davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

This company is requesting payment for accounts that I do not owe on. {$500.00} from CREDIT MANAGEMENT.. 
These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to EQUIFAX. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. ... only know of this account based on it being reported in my credit report ( s ). I 've never heard of this company and DO NOT owe a Balance of {$59.00} to XXXX! We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against EQUIFAX AND XXXX XXXX in their respective state and both of these companies if this is not resolved NOW! EQUIFAX and These CRAs should be banned from doing business and ruining peoples lives without verifying information 1st! 
I 've ALWAYS had this type of trouble before with EQUIFAX. From fraudulent inquiries on my report, which they will not remove to situations like this. I file complaints over and over and will keep doing it! 
My report with them has always been incorrect. From having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised with Equifax! 
I have submitted as well an official SS card and pay stub, XXXX with my correct address and these numbskulls still will not update my address. 
ALL references regarding this account must be deleted from ALL reporting agencies. 

-- Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this accounst under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts 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 accounts below : XXXX XXXX Balance : {$25.00}, XXXX XXXX XXXX Balance : {$7100.00}, XXXX XXXX, Balance : {$28000.00} XXXX XXXX XXXX  XXXX XXXX, Balance : {$32000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2016-12-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

My escrow account was double charged for XX/XX/XXXX and XX/XX/XXXX XXXX and cities taxes by Bayview Loan Servicing , LLC . When they send me XXXX XXXX Report with shortage in XX/XX/XXXX, I called them to correct it, but instead of actual investigation of the problem they tried to make me believe that each payment XXXX XXXX and city from my escrow account was just XXXX of total payment due. I went to XXXX XXXX 's office and got Tax Bills for XX/XX/XXXX and XX/XX/XXXX that proofed that I was right. What is more XXXX XXXX and city taxes were paid by the company which I bought the house from, I guess, by mistake. As I 've been told at the XXXX 's office, checks from Bayview Loan Servicing were rejected and send back to the same address that they came from. I send all docs to Bayview and they finally figure out that they tried to pay taxes for my neighbor 's parcel because of wrong property legal description on XXXX deed. I bought the house in XX/XX/XXXX, and all taxes were correct until XX/XX/XXXX. The corrected legal description was recorded in XX/XX/XXXX. I faxed all proofs of it to Bayview on XX/XX/XXXX. And it is still not corrected as of today date. I spoke with all departments within the company, like customer service, escrow analysts, and customer advocacy team. They neither ca n't find money that they send to XXXX and city in XX/XX/XXXX and were returned back to them or correct my escrow account for 7 months already.
Consumer complaint received 2016-08-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (MI)

I graduated from law school at the XXXX in XXXX, after finishing XXXX at the XXXX in XXXX. During my time at both of these schools, I had to take out private student loans in order to cover my cost of living, books, food, etc. Now, I am facing upwards of $ XXXX in private student loans. I have another $ XXXX or so in federal loans as well, but these are not the problem. My experience with the private loan companies has been XXXX. They are very rigid on your options for forbearance and deferment. They allow of short term and long term hardship options, but they are always in tandem with super strict requirements that you are unlikely to meet. I pay roughly {$1200.00} a month in student loans currently. My hardest payments being to the private loan servicers. I simply can not afford to keep making these payments and the companies will not work with me in any way to get the monthly payment more manageable. I also have a cosigner, but she 's my mom and honestly can not afford to be making these payments either. I 've been considering bankruptcy as an option, but I do n't want to force my parents into bankruptcy. I 've also been considering just defaulting on the loans with the hope that maybe they will be more willing to negotiate once I stop making payments or we are in court. I really do n't know what to do, but I feel stuck and suffocated by this debt.
Consumer complaint received 2021-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MSCB, Inc. (IN)

This is a formal complaint against MSCB INC for attempting to collect a debt that does not belong to me. On XX/XX/2021, I received a letter from MSCB INC, stating I had a past due balance of {$96.00}. This letter was sent to me in error as I am not XXXX XXXX XXXX. Also, I do not have any outstanding balances with " XXXX XXXX XXXX. '' Per the FDCPA, collection agencies have to send a written notice of debt to consumers before reporting the debt to the credit bureaus. The letter must contain the following : " ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; '' ( 3 ) Thirty days to dispute the validity of debt upon receipt of the notice ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. '' I request MSCB cease from contacting me regarding this invalid item as it does not belong to me.
Consumer complaint received 2019-10-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (WA)

