davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am writing to formally dispute an erroneous and fraudulent entry on my credit report. On or around XX/XX/XXXX, I noticed a collection account reported by XXXXXXXX XXXX  XXXX XXXX, with the original creditor listed as XXXX XXXX, XXXX XXXX. The report indicates that I am responsible for this debt as a cosigner for an apartment lease. I want to state unequivocally that I have never cosigned for anyones apartment or any other debt with this creditor. This claim is entirely fraudulent. I have been XXXX XXXX  for the past few years and have been in and out of the hospital battling XXXX. Due to my health condition, I have not been able to engage in any such financial transactions, let alone cosign for an apartment. Someone has been using my identity fraudulently and creating fake documents with my information for financial gain. Date collection opened : XX/XX/XXXX Balance : XXXX This fraudulent entry is causing significant harm to my credit and is adding undue stress during an already challenging time in my life. I request that this matter be thoroughly investigated, and that this fraudulent account be removed from my credit report immediately. Please provide written confirmation that this entry has been removed. If you require any additional information or documentation from my end, please do not hesitate to contact me.
Consumer complaint received 2024-08-28
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. (AZ)

I am writing to formally dispute an erroneous and fraudulent entry on my credit report. On or around XX/XX/XXXX, I noticed a collection account reported by XXXX XXXX XXXX XXXX, with the original creditor listed as XXXX XXXX XXXX XXXX. The report indicates that I am responsible for this debt as a cosigner for an apartment lease. I want to state unequivocally that I have never cosigned for anyones apartment or any other debt with this creditor. This claim is entirely fraudulent. I have been XXXX XXXX  for the past few years and have been in and out of the hospital battling XXXX. Due to my health condition, I have not been able to engage in any such financial transactions, let alone cosign for an apartment. Someone has been using my identity fraudulently and creating fake documents with my information for financial gain. Date collection opened : XX/XX/XXXX Balance : XXXX This fraudulent entry is causing significant harm to my credit and is adding undue stress during an already challenging time in my life. I request that this matter be thoroughly investigated, and that this fraudulent account be removed from my credit report immediately. Please provide written confirmation that this entry has been removed. If you require any additional information or documentation from my end, please do not hesitate to contact me.
Consumer complaint received 2016-01-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (NE)

A collection company sent a letter stating that I owe {$900.00} for a cell phone from XXXX XXXX XXXX. The collection company is XXXX XXXX XXXX XXXX , XXXX located at XXXX XXXX XXXX, XXXX, XXXX XXXX but the return address is a PO Box , XXXX XXXX, in XXXX XXXX. I have never had a XXXX account and I have been with the same company for almost 21 years now. Also, the address I live at is a home, and they added an apartment #. I think this is a scam, and I worry about older people being taken advantage of or other people falling for this. 
Letter states : This is to advise you that your delinquent account has been assigned to our office for collection by the above mentioned current creditor. ( XXXX XXXX XXXX ) Unless you notify this office within 30 day after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion of it, this office will obtain verification of the debt or obtain a copy of the judgment and mail you a copy of such judgment or verification. If you request of this office is writing within 30 days after receiving this notice this officeXXXX will provide you with the name and address of the original creditor, if different from the current creditor. In order to aid your financial situation, as may be necessary, we could set up your account on a monthly payment plan. we would like to extend the following discounted offer : XXXX % discount payable in 2 payments of {$90.00}. Each payment within 30 days of the previous payment. We are not obligated to renew this offer. For your convenience you may pay via a check over the phone or credit card. You have our work that your account executive will treat you fairly and with respect. Sincerely, XXXX XXXX , XXXX *then further down on the letter at the bottom. The law limits how long you can be sued on a debt. Because of the age of your debt, LVNV Funding LLC will not sue you for it, and LVNV Funding LLC will not report it to any credit reporting agency.
Consumer complaint received 2015-07-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

My clients home is up for foreclosure sale on Tuesday XX/XX/XXXX ( THIS TUESDAY ). It is on the court 's docket. 
The loan apparently transferred servicing from XXXX XXXX XXXX to SPS effective Wednesday XXXX ( tw days ago ). 
We are unable to dicover the status of loss mitigation application as XXXX XXXX XXXX can not open their records due to the transfer and SLS has no record of it in there system per my call this afternoon! 

Attached are the serviving violation detailed specifically. 

