davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc. (NM)

Mr cooper is collecting a debt not owed by XXXX XXXX by attempting to seize her property and mine that we hhave owned for over 15 years. They have provided NO VALIDATION NO VERIFICATION of DEBT, it is not owed by us the bank needs to collect from the debtors XXXX and XXXX XXXX XXXX for that debt that is not ours. Cease collection activities form an innocent senior just because you can play a tactical legal trick on a defenseless womna does not mean you have to abuse her It is the law not to do that. it is protected under usury law and under FDCPA We tried to work with you in good faith and all we got is deceit
Consumer complaint received 2023-02-21
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (MI)

The car a XXXX XXXX XXXX  was defective. The company issued a recall for the brakes in XX/XX/XXXX. I went to the dealership XXXX XXXX and they said they did not have the part but it was safe to drive. I went there twice but they said they did not have the parts, On XX/XX/XXXX I had a very bad accident I had to be cut out of the car. The person that was siding with me was injured. I suffered a very bad XXXX  and XXXX  injury. And it is still bothering me. The accident was caused by defective brakes the same recall that was issued for the car. I had to be cut out of the car. I almost died. Now Ford Credit is putting that I owe them {$650.00}. Now I can not drive anymore and I have to be taken every where. I want this off my credit report.
Consumer complaint received 2023-02-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

MY LOAN WAS ORGINALLY WITH XXXX WHEN I FIRST PURCHASED IT BACK IN XXXX  IT WAS EVENTUALLY SOLD TO OCWEN AND I HAVE HAD NOTHING BUT PROBLEMS SINCE WITH MY MORTGAGE. AS SOON AS OCWEN GOT MY MORTGAGE THEY CLAIMED I OWED THEM SEVERAL XXXX  OF DOLLARS IN WHICH IT WAS IMPOSSIBLE BECAUSE I HAVE ALWAYS PAID MORE THAN I WAS REQUIRED TO AND I PAID ON TIME. HERE WE ARE AT ALMOST TWENTY YEARS LATER OCWEN/PHH IS STILL MAKING FALSE CLAIMS IVE HAD TO HIRE SEVERAL ATTORNEYS NONE HAS HELPED I WATCHED XXXX XXXX TAKE DEPOSITION ON A REP FOR PHH AND THE REP COULD NOT EXPLAIN WHAT HAPPENED TO THE MONIES I SENT THEM BECAUSE IT WASNT APPLIED AS I INSTRUCTED PHH TO AS IF IT JUST DISAPPEARED INTO THIN AIR. OCWEN/PHH ARE PREDATORS AND HAVE TAKEN ADVANTAGE OF ME THIS IM SURE OF I HAVE NEVER MISS THREE PAYMENTS TO BE IN DEFAULT. OCWEN/PHH HAS FORCED ME INTO ABOUT FOUR DIFFERENT MODIFICATIONS THEY HAVE ALSO ADDED XXXX XXXX DOLLARS TO A MODIFICATION I WAS NEVER MADE AWARE OF PLEASE HELP ME. I HAVE TRIED EVERY AVENUE TO GET THIS ISSUE RESOLVED. I KNOW I HAVE PAID FOR THIS HOUSE TWO TIMES OVER, I WOULD BE SATISFIED IT THEY JUST SEND ME MY DEEDS TO THIS HOME BECAUSE THEY DEFINITELY HAVE PREYED UPON ME FOR YEARS. I APPRECIATE YOUR TIME AND EFFORTS THANKS IN ADVANCE.
Consumer complaint received 2019-02-10
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. (MO)

I received a copy of my credit report and it shows a bankruptcy listed on it. I sent letters to all three credit bureaus requesting documentation showing how they validated the bankruptcy. 