We completed a FHA 203K remodel at XXXX XXXX XXXX XXXX, WA for your clients XXXX & XXXX XXXX XXXX and have not been paid by The Money Source , the loan holder and her hired FHA consultant XXXX XXXX has engaged in fraud and produced a fraudulent report, we hired an FHA Compliance Officer whom inspected the property and determined that nothing was wrong with it. Our payment is being illegally withheld. A copy of the report has been sent to the bank, ( The Money Source ) we are demanding payment.
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (VA)

XXXX XXXX XXXX XXXX XXXX XXXX va, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Last 4 of SSN : XXXX To whom it may concern, I wrote you requesting validation of this alleged debt on XX/XX/year> As of today, I have not heard back from you. It has been 60 days. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, I can presume that no proof of the al-leged debt, nor therefore any such debt, in fact exists. 
In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for you collection of this alleged debt?

4. Please send evidence your authorization to do business or operate in the state of Virginia.

5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

Best Regards, XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/year> I sent XXXX, Equifax, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Consumer complaint received 2024-09-22
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (MI)

They have told me my account was under suspicious activity now then now there telling me that I owe them money when I didnt get a email saying I owed them they told me that I have too many accounts then froze my account and cant access my money
Consumer complaint received 2016-11-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (VA)

I opened a checking account with Simple Bank ( BBVA Compass ) on XXXX XXXX, 2016 and initiated the direct deposit of my paycheck. This was to begin on XXXX XXXX, 2016. I received a live paycheck while account verification was taking place in the amount of {$1900.00} and initiated a Mobile Deposit via the Simple app on XXXX/XXXX/16. The day after I received the live check, I found out from my payroll department that my employer needed to replace it ( maybe an incorrect account # ). I communicated this to Simple. On XXXX XXXX, I received the replacement check ( {$1900.00} ) and initiated the mobile deposit with it. On the same day, Simple made a debit adjustment in the same amount awaiting the return of the XXXX check deposit. On XXXX XXXX, Simple made another debit adjustment for the return of the XXXX live check ( which had already been done on XX/XX/XXXX ) in the amount of {$1900.00}. My first actual direct deposit came in on XXXX XXXX which actually XXXX my account. My account was then closed by Simple. I made several attempts to reach out to Simple via telephone to find out what was happening to my account and get this corrected, as a review of my account should had shown that my account was simply debited twice for the same adjustment, but to no avail. Simple told me that due to security reasons, my account had to be closed and that they could not speak with me any further and hung up the phone on me. I repeatedly tried calling them, but got the same response. My account was adjusted again on XXXX XXXX, showing my direct deposit and my correct balance of {$1900.00}. I actually thought that they found the error ( after I sent a timeline via the support function on the Simple web site ). Communicating via the support function on the Simple website, when I asked when I would be able to get my money back, I was told that after all transactions have been settled on my account, that I would get the balance within 3 weeks. On XXXX XXXX, another adjustment on the account says, " Force Paid Debt. '' When I asked, via the support function on the Simple web site, what does this mean, I was told to refer back to the " Your Account has been closed '' message. This message does not tell me anything and has not been of any assistance. I am now out XXXX paycheck and had to take out an advance on my next pay to make ends meet. I am not getting anywhere with Simple Bank ( Compass BBVA ) and think that I need help to get back my paycheck which I feel has been stolen from me at this point.
Consumer complaint received 2019-10-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (PA)

XX/XX/2019 I had a phone call with sprint about my phone bill account they sent me to ICS we spoke about an agreement of {$100.00}. a month and it wouldn't go on my credit report I made my first payment on XX/XX/XXXX it comes directly out of my bank account and they didn't take it out til XX/XX/2019 and I just made another one payment on XX/XX/2019 which made 2 payments I'm not the one in the wrong if they waited to take it out of my account so late then he is arguing with me telling me we made a different arrangement amount which isn't true I told him to listen to the recording he said he didn't have to and is telling me I can't keep sending {$100.00}. A month it has to be {$280.00} some dollars if we have to honor an agreement how is it they can change it and make problems for me when I'm trying to do the right thing..thank you if I am in the wrong then I'll fix it but I'm not and I'm making an obligation you pay it
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.
Consumer complaint received 2016-08-10
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

