davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc. (CO)

In 2014 I became a victim of Identity Theft. a family member stole my identity and bought a car. I found out a few years later and tried to call the dealership to find out more information only to find out they went out of business. I have never had this car, I have never bought it, only my name was used in the sale. XXXX XXXX sold this debt to NCB MANAGEMENT SERVICES who now is reporting me to all three credit bureaus XXXX, XXXX, XXXX. They claim I owe them {$4000.00}. I do not owew them a penny and will not pay them anything!. I do need the professionals behind me to help me in this fraudulent claim that NCB XXXX claims I owe. I have researched NCB only to find out they are a predator corporation that destroys peoples lives. I will not become their victim. This is my complaint I am a hard working person who is honest about everything. I need help desperately fighting this collections monster who preys on honest hard working people.
Consumer complaint received 2020-02-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation (GA)

I am a victim of identity theft and there are accounts that i have disputed with the companies and credit bureaus by sending in my fraud packet that included my FTC Report, Police Report, FCRA, Credit Report, etc. The accounts are attached. XXXX XXXX, Bridgecrest, and XXXX XXXX original credited XXXX XXXX.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regards to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-01-30
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IN)

My mothers mortgage was transferred from XXXX to PHH Mortgage. In XXXX we received foreclosure papers stating that the property taxes had not been paid. We sent PHH the receipt that the property taxes were paid on XX/XX/XXXX. We then received notice that they also paid the taxes and started foreclosure on the property even though they had no reason for default. They charged us XXXX in attorney fees that have not been cancelled. They eventually credited us for the property taxes they charged her account for. During this time my mothers home flooded and we received a insurance check that PHH was holding. PHH received XXXX. We had demolition completed on the property with XXXX in the amount of XXXX in XXXX. The PHH inspector came out and authorized the release of the initial funds. We called several times and did not receive a check. We had to pay out of pocket because XXXX was going to put a lien against the property. Phh was supposed to release a check in the amount of XXXX. We called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX and sent emails. On XX/XX/XXXX we requested by email the funds to complete the work. My mom did not have personal funds to complete the work. We were told the check was lost and they would reissue the check. We finally received the check in the end of XXXX. We completed all of the work and kept in constant communication with PHH. They informed us that they had her account under Covid relief and her home would be safe. They then filed foreclosure against her on XX/XX/XXXX. XXXX, my mother passed away on XX/XX/XXXX. We had all repairs completed by the end of XXXX and ordered the final inspection which was completed by PHH on XX/XX/XXXX. The inspector turned in his report and this should have closed out the file. I also sent them the personal representative papers so they could contact me in regards to the work and foreclosure. We went to mediation and they are still suing my mother for repairs which are complete. They sent a letter on XX/XX/XXXX for a status update on the repairs. I would think that sending the inspection report and pictures that their inspector signed off on in XXXX would be sufficient. I have asked several times for 6 months to sell my mothers property and I can not get a response. We also requested 3 times a payoff and they never mailed it and claimed they had the wrong email. This is a direct RESPA violation. PHH should refile the claim against myself since my mother is deceased. I also am requesting all attorney fees be waived since we complied with all of their requests from the beginning, They lost the documents yet proceeded with their predatory lending against an elderly individual. As of XX/XX/XXXX PHH 's portal still shows that the claim is not complete. They still owe us {$3500.00} in insurance money and will not respond. I have all supporting documents if you need this.
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have been trying to get this negative information removed from my credit report regarding XXXX XXXX and Experian since XXXX of 2018 about a past due balance from a old apartment that I do not owe. I have sent numerous certified letters to try to get this issue resolved to no avail. Due to their negligence, I have been denied a mortgage refinance loan from XXXX mortgage company and a personal loan from XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-01-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: YSA ARM LLC DBA Oxygen XL (FL)

Amount {$1000.00} collection company : Oxygen XL I closed down my business in XXXX XXXX after I closed business, i got notified from the merchant company that a client disputed a charge of {$100.00}. the business was closed all workers left, i couldn't pay that back to the merchant company. 
the merchant company sent my debt to Oxygen XL collection co., i was charged {$1000.00}. 
this is incredible ripped off. 
they also sent to my credit report. the debt was from an LLC, it can't be reported to my personal credit report.
Consumer complaint received 2023-01-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Colony Brands, Inc. (NY)

Impacted my life terribly XXXXXXXX XXXX XXXX with the supreme of new York. Has violated Federal Credit Laws.

