davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-26
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Financial Accounts Service Team Inc. (TN)

Was contacted by an employee of the Financial Account Services Team ( " FAST '' ) on behalf of debt owed to XXXX ( " Creditor '' ). Was told by the employee that unless the balance was paid in full immediately, a judgment would be filed. Told FAST the money being requested would not be able provided and would need to make payments on the account. 

Employee indicated " it was time to stop playing games and that FAST had tried calling many times to resolve the debt. '' Told employee was unaware of the collection efforts but agreed the debt was valid and would make payments if FAST agreed to such ( and not file a judgment ). Employee stated, " XXXX XXXX, payments will not be accepted and it is time to stop playing games and pay the balance in full, otherwise a judgment will be filed. Stop being ignorant. '' Told member such language would not be tolerated and hung up. 

Contacted the Creditor and explained the circumstances. Creditor indicated a call would be made to FAST to see if any arrangements could be made. Received a call from the Creditor indicating FAST had agreed to make payments. Creditor also apologized for the inappropriate actions of the employee of FAST. 

Immediately contacted the employee of FAST to schedule payments and was forwarded to another employee. Employee set up payments and apologized for the actions of the other employee. Told FAST that the initial employee was no longer allowed to call again. 

It is my understanding this type of language is a violation of section 806 of the Fair Debt Collection Practices Act, as it is inappropriate to call a consumer ignorant. Per the Federal Trade Commission Staff Commentary on the Fair Debt Collection Practices Act : Section 806 -- Harassment or Abuse Section 806 prohibits a debt collector from any conduct that would " Harass, oppress, or abuse any person in connection with the collection of a debt. '' It provides six examples of harassement or abuse.
Consumer complaint received 2016-03-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

We filed for chapter XXXX bankruptcy and during this payment plan our GMAC loans were sold to Ocwen. In XXXX 2014, we completed our bankruptcy payment plan which also included an adversary proceeding for our XXXX mortgage with ocwen. After everything was completed and filed with the courts, we received a notification of payoff from Ocwen on the XXXX mortgage and our note stamped paid. Now, we are attempting to close on our house and find out that ocwen did not record the lien release with the county. We have attempted to contact Ocwen 2 times, the title company has attempted 4 times and we do not get any return phone calls or action. We are now facing, not being able to close on our home because of Ocwen.
Consumer complaint received 2016-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (SC)

XXXX XXXX I feel strongly the following may be hurting my credit because it BELONGS TO SOMEONE ELSE WITH A SIMILAR NAME. THIS NEEDS TO BE REMOVED FROM MY CREDIT REPORT ASAP. 

XXXX XXXX This is a formal request for investigation of this account 's account name, account type, and account balance. I believe this information may be inaccurate. Immediate removal of this item is required of you.. 

XXXX XXXX I feel strongly the following may be hurting my credit : account name, account type, and date of last activity. I believe this information may be inaccurate. I need this removed immediately. 

XXXX XXXX This is a formal request for investigation of this account 's date of first payment, credit limit, and account number. I believe this information may be inaccurate. Immediate removal of this item is required of you. 

XXXX XXXX I feel strongly the following may be hurting my credit : date of first payment, credit limit, and account number. I believe this information may be inaccurate. I need this removed immediately. 

XXXX Account XXXX Please run a full investigation on collection including the account name, account number and type of collection and delete this collection for it 's errors. Because it does not match what it says in my records. 

XXXX Account XXXX Can you please review the responsibility and current amount of this collection. I do not think it 's a 100 % accurate and remove this item immediately from my credit report. 

XXXX XXXX I XXXX This item is in dispute because I believe the date of opening and date of last activity is not a 100 % accurate. Please remove this collection immediately for it 's inaccuracies. 

XXXX XXXX I XXXX I would like you to review this collections status, original amount and balance. I think it 's not 100 % accurate and remove this collection immediately from my credit report. 

XXXX XXXX I XXXX Can you take a look at and review the collection type and number because it does n't seem right and remove this item immediately.
Consumer complaint received 2016-03-26
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation (VA)