To Whom It May Concern : I am writing this letter in response to the phone letter received from you on XXXX XXXX, 2016. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Consumer complaint received 2016-07-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: TRANSWORLD SYSTEMS INC (AR)

I received a call on Wednesday, XXXX XXXX, 2016 approximately around XXXX. to XXXX. in regards to my XXXX XXXX XXXX XXXX, which has defaulted and has gone to this collection agency : TransWorld Systems, Incorporation, telephone number : XXXX. 
I am so angry the way this gentleman talked to me on the phone. He made me feel like I was " NOTHING. '' I am so upset right now. When this collection agency first called several weeks ago, I started out speaking with XXXX XXXX. XXXX XXXX called last week and she stated she noted my account of what I was currently doing to resolve this debt. I do not use offensive language, but this gentleman that called me caused me to use offensive language. You do not call somebody 's house and speak to them in a way that makes them feel like they are incompetent, ignorant, and beneath you. They are going to keep hassling me about this student loan XXXX and they, XXXX XXXX XXXX XXXX XXXX is not going to get one dime because I DO NOT have a co-signer.
Consumer complaint received 2016-08-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CMRE Financial Services, Inc. (CA)

On or around XXXX XXXX, XXXX, CMRE FINANCIAL SERVICES began reporting a debt on my XXXX Credit Report. CMRE never sent me a notice collection notice, nor was I sent a letter with the FCRA right to dispute advisory. I only realized CMRE was collecting on a debt when I checked my credit report. I immediately called CMRE to request for information to verify the debt. After reviewing the letter I confirmed that I had already paid another collection agency on XXXX XXXX, XXXX for the debt CMRE was attempting to collect. I tried to dispute the debt a few times with XXXX to no avail. 

I am resident of California and the original debt was dated XXXX XXXX, thus being over five years old at the time of CMRE attempted collection, and consequently one year beyond the state statute of limitations.
Consumer complaint received 2016-11-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (AZ)

I had fraud on my account XX/XX/XXXX and my husband said he was taking care of it and it the meantime XXXX or XXXX accounts were open in my name that I was unaware of and XXXX stayed open from XX/XX/XXXX until XX/XX/XXXX. My husband tried to deposit XXXX checks in which one was deposited at around XXXX in the afternoon and we were at the bank before they opened to make the deposit but it was already sent and returned overnight. The other was for a job he did and when he deposited it in his account they said it would be available the next day so he deposited a check in my account and it came back so now the branch manager at the us bank XXXX location is closing my account based on this XXXX account even though I have been with them for around 16 years and always in good standing. When I went to the bank I found out that a credit card was charged off in my name that I had no idea of. I tried to explain it to the branch manager XXXX XXXX and he said he wanted proof even though the us bank fraud dept is mailing us a packet and he spoke to the banker who spoke to them. he also said he wanted proof that we filed a dispute with the credit bureaus which they did not send and they said you wont get a response for 30 days. It is my opinion that this guy did n't want to do his job and look at my history because he admitted he was just basing this off this account and he had the right to keep it open according to the operations division that suggested me at a high risk even though I have excellent history with them. When the first check came back they put a hold on the account on XX/XX/XXXX and did not notify anybody and the accounts that were opened were done through direct bank but yet nobody found it odd that someone would open XXXX accounts within a months time and no activity. I explained to him that I just wanted my account open and if it happened again then fine close it but he was not customer friendly at all even though I sat on hold to operations office for a while listening to how us bank is customer friendly.
Consumer complaint received 2019-10-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (TX)

1. I closed my loan with Loandepot on XXXX XX/XX/2019. I had talked to XXXX XXXX about refinances and they gave me a better loan rate. I sent a e-mail to Loandepot on XX/XX/2019 telling them that I wanted to cancel my loan application by e-mail. I mailed the notice of right to cancel on XXXX XX/XX/2019, by US Mail, on XXXX XXXX I checked the tracking number and it had arrived before the midnight deadline. Loandepot claim they did not receive the e-mail or the letter, that the post office stated that it was had been delivered when I checked the tracking on XXXX XX/XX/2019. They claimed that they did not receive either. XXXX XXXX pnone XXXX, Was the one that started my loan, Lendind Officer wasXXXX XXXX XXXX account Mgr. XXXX XXXX XXXX Account Manager. The first time I found out that they had paid the balance of my account off was when I logged on to XXXX site.