Thank you for your assistance.
Consumer complaint received 2015-09-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

My mortgage was transferred from XXXX XXXX XXXX to PennyMac USA in XXXX 2015. Upon receipt of my first statement from PennyMac, I attempted to set up an online account to access my information and make payments. I was able to set up the account, but was not able to log in due to a message that simply stated " Error. '' I promptly contacted customer service, who informed me that there was an issue with the Web site that was being addressed. As suggested, I waited approximately one week before attempting to log in again. At this point, I encountered the same error message, so I contacted customer service again to address the issue. I spoke to numerous representatives and was assured that the issue would be fixed and that I would be contacted with resolution. After approximately 3-4 weeks passed ( and I had not heard from anyone ), I contacted customer service again because I was still unable to log in to view my account information and submit secure online payments. I was informed that the issue would be forwarded to the IT department, and I requested that this process be expedited. Last night, ( 10 days after my most recent phone encounter ), I received a call requesting that I send a screen shot of the error message because the IT department was unable to retrieve it. At this point, I admittedly became frustrated because I had requested that the issue be escalated and it took so long to hear back from someone who still had no resolution on my issue. Last night and this morning, I followed the login steps to get to the error message, and I am completely blocked out of my account. The system is supposed to generate an e-mail containing a security code to log in, and I am not receiving these e-mails as I had prior. I have spent many hours combined on the telephone with technical support, and am not in a position to continue to go in circles with representatives that have no answers to offer. After two months, all that I know for sure is that Penny Mac is deducting the monthly payments. With no access to my account information, I have absolutely no idea what my account balance is ; I have absolutely no idea how ( or if ) my payments are being applied.
Consumer complaint received 2016-01-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TN)

My home has been stolen by Wells Fargo Bank N.A . but XXXX XXXX XXXX XXXX has fraudulently used XXXX and XXXX XXXX law firm ( out of XXXX XXXX Arkansas ) to foreclose on my home. XXXX XXXX XXXX XXXX signed as the attorney in fact for Wells Fargo NA Bank on a substitute trustee filed in XXXX XXXX, TN registry of deeds. Wells Fargo has foreclosed on my home and sold it back to themselves. They never sent me XXXX bill nor responded to any of my legal requests.
Consumer complaint received 2016-01-11
Product: Credit card — 
Issue: Rewards — 
Company: TD BANK US HOLDING COMPANY (MD)

I applied for and received a TD Cash Rewards XXXX XXXX credit card in XXXX XXXX. On XXXX/XXXX/XXXX I received the card in the mail. The letter I received from TD Bank stated that I would earn 5 % cash rewards on eligible retail purchases ( defined as dining, grocery, gas, cable, phone and utility bill payments ) during the first XXXX billing cycles, up to {$450.00} cash back ( a copy of the letter is attached ). When I called to activate the card I was also informed that if I spent {$500.00} in the first 90 days I would receive a {$200.00} cash bonus and a XXXX Galaxy Tab 2 tablet. I received my first statement on XXXX/XXXX/XXXX and did not receive the 5 % cash rewards I was promised. I called TD Bank on XXXX/XXXX/XXXX and spoke to Floor Supervisor XXXX XXXX. I was told that the card had been " coded incorrectly '' so I was only receiving 2 % cash back on " eligible purchases '' ( defined as dining, grocery, gas, cable, phone and utility bill payments made using the card ). XXXX XXXX told me that the account would be recoded and that I would definitely receive the 5 % cash back along with the {$200.00} bonus and tablet. She said that she would call me back in 7-10 business days. I contacted TD Bank again on XXXX and was told that XXXX XXXX had not received a response from corporate and that I would hear back within 5 business days. I received my second statement on XXXX/XXXX/XXXX and again did not receive the correct 5 % cash back on eligible purchases. I spoke with TD Card services on XXXX and was told that XXXX XXXX had still not received a response from corporate and was resending her email to them. At this point I have exhausted my patience.
Consumer complaint received 2016-01-04
Product: Credit card — 
Issue: Cash advance fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XX/XX/XXXX I attempted to close out my Bank of America checking/savings accounts. The representative told me that once all funds were removed, the account would be automatically closed within 90 days. This was not the case, however, and after several more calls and several more months of dealing with representatives, my accounts were not closed even when I explicitly asked the representative to close the account. Ultimately, on XX/XX/XXXX, more than one year after the initial call, my debit card was used for a fraudulent purchase of {$100.00}. On XX/XX/XXXX, I called B of A to complain, file a fraudulent claim and to finally close my account. The representative told me all fees would be waived and I would not be responsible for the charge. The account was refunded, from - {$100.00} to {$0.00}. Finally, on XX/XX/XXXX the checking and savings accounts were closed. On XX/XX/XXXX I received a bill from Bank of America 's credit card unit for the {$100.00} cash advance that was used to make the checking/savings account whole. I called B of A and they told me that the {$100.00} charge would be taken care of and I would not be responsible for that charge. They claimed it was a mistake and that I should not have been charged the {$100.00} cash advance because the XX/XX/XXXX call established a fraud claim. Then, on XX/XX/XXXX, I received another B of A credit card statement with the same {$100.00} charge. The initial cash advance fee had not been taken care of from the XX/XX/XXXX call and I was again being charged for the cash advance from the fraudulent charge. I called Bank of America again on XX/XX/XXXX and told the same story. The representative told me that everything would be taken care of, but to call back in a couple days to ensure completion. I called back on XX/XX/XXXX and, after a 2.5 hour phone call, was told I would have to pay the {$100.00} charge on my credit card and wait to see if I could be reimbursed if the fraud department confirms that it was the result of a fraudulent charge. The representative from the fraud department told me reimbursement would take approximately 90 days. Thus, after a year of trying to close out my account and being stonewalled by B of A, a fraudulent charge occurred on my account and B of A required I pay that charge ( coincidentally they closed out my account right in time to send that charge to my credit account, but not during any of my previous calls ). B of A then failed to rectify the issue and required that I could only be reimbursed for that cash advance once their fraud investigation was completed.
Consumer complaint received 2016-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NE)

