davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-16
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Specialized Loan Servicing Holdings LLC (CA)

After the past several years of XXXX, starting at the height of the subprime mortgage crisis, my wife and I have been through hell with our property in XXXX. Everything from a neighborhood turning into a criminal wasteland because of everyone walking away from their bad investments, to wasting our money on lawyers and loan mitigators, to our home eventually being foreclosed upon. Somehow the foreclosure was not the end of the story. A debt collector, Specialized Loan Services, has been attempting to collect a large sum of money from us. 

In short, we began with XXXX, ended up with XXXX XXXX XXXX, and now Specialized Loan Services ( although according to real estate records our home has been foreclosed upon ). Our problems started in XXXX while I was on XXXX. We walked away in XXXX due to a significant increase in crime in our once respectable condominium community ( and a 60 % drop in value of our property ), and rented a house in a safe neighborhood in XXXX. There was no way I 'd leave my wife and daughter in such a failed and unsafe community that our XXXX neighborhood became. 

This year after returning from another XXXX, we learned our property was foreclosed upon around XXXX, and are still being hounded by the debt. This has severely impacted our credit reports and have further professional implications as well. I have n't had time to tend to this problem until now. We need some help! 

Please let me know if you need further data. I have a tons of documentation that include the Trustees Deed of Sale.
Consumer complaint received 2015-07-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (GA)

I have already written to this company about a year ago asking that they cease from contacting me about an alleged debt for medical that took place in 1998. I was only XXXX and not responsible for my own health care at the time therefore this ca n't belong to me. Also, I do n't understand why they are attempting to collect from me again when I sent in written request for proof and verification that this account belonged to me. I did n't receive anything and now I am receiving another letter.
Consumer complaint received 2015-09-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

There is a public record on my TransUnion credit report from " MINNESOTA FEDERAL COURT. '' There is no recorded judgment from this creditor. I have disputed in the past with TransUnion, and it has come back verified. I went on to request that TransUnion provide me with the method by which they verified this public record, and they have repeatedly failed to provide me with any such information.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2015-07-17
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (FL)

I use paypal to sell XXXX online. For every sale I enforce customer ID confirmation for identification verification and fraud protection. I traded with a specific customer in the months of XXXX through XXXX, during this time I collected numerous selfies and ID pictures of the user along with IP information to prove their Identity. They were also been shipped XXXX to her verified paypal address prove their identity. 

This user later contacted paypal making a claim that their identity was stolen and the transactions were unauthorized. However after submitting ID information and IP information for review by paypal their specialists determined that the claim was in fact false and all of the transactions were authorized. At this point the money was returned to my account. A week later paypal then claimed that all of these transactions were reversed through ACH reversals made through her bank. The reversals were in total almost {$12000.00}. They then requested that I pay for the entire amount. They placed my account on hold, taking all of my funds and preventing me from continuing any of my business transactions. This effectively removed me from having a job and I was given no opportunity to respond to this new set of reversals. 

I requested the names of the banks that the reversals were made from but they refused to provide me with the bank information and refused any information I offered for the case. This left me with no way of combating the disputes with paypal and absolutely no evidence that the bank reversal claims were even true. Paypal said that I was not eligible for protection because XXXX are an intangible good. However XXXX are unique goods in that unlike other intangible items, such as music, videos or software, they are not a copy being sold but instead an actually item that was delivered to the buyer. This meant that I lost 100 % of the product I was selling along with the money from the sales. In addition to this, all of the sales were completed using the XXXX website which provides tracking and proof of delivery for all online sales. However paypal rejected this information. 

Paypal did not even attempt to fight this fraud or give me the opportunity to fight it myself despite the compounding evidence against this other user. I believe that at the very least I should be provided with the reversal documents as proof that they were even made. Hiding the personal information of the user who made the reversal would be acceptable but providing no proof at all is not. Paypal is allowing people to commit blatant fraud and theft while not only doing nothing about it but also actively preventing me from helping myself.
Consumer complaint received 2016-01-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Please be advised that we applied and were approved for loan modification by Bank of america after a year of processing. 
The documents were sent to us and the cover sheet says important to have documents back by XXXX XXXX XXXX we used XXXX to track and they were confirmed back at bank of america on XXXX XXXX XXXX we waited and aprox a week later new documents came to us that said you must re do the loan mod documents as the notary is not correct. we went again had notarized and returned by XXXX on XXXX XXXX before the due date XXXX we did not hear back and then we started to call we spoke with nice woman XXXX daily at bank of america XXXX she stated, recorded. " this happens all the time bank of america is very particular. she sent a new set of documents. they did not come. we called spoke to XXXX our single point contact he sent XXXX more packages. on XXXX XXXX XXXX we received XXXX LOAN MOD PACKAGES all at once at large mailbox we direct all large packages to go to, our regular mailing address. nothing was received at any other address. we immediately noticed that the cover sheet said docs back to them bank of america by XXXX XXXX, so this would be impossible. as it was now the XXXX of XXXX XXXX we went to branch of bank of america this time and spoke to asst to mgr XXXX his name XXXX, every fine and we should come back monday the first appt with XXXX at XXXX XXXX XXXX XXXX we did. signed. she notarized and returned docs XXXX we were then contacted by bank of america and called and spoke to XXXX XXXX she was very abrupt and said you are denied because you did not return the docs on time. she would not discuss further. we are filing this complaint as we made the XXXX payments required by bank of america for loan mod and we returned the documents as quickly as was humanly possible. we are not at fault here and we wish bank of america to honor its commitment.
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-11-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX XXXX ; or share my credit report with XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.
Consumer complaint received 2015-12-23
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (WI)