I received a response from Equifax and XXXX  just stating the bankruptcy was validated but did not send any proof of the validation.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2023-02-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CO)

Colorado statute XXXX " No security deposit shall be retained to cover normal wear and tear. '' Two years ago XXXX XXXX  attempted to charge me {$170.00} to bring the apartment up to move-in-ready condition. I disputed the charge and XXXX XXXX  dropped the issue since we both knew that {$170.00} for a paint crew plus cleaning crew, clearly the apartment was left clean and without damage or it would cost more. Their own pictures show very minor wear and tear for living at XXXX XXXX  for about 5 years. XXXX XXXX  was sold and now 2 years later, the new landlord, without any notice to me, sent the bill to a collection company who has damaged my credit report by claiming it is past due. I noticed my credit score drop and had to find out why. I informed them the bill was illegal and they responded that my only choice is to pay or my credit score will continue to decline. Holding my credit hostage for an illegal bill is " False Credit Reporting. ''
Consumer complaint received 2023-02-20
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC (TX)

On XX/XX/2022 United Wholesale Mortgage transferred my account to XXXX XXXX and marked it as closed. In XX/XX/2022 my credit score went down XXXX points due to this mortgage loan being marked as closed.
Consumer complaint received 2024-09-03
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. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act Possible Account # XXXX, XXXX XXXX XXXXXXXX Account # 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 2023-02-20
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX is in violation of 15 USC 1692 ( j ) 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. Furthermore you have 4 business days after receipt of this Notice to block this fraudulent account from my consumer report. according to 15 USC 1681C ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Identify Theft report and proof of identity enclosed as required by federal XXXX. Also the conduct of XXXX XXXX Services is an act of racketeering activity counterfeiting my signature and credit agreement is a violation of 18 U.S. Code 1961. Also reporting the accounts to my credit file with extortionate intent is also a violation of 18 U.S. Code 1961 ( 1 ) This is Notice to Cease and Desist from all communication including the credit report agencies I refuse to pay the alleged debt because I have no obligation to XXXX XXXX XXXX I have never entered into a consumer credit transaction with XXXX XXXX XXXX or its agents or employees and never gave you or your agents permission to use my personal identifying information which was obtained by aggravated identity theft in violation of 18 U.S.C 1028A. See attachment
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act, this consumer reporting agency has violated my rights under 15 U.S. Code 1681a - Definitions ; rules of construction : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This states that transactions are not included in the report. 

Please remove all late payments from : XXXX XXXX : Account number XXXX This account is paid in full. Please update payment history to paid as agreed never late XXXX XXXX XXXX
Consumer complaint received 2015-09-07
Product: Prepaid card — Government benefit payment card
Issue: Fraud or scam — 
Company: Comerica (AZ)

XXXX XXXX Services froze my XXXX computer screen with a window instructing me to call XXXX at phony phone number. Then " XXXX '' transferred me to XXXX XXXX XXXX which falsely claimed to be XXXX 's contracted tech service. XXXX pretended to " fix '' a problem they caused in the first place. They took remote control of my computer for at least XXXX hours. All XXXX & XXXX forums I have read explain XXXX is a scam. They allegedly are HQ in XXXX XXXX NJ at XXXX XXXX XXXX # XXXX zip code XXXX ; contact XXXX XXXX, email XXXXXXXXXXXX, phone XXXX. I was hacked by XXXX XXXX/XXXX/15 & discovered scam XXXX/XXXX/15. I have complained to FTC. I have complained to Comerica Bank which is sending me a fraud complaint form, a new Social Security check prepaid debit card ; they asked me to file a theft report with the XXXX Police Dept. This is cybercrime, wire fraud, and other crimes, I guess. Go to FBI? U.S.Justice Dept? New Jersey Attorney General?
Consumer complaint received 2023-02-21
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX CARD XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NY)

Goldman Sachs is repeatedly closing and ignoring my disputes and failed to resolve 3 transaction disputes on my account by incorrectly claiming that " my account already received a credit from the merchant for the disputed amount. This closure is without merit as Goldman Sachs appears to be mixing up to unrelated credits which were refunded to my account for 2 other separate transactions. In total I was to receive 7 credits from this merchant, as of today I only received 4 credits, with 3 still missing. During this process Goldman Sachs has already wasted almost a year and neglected this matter without an end.
Consumer complaint received 2015-06-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (FL)

I transferred cell phone service from one provider to another. The new provider was to reimburse the money and can pay the outstanding balance to the previous provider. I made payment arrangements with XXXX and was paying the arrangements. After I made my last payment to XXXX, I started to get calls consistently from Diversified Consultants XXXX. They were rude, I explained to them I had no debt and had pay XXXX off. They told me I was lying and the debt needed to be paid. I even called XXXX and asked them to make this collection agency stop calling me.
Consumer complaint received 2023-02-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp. (WA)

