davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Servatus Corporation (CA)

With no notification, as is required by the FCRA and FDCPA, and 2 years after being filed as a charge off ( in full, without " sold to another lender '' status ), I had a collector contact me, AFTER reporting me to all XXXX credit beureaus. When I told them the request was illegal, that they had no proof of standing, and that I wanted the matter dismissed, I was threatened with a lawsuit. The company in question is Credit Solutions Corp. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX.
Consumer complaint received 2015-04-14
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ECMC GROUP, INC. (FL)

I have been battling ID Theft for over 5 years now. The only part that will not resolve are federal student loans that ECMC has been garnishing my wages ( at XXXX point it was 25 % weekly pay ) and seizure of my tax refund. They have not responded to either of the XXXX lawyers that I hired or any other attempts that I have made on my own. I have proof with a police report AND that the loans were signed electronically without my authorization ( also includes a false address on the signature page ) but ECMC will not review anything to do with my case since it is easier to take the money from me. I am a single parent and the only financial support for myself and my child and as a result of ECMC refusing to cooperate, I am in extreme financial hardship. I want this ID Theft with the student loans to go away and all of the money that ECMC has garnished over the past 5 years to be returned to me.
Consumer complaint received 2016-02-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: IQOR US INC (CT)

I was scammed on my XXXX credit card by someone I met on line at a dating site called XXXX. I have sent all this information to XXXX Credit Card and they will not forgive the amount of money I was scammed. I live only on Social Security and can barely make ends meet. XXXX has been harassing me for this money and they have turned me over to a debt collection agency. I have reported this to my local police department, Internet Crime Complaint Center, the Federal Trade Commission, And now to you the CFPB.
Consumer complaint received 2015-06-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (KY)

In XXXX 2015, I received a notice from a company named XXXX XXXX , XXXX stating that I owed a debt to XXXX. I called this company and also XXXX and reported that I do not owe this debt as I had never sold anything on XXXX. I also reported this to the local police as a case of potential stolen identity. In XXXX I received an email from XXXX claiming they were reviewing this claim. 
On XXXX XXXX, 2015 I received a letter from another company named Allied Interstate LLC claiming I still owed XXXX a debt. Apparently XXXX allowed someone to link to my account without proper verification and now wants me to pay for their incompetence. 
I have already spent a great deal of my time attempting to resolve this issue. With my personal time and cost of consulting my attorney, this has cost me over XXXX times the amount that is claimed that I owe ( {$89.00} ). 
This has become quite an ordeal as well as generating a great deal of stress on me and my family. I am physically ill and I am concerned that this will adversely affect my excellent credit score ( + XXXX ) that I have spent a lifetime maintaining. 
I have attempted to describe this situation as briefly as possible. I have spoken with the debt collector, XXXX and XXXX. I have also spent time making police reports, consulting with an attorney and responding to emails from XXXX. I believe that they are purposefully attempting to " beat me into the ground '' in their attempt to collect a debt that is not mine. I have also spent time researching this and discovered that anyone can link to your XXXX account without appropriate identification. I am shocked that a company such as this operates in this manner. They also do not cooperate with police agencies as they have thrown many bureaucratic hurdles in front of the investigating officer. 
Thank you for reviewing this complaint. I believe it is a microcosm of a much larger and systematic pattern of illegal practices by XXXX. Most people probably pay rather than deal with this abuse.
Consumer complaint received 2015-04-06
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (FL)

I was traveling abroad. I contacted the credit card office to inform them thatI am unable to pay online because I did not have secure internet connection. 
And I requested to allow me more time to send the payment as soon aspossible. However they reported my account as late to the credit agency.
Consumer complaint received 2015-09-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (TX)

On or around the XXXX 2015 my mortgage company Seterus advised me that my payment for XXXX had been returned for insufficient funds. I contacted my credit union and they confirmed the payment was paid and not returned. Seterus advised me to fax a copy of my bank statement to show this, which I did. They then advised it would take 30 days for them to do research. I called each week to check the status and continued to make my monthly payment. Each time I called they also advised me that they were reporting negatively to the credit agencies and would reverse it pending research results. I continued to wait and called them back on/around XX/XX/2015. They then advised they made a mistake and it was n't the XXXX payment that was missing, but was the payment from XXXX. This would be six months later. I shared my disappointment with them. How could a company wait six months to say they are missing a payment? I was then advised I needed to send my XXXX statement, which I did and I still have no resolution to the issue. They now tell me it will be another 30 days which would be 7 months since they claim I missed a payment. Some reps at Seterus say they are reporting negatively to the credit agencies and others have said they are not. The rep I spoke to last advised she could n't even confirm if the XXXX bank statement I faxed had been received. So I guess I have to assume that it has. Each time I call I get different information. The handling of this situation seems too unethical and unfair to me as their customer. I 've made my payment each month. I 've given them the proof they need to show that and they still have not resolved the issue. It is also ridiculous to me that a regulated financial company would not realize they were missing a payment until 5 months later-which in reality I paid. The service I 've received has been horrible and the different information on every call does not lead me to believe they will ever solve this issue and I will have no other recourse, but to hire an attorney and spend money to show I 've already paid them. I do n't feel like I should have to make my payment twice because they have poor book keeping. I need help please.
Consumer complaint received 2016-02-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (TX)