I recently got my credit report which showed my credit scores. XXXX and XXXX have gone down XXXX points. I have been trying desperately to reestablish credit since a medical bk and foreclosure as I know how important good credit is. I have over the past 3 yrs purchased a home & opened up credit cards, paying them off immediately. I recently refinanced my home & bought a new car. I shopped around & it is my understanding that I could shop around for 30 days & those inquiries which were for the same thing & done within 30 days of each would only count ONLY as one. Apparently this is not happened according to Equifax. I have several refi inquiries & also auto inquiries which I do not believe has been fed properly to FICO who is determining my credit score. I need to get this straightened out so that my score can improve. The credit reporting agencies say I can not dispute a Inquiry. They say I must contact the company on the report ; find out who made the inquiry ; contact them and either ask them to remove it if it were in error or if it was not authorized by me. I have done this with several. Please note XXXX had pulled my credit on XXXX & XXXX /out my permission They say they will remove same. Others say they ca n't do it..So I am at a loss at what do do as each XXXX is XXXX points and is adversely affecting my credit Note : 1 ) XXXX pulled for XXXX Mortgage XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX for refi within 30 days 2 ) XXXX pulled for XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX within 30 days 3 ) XXXX pulled for XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX Store XXXX/XXXX/XXXX for auto loan -- XXXX had pulled it as well on XXXX/XXXX/XXXX all within 30 days ; Home State Bank which is NOW XXXX Bank had several different inquiries : XXXX Bank had BOTH Credit Bureau XXXX XXXX & XXXX XXXX XXXX XXXX pull it both on XXXX/XXXX/XXXX which seems crazy to have it pulled twice on the same day!!! I just spoke to them They are writing a letter to credit bureaus to have them removed as they did NOT have my authorization to do so after checking their records. 
I am frustrated because I ca n't dispute these with credit reporting agencies, many of the companies I call do n't want to remove them ; I ca n't get help from FICO who is the ones that report the scores ; and I ca n't get help from the reporting agencies who feed the info to FICO -- YET my credit is getting damaged and there is no one to turn to. Please research this let me know how to best proceed and if in fact some of these can be deleted.
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

I 'm displeased with the complete investigation with Experian I have listed inquiries on my credit report that I have no clue why they are on my credit report. I have listed them and attached them to this report. Next, I have item 's on my credit report that was not properly investigated. These collection companies needs to be investigated on why they are even on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX and XXXX.
Consumer complaint received 2016-01-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (FL)

This complaint is in regard to Suntrust Bank and their overdraft practices. Recently, I inadvertently overdrew my account by {$42.00} through XXXX transaction. The next day, several items that had been previously pending cleared my account and I was assessed XXXX overdraft fees for {$36.00}. One the day these transactions cleared, the purchase that overdrew my account was still pending. All of the transactions posted to my account with a positive balance. Suntrust advised that overdraft fees begin the moment the " available balance, '' becomes negative. That is, the balance in the account that changes throughout the day. I had several other items pending that cleared causing overdrafts because of the way they manipulate their processing. I paid XXXX overdrafts for overdrawing my account {$42.00} with XXXX transaction. The total in fees for this XXXX overdrawn transcation is {$320.00}. Suntrust 's practices directly conflict with FDIC guidance, and are usurious to say the least. Suntrust will not refund any overdraft fees, and acknowledged that the fees were assessed even though the account was only overdrawn 1 time.
Consumer complaint received 2016-01-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Revenue Recovery Corporation (KY)

