davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

I am in a modification and currently making trial payments, however the bank is selling my house out from under me. I received a notification of a assignment of right to bid this week from the bank 's attorney that was filed in the XXXX XXXX courts system on XXXX. I just paid my XXXX payment and the bank is still pursuing a foreclosure sale. further research in the court system shows a pending sale with a closed bid on my property. this is dual tracking and illegal. I have proven that I can pay my mortgage and the bank has given me a payment plan that I am abiding by and they are accepting my payment.
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I use XXXX to assist me with the mess that is my credit report. There are things listed on my credit report that I do not have any knowledge of. I have asked that these items be removed. Transunion was asked to investigate and remove all credit report lines, specifically this credit report line : Agency : XXXX XXXX Report Date Removed : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Owed : {$2700.00} Bureau : Transunion What happened next is baffling. The same day that it was removed, IT WAS ADDED BACK, as a completely different collection. It now looks like : Agency : XXXX XXXX Report Date Removed : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Amount Owed : {$2700.00} Bureau : Transunion The Consumer Protection Bureau should be concerned that this kind of behavior is being exhibited not only by the credit bureau but by this Collection Agency. The opened date now shows XX/XX/XXXX. The original open date was nearly 6 years ago. This item should not even be on here, as I do not have any knowledge of this debt. They have no proof of validation and when requested they could not provide ME with that information. Simply sending me a bill does NOT validate a debt. They can not provide physical evidence that the debt is warranted. 
Transunion made a very big mistake in reporting this debt as they did as a different creditor name and under a different collection agency, the exact same day it was removed as not being valid. Shameful. Can you imagine being XXXX XXXX and having XXXX XXXX transfer this debt to them and they knew that it could n't be validated because I started disputes pertaining to the debt in XX/XX/XXXX? That 's criminal.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance Owed : {$0.00} XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-01-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

I had a line of Credit with XXXX of XXXX, Ohio, XX/XX/XXXX, I was in the process of selling an old company, and was not getting alot of my mail, I was unaware there was a current outstanding amount owed to XXXX, on XXXX/XXXX/XXXX, XXXX XXXX XXXX ( XXXX ) filed suit against me with no notice, the address he used is not a valid address in the City of XXXX, it say 's some one signed for it but was not me and they could not make out the signature, per the court, I was not aware of the issue till I went to get a loan and a Judgement showed up on my XXXX credit files, so on XX/XX/XXXX, I sent a letter to XXXX and followed up with one of the Managers to resolve the matter, the manager understood the issues at hand and stated he would help resolve it, but he found out later that they had sold the account to the Law firm, and his hands was tied, he stated that they forwarded the letter to the Law firm, instead of trying to resolve the matter, XXXX XXXX XXXX, elected to file another lien to the bogus address, now because they where told to stop calling and harassing me, I thought that might be the reason the where not reaching out to resolve the matter, so I sent another letter with the offer to reach out to my counsel, we heard noting, less than 60 days ago, XXXX from there XXXX office ( XXXX ) XXXX at XXXX XXXX stating he was trying to collect this debt, when he told me who he was calling, I stated to him that I sent a stop order to the firm, he stated he did not care and that it was valid, I also told him that service was done to a bogus address, again he stated he did n't care, I told him that he was put his counsel 's law licences in to question he did n't care, I then reached out to XXXX, who want 's to do business with me again to see what they could do, they reconfirmed since they had sold it, they where out of the loop even thought they agreed that if they still had it and I was willing to pay the XXXX amount they would just remove it and clear the item, this firm has hundreds of complaints against them with mutiple states and agencies acrossed the country.
Consumer complaint received 2015-04-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (IL)