I refinanced my home & was given funds to make a principal only payment on my 2nd mortgage. My 2nd mortgage is with PHH Mortgage. I make my regular payments to this company through my bank bill pay system. If you want to make an additional principal payment you must submit a check & a payment coupon. The regular payment ( from my bank ) was received by PHH on XXXX, the check I sent for principal only received XXXX. Because the check was processed first they took my regular payment out of that & applied the remainder to principal! When my bill pay payment came, they applied it to XXXX! When I was trying to talk to the agent this morning, she said that is the way it goes & I told her that no, the bank needs to reverse the payment for XXXX & apply it to XXXX & credit my account for an additional $ XXXX in principal payment. This company has been completely difficult in all dealings for about 10 years. What, if anything can I do? They say this " reversal '' can take up to 30 days!
Consumer complaint received 2015-06-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (MI)

I have had a few of my student loan collectors call numerous times a day. Is there a way to stop this. I see no reason why they ca n't call just XXXX time per day and leave XXXX message. I am told that it does this because the calls are on an automated system. Most of these loans are for financing my schooling with University XXXX XXXX.
Consumer complaint received 2016-01-06
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

repeatedly called me, my wife, my daughter about a debt i had problem paying. Threatened to come to my office, sue me, contact my HR office, and shouted and belittled me. 
Portfolio Associates of VA is a corrupt organization. 
I have contacted the company that I had purchase the items with and started repaying directly to them. 
But nothing stops Portfolio
Consumer complaint received 2024-10-02
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. (IL)

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.

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 2015-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Fidelity National Financial, Inc (CO)

We purchased a home in XX/XX/XXXX ( XXXX ) - which was previously a short sale. All liens were supposed to be released by the title company XXXX ( now owned by Fidelity Title Co ). When we refinanced in XX/XX/XXXX we found out that the liens had NOT been released and that XXXX liens totalled {$1.00} mio. ( # XXXX lien : XXXX, # XXXX lien : XXXX, # XXXX lien : XXXX mio ). We were able to clarify the XXXX smaller liens but the largest liens has not been removed. The lien holder will not release this lien as the previous owner owes still so much money that they have not much else to leverage and therefore want to hold on to our home. XXXX/Fidelity Title has refused to take any action as we have officially not sustained any " damages ''. Recently, the lien holder threatened to foreclose on our house. While the title company assures us that we are insured in the amount of the purchase price ( what about the equity that we have built up in the mean time? ), it is very disturbing that they have not released the lien when it was supposed to be released. This now, threatens our family to lose their home with no fault of their own. I am horrofied. Whenever you purchase a home, please make sure that all previous liens have been properly released.
Consumer complaint received 2016-01-09
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

Portfolio recovery started with phone calls stating they would seek litigation if I did not settle/pay an amount they were trying to collect. They did seek litigation and asked for summary judgment. I requested verification of debt and at first they provided nothing and said they did on second filing. Then provided affidavit from one of their employees stating she had personal knowledge of debt and affidavit of bulk sale of accounts on or about XX/XX/2011. They were granted judgement based on this and now trying to garnish my wages. They added on summary judgment a plus pre-judgement interest of XXXX
Consumer complaint received 2015-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (MA)

I am trying to stop my foreclosure date XXXX XXXX 2015 because i think because i have file a previous complain they got mad and issue me with forclosure notice. they told me today that my circumstances having being change since i have apply and that is not true i started i have rented out XXXX room which is now bringing in XXXX. XXXX extra dollar per week.please help me to stop foreclosure so i can resummit my application.
Consumer complaint received 2015-06-01
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (AZ)