I originally was contacted via phone by a payday loan office calling for an XXXX? I figured they would get the hint when they called my voice mail the message says XXXX, NOT XXXX, that they would figure out they have a wrong number. Now I have a collection agency calling me at least once a month. I never went to or took out any loans with any payday or quick cash establishments. XXXX.
Consumer complaint received 2016-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (PA)

On XXXX XXXX XXXX I paid {$320.00} to XXXX, for internet and cable TV. This payment included an early termination fee, the current monthly fee, and was paid in full to close the account entirely. Around XX/XX/XXXX I was notified by SW Credit Systems INC that XXXX had sent me to collections over the matter of {$82.00}. I immediately called XXXX and was told by a customer representative that the charge was erroneous ( especially in consideration that we had not been contacted once about the bill ) ; I then relayed the ticket number for this erroneous charge to SW Credit Systems INC. On XXXX XXXX XXXX I spoke to another representative of XXXX who stated that the mistake was now on my part and that XXXX would not honor its previous intent of retracting the billing. As of today, XXXX XXXX XXXX, I have paid the bill to SW Credit Systems INC since it has impacted my credit. Additionally, I spoke to a XXXX representative who could not verify why this charge had been generated as an early termination fee if we had not seen any additional charges for XXXX XXXX.
Consumer complaint received 2016-01-27
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ENCORE CAPITAL GROUP INC. (MT)

I recently discovered by viewing my latest XXXX credit report this past XXXX XXXX, XXXX that Midland Funding , LLC had entered a Civil Judgment into my Public Record. I had no prior knowledge of this suit and Judgment since I had not received any service thereof. 

This suit was filed in XXXX XXXX XXXX Court XXXX on XXXX XXXX, XXXX, with Judgment later docketed on XXXX XXXX, XXXX. My issue is this ; I had moved on XXXX XXXX, XXXX XXXX and have resided there ever since at the same address. 

I was fully aware of Midland Funding owning this debt since mid XXXX when I was, at that time seeking assistance from the Law Office XXXX XXXX XXXX XXXX XXXX, XXXX who is a highly rated debt settlment firm XXXX. I have since parted ways with this firm as of fall XXXX due to it 's rather high fees. My wife ( who is the sole wage earner ) and I suffered a significant financial setback in the form of her leaving her job at the end of XXXX due to an abusive boss. 

We had struggled all thru XXXX and into XXXX when we were finally getting back upon our feet, with our finances becoming more manageable. As of this past XXXX XXXX, I then decided to embark on settling our credit debts. I sent XXXX settlement letters via USPS Certified Mail to Midland Credit Management, XXXX for myself dated XXXX/XXXX/XXXX and for my wife 's account dated XXXX/XXXX/XXXX both of which were signed for and picked up, but got no response except for a simple letter ( dated XXXX/XXXX/XXXX ) thanking me for updating my contact info with them. They mentioned nothing about the suit or anything related to it, let alone any information on a judgment. 

Today, Wednesday, XXXX XXXX, XXXX I then made contact with Midland Credit Management and was directed to a woman named XXXX XXXX XXXX ext. XXXX ) who I was informed was handling my account. After speaking with her and some back and forthing, a supervisor then picked up who 's name was XXXX XXXX ( last name was difficult to understand due to his heavy accent ). XXXX he and XXXX sidestepped the issue of the judgment after I referred to it several times and after some discussion, I decided that the conversation was n't going anywhere positive. XXXX kept insisting the full amount of XXXX which included some {$77.00} related to the judgment was to be included in the amount to be negotiated, to which I insisted repeatedly that the judgment was invalid, but she would hear none of it. Their offer was a 40 % discount on XXXX debts, both my wife 's and mine. 

It 's worth noting in my opinion that while my accounts were with XXXX XXXX XXXX debt settlement law firm mentioned above, they were able to achieve a 60 % discount on my XXXX XXXX Bank XXXX XXXX XXXX, XXXX. {$680.00} debt for a total of {$270.00}. They, MCM, were not offering that very same deal at this time, but were very persistent on only offering a 40 % discount.