Not even my account. I took correct action they tried to steal my social security information when I was really young.
Consumer complaint received 2023-01-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Colony Brands, Inc. (NY)

Impacted my life terribly Lawsuit in progress with the supreme of new York. Has violated Federal Credit Laws. 
Not even my account. I took correct action they tried to steal my social security information when I was really young.
Consumer complaint received 2023-01-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (MO)

Approximately 2021 mid late summer I had a loan modification completed, which I asked to refinance so that my payment could be lowered they told me that wouldnt help because my interest rate was low and I wouldnt be able to get that rate again. Then XX/XX/2021 I had a change of jobs with my income lowering and again they stated that refinancing my home loan in attempts to lower my payment because at this point it was choosing which bill to not pay to be able to pay mortgage, because a I didnt qualify for forbearance. I work in XXXX XXXX and for the first time got XXXX  was out of work 2 weeks but beings it was a new job I didnt have enough PTO built up to cover my absence and was not able to return to work until cleared by employee health to return working. Up to that point I had been current on mortgage. But once hit that bump everything seemed to spiral down from there with unexpected financial drains such as having to replace tires on my car due to flats, totaling of a car, another car being taken, washer and dryer going out, plumbing issues that couldnt wait, having to pay child care when I asked what could be done they stated I could do a short sale but I would lose money, I was told I couldnt do a forbearance I wouldnt qualify and I couldnt do another modification because it was too close to the last modification ; mind you this was my place of residence. It led to filing bankruptcy to help get things caught back up, but when it didnt work as planned due my employment not carrying out a work order to re-filing and since so close automatic stay was lifted. The statement given for it to be lifted were false information stating taxes were not filed but they were, that I listed I payed an attorney more than I did but I never entered that information. When I called in attempts to get a reinstatement figure or amount owed they wouldnt give me this information. When I called the lose mitigation number I was transferred several times until finally someone that could speak to me when trying to figure out how they could help me to save my place of residence they stated the computer system wouldnt let them go forward and they had no clue why. I asked for more time in attempt to complete a short sale but the lender still to no avail has not postponed my foreclosure auction long enough for me to apply.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (FL)

I received a loan from the company XX/XX/2020 during the pandemic when my family lost everything. I was not working and the company was advised that and I paid them in full ; more than the initial loan that they gave me. Upon paying the loan the company told me that they would mark my account paid in full with no late fees but instead marked me down as settled. I literally paid them way more then they first gave me. I had disputed before and still no resolution from them. Please help.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

I am being charged for items I do not have. I have contacted XXXX XXXX  and Synchrony about these charges. With no help. I have asked for proof of purchase to be sent to me including name and signed invoice or delivery slip. Which after waiting for 30 days I have not received until XXXX XXXX which does not belong to me! I am XXXX XXXX not XXXX XXXX this is a fraudulent charge and according to my rights I want it removed immediately from my credit. I spoke with XXXX at XXXX XXXX on XXXX XXXX who confirmed in the begging of our conversation that the items are returned/refused.
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (NC)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2019-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

XXXX/XXXX / {$790.00} / {$2000.00} / {$1200.00} Opened XX/XX/XXXX This was open fraudently and I have reported it numerous times and Equifax has it on my credit file now as closed and it needs to be deleted. 

XXXX / ACT # XXXX / Opened XX/XX/XXXX {$7700.00} This was open fraudently and I have reported it numerous times and Equifax has it on my credit file now as closed and it needs to be deleted. 