Husband received XXXX and had to move. Contacted XXXX ( originator of loan ) and was told that mortgage qualified for XXXX short sale and I needed to work with PHH who now owned my loan. PHH loan specialist mislead ( in writing ) that our first and second mortgage was covered in closing documents and that this was a XXXX short sale. The closing documents also misrepresented this fact. A few months after closing, XXXX creditors came at me stating loan was not included for which I continued to pay on for over 2 years. PHH put in writing that this was indeed 'all included ' only to retract after the fact. Now after almost 5 years, we applied for a mortgage loan and was told that it was not a HAFA but a regular short sale and that we do not meet the criteria. All communication to date has stated otherwise. This has been extremely XXXX and frustrating. And to top this off - the Title Company now wants the money from the 2nd mortgage payoff.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Company emailed me notice that they do not intend to investigate because they do not believe I authorized the inquiry In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The information and Accounts listed below have violated my rights. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Consumer must get three disclosures before personal information is disclosed to a non affiliated third party 1. Names disputes- XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) - XXXX  XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) XXXX. Address Disputes- Address ID # XXXX - Address ID # XXXX Single family - Address ID # XXXX Single family - Address ID # XXXX Multifamily - Address ID # XXXX Multifamily - Address ID # XXXX Apartment complex - Address ID # XXXX Multifamily - Address ID # XXXX Apartment complex - Address ID # XXXX Employer Dispute : XXXX. Current Employer - XXXX XXXX XXXX Account Dispute - Account XXXX XXXX  XXXX : Incorrect Status and balance Request immediate deletion - Account XXXX : XXXX  XXXX  XXXX  15USC6801 request immediate deletion - Account : XXXX XXXX XXXX  XXXX balance and status. Request immediate deletion - Account XXXX XXXX XXXX XXXX XXXX : Incorrect account status and balance. Resolved account request immediate deletion - Account XXXX XXXX Possible Finance : Incorrect status and Balance request immediate deletion - Account XXXX : XXXX XXXX  XXXX status and balance. Request immediate deletion - Account XXXX XXXX XXXX : incorrect balance and status : request immediate deletion - Account XXXX XXXX XXXX : incorrect balance and status : request immediate deletion - Account : XXXX : XXXX NO CONTRACT request immediate deletion - Account XXXX XXXX  incorrect balance and status : request immediate deletion - Account XXXX XXXX XXXXXXXX VIOLATION : request immediate deletion - Account XXXX XXXX XXXX incorrect balance and status : request immediate deletion
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

On XX/XX/year> I sent XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
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. (AR)

In accordance with the FCRA, ( XXXX, XXXX, Equifax, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681c- ( a ) ( 4 ) Except authorized, NO CONSUMER REPORTING AGENCY may make any consumer report containing accounts placed for collection or charged to profit and loss. I have the list of Accounts that I will post here! ( XXXX XXXX  XXXX account # XXXX but for XXXX showing account XXXX XXXX which is also INACCURATE REPORTING ) I am Attaching identity and proof of address.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. Your agency is in violation! 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-27
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. (FL)

Company emailed me notice that they do not intend to investigate because they do not believe I authorized the inquiry In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The information and Accounts listed below have violated my rights. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Consumer must get three disclosures before personal information is disclosed to a non affiliated third party XXXX. Names disputes- XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) XXXX. Address Disputes- Address ID # XXXX - Address ID # XXXX Single family - Address ID # XXXX Single family - Address ID # XXXX Multifamily - Address ID # XXXX Multifamily - Address ID # XXXX Apartment complex - Address ID # XXXX Multifamily - Address ID # XXXX Apartment complex - Address ID # XXXX Employer Dispute : XXXX. Current Employer - XXXX XXXX XXXX Account Dispute - Account XXXX XXXX XXXX : Incorrect Request immediate deletion - Account XXXX : XXXX XXXX XXXX XXXX request immediate deletion - Account : XXXX XXXX XXXX Request immediate deletion - Account XXXX XXXX XXXX XXXX XXXX :. Resolved account request immediate deletion - Account XXXX XXXXXXX XXXX XXXX : request immediate deletion - Account XXXX : XXXX XXXX Request immediate deletion - Account XXXX XXXX XXXX  : request immediate deletion - Account XXXX XXXX XXXX  : request immediate deletion - Account : XXXX XXXX XXXX XXXX XXXX request immediate deletion - Account XXXXXXXX XXXXI incorrect balance and status : request immediate deletion - Account XXXX XXXX XXXX XXXX  : request immediate deletion - Account XXXX XXXX XXXX  : request immediate deletion
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

Collection agency name : Pro Collect Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account number : XXXX and XXXX Your NAME : XXXX XXXX Your address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of th
e debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2015-07-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: MAS FINANCIAL SERVICES, INC. (CA)