My XX/XX/XXXX statement arrived and upon review I had noticed charges that I did not make. Futhermore, I only made XXXX purchase. Second, I contacted the company and they stated they would dispute the Item. I made only XXXX purchase at XXXX time. Then stored the card. I made the XXXX purchase to help build my credit. This has been a on going problem with many different companies, That is why I am tell you about this to maybe stop this trend or whom ever is doing this.
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I have been experiencing ongoing challenges while trying to honor my agreements with my lender, i.e., discrepancies in the amount indicated on the company 's website vs. what is actually owed, the ongoing receipt of Past Due Notices in spite of making all of my agreed upon payments on time, the mistaken report to the credit bureaus regarding my payments and finally, hours and hours spent on the phone with the company 's representatives without resolution.
Consumer complaint received 2015-12-21
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: National Enterprise Systems, Inc. (MN)

My cell phone number - and my brother 's - is not associated with my mother, nor does she give it out. However, a XXXX XXXX from the National Enterprise System has attained our cell phone numbers and repeatedly called with claims about our mother 's debts. We have clarified that we are not the people to speak to and that he legally must mail her information because she has no idea who this company is or what they are calling about. I have called their compliance department to complain and was sent to a voicemail. I have yet to know if they actually received my voicemail. I am complaining because someone else 's debts are not my concern and I am very upset that our numbers were found and used in an illegal manner.
Consumer complaint received 2016-02-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Credit Karma (FL)

I 'm XXXX years old. I have a full time steady job and make XXXX. I pay no rent and do n't have many bills, I 've been trying to get a car for a while but my credit score always says XXXX not bad or good but just XXXX I need help I really need to get a car I have money for the down payment and monthly payments I just need some sort of credit to help me
Consumer complaint received 2024-11-22
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. (TX)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2016-03-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc. (TX)

I paid off my Conn 's accounts, ( XXXX account paid on XXXX/XXXX/XXXX, other XXXX accounts paid on XXXX/XXXX/XXXX ) and they are still reflecting a balance to the XXXX major credit reporting agencies. 

I have written Conn 's and they sent me a direct letter back stating they are all paid in full and closed. At the same time I initiated a Dispute with the credit bureaus and they stated that Conn 's verified the balance being correct. 

This is a violation of the FCRA, FACTRA, and FTC guidelines and needs to be addressed. If they are doing this to me ... who else is a victim. 

Please assist me in bringing this company 's practices into the light for the world to see. 

XXXX SEE PAGES XXXX & XXXX to see the balances still showing** **ALSO ATTACHED IS THE LETTER SENT BY CONNS REFLECTING THE PAID STATUS IN XX/XX/XXXX BEFORE THE BUREAUS CONTACTED THEM**
Consumer complaint received 2015-12-21
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Short sale occurred. XXXX. Credit report shows short sale, but we are being turned down by XXXX XXXX as they are showing foreclosure, and saying XXXX of the XXXX credit bureaus are showing it 19 months ago not 32. We are renting and our lease is up soon and now we may be without a home due to a reporting error that Bank of America did.
Consumer complaint received 2016-01-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (TX)

I requested a validation of debt with the collection agency Hunter Warfield when I received a bill for {$510.00}. I advised them that I did not owe XXXX and that I would like all charges verified and explained. I received a letter from credit agency dated XXXX/XXXX/XXXX stating that they received my request for verification of debt and needed more time. THe letter clearly states they will suspend collection activity and credit reporting until they can properly validate the debt. Months passed with no contact or validation. On XXXX XXXX I received a call from the agency attempting to collect the debt. This agent had no record of my request for validation. I advised the collector I received a letter from them acknowleding my request for verification of debt, he asked me if i had a copy of the letter they sent me. I told him yes, but to look in his records if he needed to verify it. I advised the collector that by the Fair Credit Reporting Act they had 30 days to respond and did not, and that per my letter he was not supposed to be attempting to collect on the debt. This agent proceeded to threaten me that he will ruin my credit if i do n't agree to pay. I advised him to look at their records and it will clearly show I requested a Verification of Debt. He repeatedly just asked so you are refusing to pay the debt over and over. I continued to advise him I am not refusing to pay and it was an invalid debt that was disputed with their agency months prior to his call. He continued to disregard what i was telling him about violating the FDCPA and that he could not act like this was the first collection call regarding the bill. I told him by law their time passed and even on the call he could not provide the information I requested 4 months prior. I advised him to research his records and to stop calling me because he is in violation of several laws. The agent hung up on me. A few weeks later I noticed the collection account on my credit report. I sent the agency a certified letter, which they signed for on XXXX/XXXX/XXXX. I advised them they did not validate the debt and that is was not a valid debt to remove from my credit report immediately. I advised them on the treatment from their agent and all the laws they have violated. I informed them that the bill went from {$510.00} to {$2200.00} and that was falsifying information to my credit report. I received a 2nd bill from them dated the same day XXXX/XXXX/XXXX but with the new amount {$2200.00} that again was not itemized of the bogus charges. As of today, almost 6 months later, they still have not responded or removed the account from my credit reports.