I receive at least three text messages a week regarding a debt owed to TrueAccord. The text message does not specify an amount owed, nor does it specify what the debt is for. The link in the text message directs me to a website that asks XXXX to resolve a debt owed to XXXX XXXX XXXX. My name is not XXXX and I've never heard of XXXX XXXX XXXX. I have attached a screenshot of the webpage I was taken to. The phone number the text message comes from is ( XXXX ) XXXX. I have reported the issue to XXXX as spam, but the text message continues to come through to me. I have called TrueAccord 's number ( according to a XXXX search ) and got through to an operator with an XXXX accent. I immediately hung up the call assuming it was spam.
Consumer complaint received 2023-02-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (AL)

I have contacted this company several times in regard to the alleged debt and consumer violations. I sent a cease and desist with a request for information that was not supplied line for line and an affidavit of truth which is unrebutted. I have not received any further communication on the account and the account is reporting on my credit reports which is impacting my ability to obtain credit to properly take care of my family.
Consumer complaint received 2023-02-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (AZ)

Citi advertised an offer to open a new savings account and received a {$450.00} bonus for depositing {$50000.00} in new funds. I opened an account using the advertised link on XX/XX/XXXX, deposited {$50000.00}, and waited for the amount of time specified in the promotion terms. My account should have been credited the {$450.00} bonus in XX/XX/XXXX, but was not. 

I called Citi support and the representative agreed that I had met the terms of the agreement, and should have received the bonus. They opened a case for me and said that the {$450.00} bonus would be credited to my account within 5 days ( Citi ref number XXXX ). That was more than 2 weeks ago, and I have not heard from Citi nor have I received the promotional bonus. 

Timeline Account opened : XX/XX/XXXX ( acct number : XXXX ) Account balance on XX/XX/XXXX ( XXXX day after opening ) : {$50000.00} Account balance on XX/XX/XXXX ( 60 days later ) : {$50000.00} Account balance today, XX/XX/XXXX : {$50000.00} These actions met all terms of the promotion, and should have resulted in a {$450.00} bonus credited to my account within 30 days - by XX/XX/XXXX. This has not happened, and I have contacted Citi to resolve this issue without success ( Citi ref number XXXX ). 

Below is a copy of the email I received confirming my enrollment in the offer, and a copy of all offer terms : https : XXXX? XXXX https : XXXX
Consumer complaint received 2015-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

Equifax shows XXXX accounts as " late '' or " delinquent ''. All XXXX of these accounts were subject to a bankruptcy processing of XXXX 2013. I have asked for numerous investigations by Equifax , but they refuse to remove or correct the information. Equifax currently refuses to reinvestigate the information, as they say they have already investigated my complaint and/or they say they have verified the information with the data furnisher. This is all despite the fact that I have furnished Equifax with all of the paperwork from the bankruptcy proceeding, which shows that I can not possibly own anything on these accounts, and they should have been showed " closed '', with " XXXX '' balance as of XXXX 2013. These accounts can not legally be shown as late or delinquent, as this is not a legal condition possible at this time.
Consumer complaint received 2023-02-21
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-02-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GLA Collection Company, Inc. (TX)

I recently obtained a copy of my credit report and as allowed under the Fair Debt Collection Privacy Act ( FDCPA ), I am requesting that you validate the alleged debt with GLA Collection Company. 

Additionally, I am allowed under HIPAA Law ( Health Insurance Portability and Accountability Act ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX to third party, GLA Collection Company. 

Please provide me with a breakdown of all charges, dates of service, and procedures given with the fees associated along with my signature and consent to release private health information. 

Please advise that withholding full documentation you received from any medical provider in an attempt to be HIPAA compliant is a violation of FDCPA. 

Additionally, reporting of this debt prior to allowing me to validate may be a violation of the Fair Credit Reporting Act ( FCRA ), which can allow me to seek damages from your collections agency. I will await the proof for 30 days, and if proof is not provided it is considered invalid and I expect GLA Collection Company to be removed from my credit report. 

All Accounts are listed below : GLA Collection Company GLA Collection Company Thank you