I was unaware of our debt to XXXX via IC systems, as my payments were supposed to be auto deducted, and I never received anything in the mail saying i owed them anything, or that it was being sent to collection. They repeatedly called my cell number, but no one would be on the other end when I answered ( only found out it was banfield by looking it up ), then they stopped calling. I have recently learned they have been calling my parents ' home- sometimes asking for me, other times just silent. My husband called IC systems requesting they stop calling my parents ' number and call his, but they have not done either. I have been at my parents home when they call ( everyday ), and when i pick up the phone to ask why they are still calling this number, no one responds. My husband gave them his number of XXXX, but they have not once called. Please have them stop calling my parents!!
Consumer complaint received 2015-09-27
Product: Credit card — 
Issue: Cash advance fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX/XXXX/15 I mistakenly sent a check to my BOA credit card for $ XXXX.I had intended to send this check to another credit card company, having paid my account in full on the card in question on XXXX/XXXX/15. Realizing my error on XXXX/XXXX/15 I logged in online, confirming a credit balance of {$4400.00} on my account. I utilized their interaccount transfer function on the website to transfer the credit to my BOA checking account. On XXXX/XXXX/15 BOA charged me {$220.00} as a " cash advance " fee and subsequently has charged me {$5.00} in interest on XXXX/XXXX/15. I have discussed this with them, through XXXX levels of supervisors. It is acknowledged that no charges or interest should have been charged, but they insist that I must send them a check for {$4400.00} ( which is not owed ) before they can make a correction and later return that same amount. I refused to send such monies for what is an acknowledged bookkeeping error on their part. There is no reference in the interaccount transfer section of the website that any fees would be charged for transfer of a credit.I have been told that I have no further remedies available through their customer service department.
Consumer complaint received 2016-01-20
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

XXXX XXXX from XXXX XXXX XXXX contacted me from XXXX stating I owe a loan and I need to contact by end of business day or I may be charged by my county for a case. I have been receiving harrassement phone calls to me and family members. I received a contract to sign via email from XXXXXXXXXXXX to make arrangements to pay XXXX installments to stop case from escalating. after I agreed I did further research to originally debtor to find out this loan from longtime ago has been in good standing and has not been forwarded to this collection agency in question. I feel I have been scammed and they got XXXX installment from me but no more. they are very convincing so I was afraid and got scared so they can leave me alone.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I got notification that federal XXXX XXXX XXXX reported one of my accounts as me being deceased. I did go to a notary today. Got a letter sign stating that I am alive. I will attach that document.
Consumer complaint received 2015-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NJ)

This continues original complaint XXXX. 
Chase indicated that the RMA and supporting documentation has " expired ''. How is that possible without completing the application process? All documentation requested was provided. No one has contacted me to follow-up. I am not sure what I have to do now. Re-start the entire process all over again??? This process is awful and clearly shows that Chase is unwilling to help their customers in need. I have been trying to get this resolved for over 4 years and can not believe that this is still going on. Not XXXX person from XXXX XXXX office has responsed. What does a person have to do to get some part of their life back??? Please help. I implore you ...
Consumer complaint received 2016-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This complaint was resolved by its removal from Experian on XX/XX/XXXX. This was my Case number : XXXX How do I get it removed from Transunion and Equifax? 

I am disputing the only adverse account on my report, which is XXXX # XXXX ( XXXX XXXX ) for the amount of {$410.00}. This entry is totally fraudulent and I am requesting that it be removed immediately. 
Here are the facts : XXXX failed to provide service for the amount which was agreed to, and subsequently terminated my service after ten months of service. XXXX broke the agreement by not only overcharging me every month but also by terminating my services on XX/XX/XXXX when my bill was paid in full thru XX/XX/XXXX. 
On Friday, XX/XX/XXXX, at approximately XXXX XX/XX/XXXX., when I called to complain about fraudulent charges being on my bill for the tenth month in a row, XXXX immediately disconnected my services even though my bill was paid in full thru XX/XX/XXXX. I can only assume that XXXX was tired of my continual complaining about the fraudulent charges every month so they decided to terminate my services when I repeatedly complained about the fraudulent charges. 
When I noticed that the services were turned off, I called XXXX back to again complain and I was told that the services had been disconnected and that I would receive a credit for the remaining eleven days on a final bill. XXXX owes me {$14.00} for disconnecting my services on XX/XX/XXXX when my account was paid in full thru XX/XX/XXXX. 
I owe XXXX nothing!
Consumer complaint received 2016-03-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

I have a mortgage which was assigned to Greentree and now they call themselves Ditech. I have my payment to auto debit out of my account every month on the XXXX when it is due. They took it out on the XXXX ( not a problem ). I got a call this morning at XXXX from Ditech asking me to make a payment, I informed him that the payment was already set up on auto debit from my account, his response was oh I see that. Well it is still pending. Why am I getting a call 2 days before my payment is due when the payment will be there on the day it is due? Also let me state NEVER have I been late in the 12 years I 've had my mortgage. NEVER did the other banks that I 've had to make my payments to in the past called me and harrassed me as much. When it was Greentree they called me asking for payment the day my check cleared my bank which is why I went with auto debit but I guess that is n't good enough for Ditech.
Consumer complaint received 2016-03-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (NJ)

