleman in the store asked me if I wanted the payments to be withdrawn from my checking account, I advised I just needed him to make sure that my credit was not run. He said ok, finished processing the account, we received the phones, he gave me information for when the payment was due and I thought that was the end of it. On XXXX XXXX, 2015 I called Fortiva as I pulled my credit report and noticed an inquiry from Fortiva and gave them a call and explained that I was told more than once that my credit report would not be run, I advised their inquiry was without permission and told them that I wanted the info to be removed from my credit report. I was told by a representative as well as a supervisor by the name of XXXX that I needed to XXXX the balance on the account and they would remove the info from my credit report. I asked for something in writing and they said they would n't be able to give me anything in writing, but to make the payment and call back and they could take care of it from there. Apparently, as XXXX informed me, there are XXXX ways for financing for XXXX phones. There is a " Y Buy '' program that does n't include pulling a credit report and then there is " Fortiva '' which indeed does pull a credit report. XXXX told me I could have the store cancel out the Fortiva account and instead sign me up for a " Y Buy '' account and that would XXXX the balance or I could just pay the account down to XXXX. In not wanting anything else to do with any of their financing options I went ahead and paid off the account on XXXX XXXX, 2015. The payment updated to the account after business hours on XXXX XXXX, 2015. I called in on XXXX XXXX, 2015 and then spoke with another representative as well as another supervisor by the name of XXXX rep id # XXXX. I informed him of the previous conversation and that the account was now paid off and that I wanted them to follow through with removing the information from my credit report. He told me there was no way to do this as they do n't remove factual info from the credit report. I advised I understood not removing facts, but I did n't authorize my credit report being pulled. He said they would have to do an investigation and someone from their corporate office would call me within 3-5 business days. 14 business days later I have not received a call back or resolution to my problem so I called in on XXXX XXXX, 2015. I spoke with a representative and asked to speak to a supervisor. After almost 15 minutes on hold, the rep came back and said a supervisor was not available, he was on another call and would need to call me back. 24 hours later and I have still not received a call back. This is incredibly wrong, I have been misled and lied to and I would like some resolution to this situation.
Consumer complaint received 2024-09-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rausch Sturm LLP (LA)

My name is XXXX XXXX XXXX, a federal protected consumer me, and I am making this complaint against Rausch Strum LLPfor committing identity theft. I have never given Rausch Strum LLP, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC sub section 1692e ( 12 ).

I have not validated any alleged debt with RAUSCH STRUM LLP and my failure to dispute the validity of these alleged debts shall not be construed as a admission of liability. As of XX/XX/year>, I have not received documentary evidence, such as a trilateral contract, giving RAUSCH STRUM LLP any right to collect on this alleged debt.

I have never received any documentation requesting validation from RAUSH STRUM LLP, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ), which the FTC defines as debt parking. If RAUSCH STRUM LLP can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, Prior to, furnishing on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debt until the company can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and RAUSCH STRUM LLP continue its collection efforts, I will file for litigation for actual damages caused and RAUSCH STRUM LLP will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required. Pursuant to rule 1002 original application bearing my signature on it also requesting your Errors and Omissions insurance number I requesting documentation be provided to me the consumer. 
ACCOUNT # XXXX
Consumer complaint received 2015-05-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (LA)

I am dealing with Navient for XXXX private student loans. My sister paid {$11000.00} towards my loans to have her name remove as a cosigner. These loans went through XXXX collections agency and XXXX of them had no knowledge about the {$11000.00} payment. I started checking my account online and notice that navient did n't post the {$11000.00} to my account. I called them numerous of time and printed out documents from the online account. Then one day I decided to go on my online account and there goes the {$11000.00} payment but the balance remanded the same. First they told me that the online account does n't update because my account is with an collection agency and the information was n't correct. I asked them to send me information on my account and they only sent me information of my payment with the same balance as the online account. My thing is if the online account does n't update then why is the statement the same as the online account and why is my recent payment updated on there. I tried to get more documents on my loans and they refuse to send it me stating they was n't able to send me any documents. They keep sending me the same statement every time when I ask for something more detail. I try to contact the attorney that the judgements are with, but I get no answers and they never return my calls. They also had no knowledge of the {$11000.00}. I been going through this for three months trying to find the right balance because I calculated everything possible way to come up with the correct balance and it not coming close to anything they have and they refuse to send me documents and is giving a the run around.
Consumer complaint received 2015-05-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (VA)

Equifax has a collection account on my credit report. The information is incorrect and I do not owe anything. I filed a dispute with them before and they did not properly investigate the matter. I filed again recently and I am trying to speak with someone from the company. I have call records that show I attempted to call on more than 20 occasions and they keep me on hold for long times and eventually the call is disconnected. When trying to file an online dispute they have a 200 word maximum to describe what happened, that is just not enough to describe what happened and how much damage this is causing. Due to this I was recently denied a student loan ; in the student loan form I was told specifically that the loan was denied due to the XXXX collection account reported on my equifax report. What they are doing is costing me time and money and may prohibit me from going to school to finish the last year of my XXXX XXXX XXXX. The account is charging me for a lease break and a new carpet for my old apartment. I did not break my lease I was evicted. I should not be charge for a new carpet. When I moved in the carpet was already very old. I paid my security deposit and an extra pet deposit when I adopted my dog, and I paid dog rent as well every months. I did not get any of the deposits and after living there for a year with an animal on an already old carpet, they company had to replace the carpet regardless, but I will not pay for them to remodel.