I bought a XX/XX/XXXX Chev Colorado at XXXX XXXX XXXX XXXX ( aka XXXX ) in XXXX XXXX on XX/XX/XXXX. Today is XX/XX/XXXX and I have called them, gone to see them and sent them numerous emails regarding the tags for the car, and to date have received nothing. Also, 2 months after I got the truck the engine 's gone bad. I have paid my pymt each month to the lender, but the dealer has given the 'too bad, so sad ' about the truck not working. The repairs of the engine are almost {$2000.00}, so the truck has sat parked in my driveway since late XXXX. They have been very unresponsive about the tags. So now Im supposed to pay for a truck for the next 5 years that only worked for 60 days after I bought it? I find this such an injustice and what burns me is that I 've had to constantly call them about the tags and the dealer 's last response to me was 'well at least you cant get in trouble cuz you cant drive the truck til its repaired anyway ' ... .really?! That just shows their complete lack of empathy for their customer! I 've been dealing with a jerk at their dealership named XXXX XXXX and another guy ( speaks with an XXXX accent -- he wouldnt tell me his name ). Their DMV rep told me back in XXXX that she 'd get the tags and correction of my address on registration taken care of in about 15 days ... .its been over a month without a reply from them. My issue is not with the lender, but with the dealership.
Consumer complaint received 2015-07-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NV)

We are in the process of a short sale and the lender XXXX Wells Fargo XXXX has denied providing us a copy of the appraisal completed on XXXX/XXXX/2015. The lender actually informed us that due to it being an internal report and not for credit we cant receive a copy. They are clearly violating CFPB guidelines that state any means used to determine a property value are to be supplied. This seems to only happen when our value is good and the lender is trying to fraud the seller. We previously received copies on XXXX/XXXX/2015, dated XXXX/XXXX/2015. We sent in a value dispute package on XXXX/XXXX/2015 and the lender requested a new appraisal XXXX/XXXX/2015 completed on XXXX/XXXX/2015 the new value {$55000.00} down from the original appraisal of $ XXXX.Here is the file timeline:XX/XX/XXXX : short sale was XXXX : called spoke to XXXX XXXX Presidential team said they do n't give out copies as they paid for it, desktop value $ XXXX completed XXXX requested copy via XXXX : called spoke to XXXX XXXX XXXX, XXXX requested copy of BPO & fax XXXX : email XXXX XXXX, processor/negotiator requested copy of BPO & sent MLS XXXX : XXXX emailed me the address where to send request copies of Appraisal, fax/mail sent, Counter received at $ XXXX : MLS rebuttal emailed to XXXX XXXX XXXX XXXX Loan Adjustor Spec XXXX XXXX XXXX XXXX Executive Office called stating the appraisal sent via mail on XXXX : mail rcvd desktop appraisal $ XXXX dated XXXX : Value Dispute Package XXXX, XXXX, : email req XXXX : email rcvd XXXX XXXX ( Loan Servicing Specialist XXXX asking for loan # XXXX : email rcvd XXXX XXXX he ordered new XXXX XXXX XXXX XXXX XXXX : 3 faxes sent & mailed Req copies of XXXX : XXXX Executive Offices called copy will be sent out next XXXX : email req update from XXXX XXXX, called WF XXXX XXXX XXXX XXXX left VM XXXX called WF CS spoke to XXXX ID # XXXX transfer me to XXXX XXXX XXXX XXXX full appraisal done & got it back on XXXX came in $ XXXX : email XXXX XXXX update? Called WF spoke to XXXX ID # XXXX resent XXXX : email rcvd/reply XXXX XXXX asked for buyer highest/best I said buyer came up $ XXXX : fax rcvd Ltr SS withdrawal due to not rcvd docs on time by XXXX XXXX in Liquidation Servicing XXXX, emailed XXXX XXXX he said he did n't send withdraw but file is open with him. Need buyer XXXX : XXXX XXXX WF escalations called she is unable to send copy BPO due to it being internal use and not for credit I said per CFPB yes, will file complaint, 3 faxes/mail sent req 2nd copy of BPO XXXX mind you she called me on XXXX & XXXX previously and told me the copies were sent out for desktop appraisal )
Consumer complaint received 2015-07-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

For the past several months there appears to be an extra charge on mortgage statement of {$32.00}. I contacted my mortgage company several times about this ( Greentree Mortgage ). And every single time I call, their representative gives me a different excuse for that charge ... i was told its a late fee ( their late fee is {$26.00} ), I was told I over paid XXXX month and because of that their system now thinks thats my new monthly payment, i was also told that years ago my previuos mortgage company did an inspection and thats what that charge is for. I even spoke to a supervisor who told me that there was an error in the billing, however all those customer service representative said to disregard that and that it would be corrected. After months of calling them and getting different answers I 'm still getting this charge and no one can correct this. I even sent an email to the company. Just on XXXX I called XXXX times got no where, XXXX person I spoke with transfer to someone else who then put me on hold while she research the account then hung up on me while I was waiting for her on hold. I feel there 's a mistake on my account and no one wants to correct it because whenever I call their customer service rep does n't understand my account, puts me on hold and then they all give me a different reason for that charge. By the way my monthly statement does not give a reason for that charge.