My wife and I have a mortgage with PHH Mortgage in XXXX, XXXX. Due to a change in circumstances, we got behind on the mortgage and were getting letters in XX/XX/XXXX and XX/XX/XXXX from PHH 's lawyers advising that they were going to foreclose, so we walked away in XXXX XXXX and advised PHH of this expecting the foreclosure to be imminent. In XX/XX/XXXX as no foreclosure had yet taken place, we decided to try to arrange a short sale. I contacted PHH several times to obtain details of the company who were responsible for maintenance of the property on behalf of PHH. I never received any callbacks from the account manager despite numerous calls and emails. I even sent generic emails via the contact form on their website and received replies saying the account manager would contact me, but it is now XX/XX/XXXX and still no contact. As my wife is XXXX and I am relocating to XXXX a short sale is no longer an option. Meanwhile the property is deteriorating, and we are still responsible for paying certain bills until a new owner is found.
Consumer complaint received 2015-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (VA)

I owed XXXX XXXX XXXX a balance of {$19.00} which was a " final bill '' sent to me and due on XXXX/XXXX/2014. Before moving from our residence, THIS BILL WAS PAID IN FULL ON XXXX/XXXX/2014, and closed. 

XXXX XXXX XXXX has sent my acct to a collection agency ( AWA collections ) showing an inaccurate balance owed of {$260.00}
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Account Deletion and Blocking Pursuant to 15 U.S.C. 1681c-2 ( a ) Dear Sir/Madam, I am writing to inform you that I am a victim of a data breach, and I request that all accounts associated with my personal information be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 

Specifically, I request the following : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Immediate Blocking of Accounts : Any accounts or personal information that have been impacted by the breach and are listed on my credit report should be blocked and not included in any credit report issued by your company. 

Deletion of Information : Any accounts, information, or records related to the data breach should be deleted from your files, as permitted under FCRA 1681c-2 ( a ). 

For your reference, my personal information is as follows : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX XXXX Report Number : I respectfully request a prompt confirmation of this action and an updated copy of my credit report once the necessary actions are taken. 

Please notify me of any additional steps I must take to ensure the removal and blocking of the compromised accounts and information. 

Thank you for your prompt attention to this matter. If you require any further information or documentation to process my request, please do not hesitate to contact me at the address or phone number listed above. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-01-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (SC)

In the mid part of 2015 I pulled a credit report and noticed I had XXXX accounts listed with Pinnacle Credit Services. I immediately contacted them and was told I had XXXX old bills with XXXX. XXXX account was for {$440.00} which I paid because I knew the account was mine. I begin to question the other account they had listed for {$190.00}, I was told that since I did not recognize the information that I should send them a letter disputing this information and request validation of debt which I did on XXXX/XXXX/2015. I received the confirmation that they received the request as well as following up with a phone call to make sure they received it. I have since called on several occasions to see if they have been able to verify the debt. I have been told each time that they have not heard back from XXXX even though it 's already been 4 months. My last call was on XXXX where I spoke with XXXX and who told me the same thing. I proceeded to ask her that should n't they be able to provide this information in a more timely basis and her answer was that it could take months. My understanding was that they had 30 days to validate the debt and if not then the trade line should be removed from my credit report she in return stated that was not true. I am unsure how to proceed with this company as I am getting no where. I would like it removed from credit report ASAP as it has an impact on my credit score. This is an account that is not mine and really feel it is unfair to pay for something that does not belong to me.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2015-09-27
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BMW Financial Services NA, LLC (NY)

My ex-boyfriend has his friend who XXXX take back my old BMW and traded it for a brand new {$47000.00} BMW. The dealership FORGED MY SIGNATURE on the contract, therefor I do n't even have a copy of whatever contract they signed. They switched everything over at the dealership and he drove the car around for two months without me even knowing he had done this. He did n't even pay for the car, and then it got repossessed and I get an outstanding balance bill. XXXX credit collectors have gotten this account and then dropped the case once they reviewed the contract. I have been disputing this with all XXXX credit reporting agencies but BMW always claims the account is mine. How is this so when my signature was forged and this vehicle was bought without my permission in MY name. I currently have a loan open site BMW Financial services which also has my signature on it. I 've repeatedly asked BMW to review the contract so they can see the difference in the signatures but I never get a response. Please help.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX Employer - XXXXXXXX XXXX XXXX Incorrect Name : - XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN XXXX  ( XXXX XXXX ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!