XXXX / ACT # XXXX / Opened XX/XX/XXXX $ XXXX {$180.00} This was open fraudently and I have reported it numerous times and Equifax has it on my credit file now as closed and it needs to be deleted. 

Inquries that are due to Fraud! I have not been able to get into my Equifax Credit report for some time now and it is because every time I call I can not get into the file with an agent because of all the Fraudlent items opened on my account that I am not able to verify because they are not mine! I was finally able to go online and see my report and as I thought all types of fraudlent things are there. Over 20 inquiries that I sent in a dispute for on XX/XX/XXXX and they most likely will not delete them as usual. It is runing me from purchasing things that are needed to survive in life. 

Inquiries : Fraudulent! 
XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ftc violations attached Fair Debt Collection Practices Act Great Seal of the United States Long title An act to amend the Consumer Credit Protection Act to prohibit abusive practices by debt collectors.

Acronyms ( colloquial ) FDCPA Enacted by the 95th United States Congress Citations Public law Pub.L. 95109 Statutes at Large 91 Stat. 874 Codification Titles amended Title 15 U.S.C. sections created 15 U.S.C. 16921692p Legislative history Introduced in the House as H.R.5294 by XXXX XXXX XXXX XX/XX/XXXX Passed the House on XX/XX/XXXX Passed the Senate on XX/XX/XXXX with amendment House agreed to Senate amendment on XX/XX/XXXX ( ) Signed into law by President Jimmy Carter on XX/XX/XXXX United States Supreme Court cases Sheriff v. Gillie , No. 15-338, 578 U.S. ___ ( 2016 ) Henson v. Santander Consumer USA Inc., No. 16-349, 582 U.S. ___ ( 2017 ) Rotkiske v. Klemm, No. 18-328, 589 U.S. ___ ( 2019 ) The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ]
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Related complaint # XXXX XXXX XXXX XXXX has replied to my complaint by stating that they will no longer report this item on my credit report. They have however notified me that it will take 60 days for the credit bureaus to update their records.
Consumer complaint received 2020-02-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

I tried making a dispute with the credit bureau about this account on my file. 
With no luck. I now turn to you to assist me validate this debt collector and any legal obligations I have to this account. 
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Debt Validation Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX WA XXXX XXXX : Account # XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Consumer complaint received 2020-04-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (CO)

My name is XXXX XXXX and I was recently laid off because of the COVID-19 Pandemic. I filed for unemployment with the state website and was approved. I was never issued a new card issued by the unemployment program, instead, they used a card that they issued me back in 2015, which of course, I no longer have and have not used in years. The unemployment department admitted the mistake and told me to contact the bank who issued the card and I could report it lost or stolen. The unemployment department and US Bank ( issuers of the prepaid debit card ) are so inundated with phone calls, there is no getting thru to a live person and be issued a new card. This situation has put me in a financial disaster and there is almost nothing I can do about it until the phone lines are free. The unemployment department made the mistake, admitted it, and I am left to deal with it. I can not access the money that has been paid to me. I really don't know who to turn to at this point.
Consumer complaint received 2020-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: COAST PROFESSIONAL INC (CA)

Around XX/XX/2020 I contacted my employer to see if the stoppage of my student loan wage garnishment would be reflected on my XX/XX/XXXX paycheck. Employer stated they had not received any notification from the loan holder that the wage garnishment was supposed to be stopped. My employer suggested I contact the loan servicer to see if I can get something emailed to me and if so to email it to the employer. I contacted Coast Professional Inc and asked about a letter that will stop the wage garnishment on my pay due to the CARES act signed on XX/XX/2020. My loan servicer stated that the US Department of Education is the one who is supposed to send out a letter to my employer. So far I have continued to receive these wage garnishments even after US Department of Education put a 60 day hold on the wage garnishments and 0 interest and after the CARES act went into affect. I have not been able to find out how to get a copy of this letter and expedite the process to my employer. I also want to know what the process is for receiving a refund of those wages that have now been unlawfully garnished.