Disputed information with Equifax regarding a XXXX XXXX credit card disputing to late payments : XXXX - XXXX, XXXX - XXXX. In speaking with agent, I asked at what point will these late payments cease to have a negative impact on my credit score provided by Equifax ; the score provided to the consumer and the score provided to a potential lender. 

XXXX agent disconnected the call. XXXX agent had to escalate to a Call Center Supervisor. Unfortunately, the Call Center Supervisor did not directly answer the question. Instead, explained that a potential lender has the ability to utilize multiple scoring models from each Credit Reporting Agency. Then, placed the responsibility the potential lenders and the score cards used when evaluating a consumer for credit.
Consumer complaint received 2016-12-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC. (MS)

XXXX is misrepresting itself by continuing attempts to collect a debt I do not owe. They have now changed their name on my credit report to Wakefield & Assoc. XXXX XXXX which is the same address as XXXX. XXXX. deleted this fraudulent collection account on XX/XX/2016 and the same day the affiliate Wakefield was on my report about the same account that was verified by XXXX that is not mine which is why XXXX rec deleted themselves from my report. This is false, disceptive, and misleading practices by these companies. That 's why I contacting CFPB, the FTC, the states attorney general and the better business bureau to inform them of this unfair practice by XXXX. and Wakefield & assoc. from XXXX, TN. Revenue added this on my credit report XX/XX/2016 and it was removed because no such debt exist, then XX/XX/2016 this {$240.00} amount was added back. I disputed again and it was removed again and now XX/XX/2016 their affiliate Wakefield is attempting to collect on a false debt they know does not exist. I need these companies to be held accountable for their false practice and I want other consumers to be aware of unfair practices such as this so they will not be a victim of bullying by a debt collector such as XXXX. and Wakefield and Assoc. I want this company to stop harassing me and trying to collect on a debt that does not exist and to accept that and stop trying to be vindictive in ruining an innocent consumers credit.
Consumer complaint received 2022-08-16
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2022-08-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2016-07-22
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Specialized Loan Servicing Holdings LLC (NJ)

My sister and Brother in law filed Chapter XXXX on XX/XX/XXXX. On XXXX XXXX, I attempted to settle a $ XXXX dollars mortgage debt since i signed the mortgage documents - with Specialized Loan Services. I was made aware of the past due/collections trough my credit report. The company never attempted to collect from me in the past nor showed late on the report. They asked me for $ XXXX to settle on XX/XX/XXXX, I tried negotiating and each time the amount gest higher and higher. Now, I have the $ XXXX and they wo n't accept it. I am paying the debt being that I did not file for Chapter XXXX and I want the lien to be removed.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently submitted a complaint stating that i did not give any consent for this account to be furnished on my credit report and asked for it to be deleted, but instead of deleting it the company just " updated '' the information. I did not give any consent or permission for this account to be furnished so i want to know how it was " updated ''. I believe the investigation was done incorrectly. Im asking once again for this account to be deleted before i have to take legal actions. I have never been contacted or asked in any form or fashion to have this account furnished on my credit report, so whatever information was updated is incorrect. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 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. 

Not only are they violating my rights but they are also breaking the law. They listed a remark on the account stating this meets FCRA requirements but once again that is incorrect because i did not give written instructions for this account to be furnished.
Consumer complaint received 2015-07-09
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CA)

I email chase and ask them to explain why my payment due for XXXX/XXXX/2015 were marked " corporate advance paid. '' I also asked Chase to change " corporate advance paid '' to " payment '' to reflect my payment to them. They refuse. XXXX XXXX of Chase response was : '' On XXXX XXXX, 2015, we received your payment of {$32.00} and applied that payment towards your corporate advance fee on XXXX XXXX, 2015. '' I am confuse about this term they are using since I do not know what it meant and if my payments are debited correctly. XXXX XXXX, 2015, started my new payment since my mortgage is " interest only. '' The website has not changed the old amount ( {$720.00} ) to a new one $ ( XXXX ) so I paid my mortgage {$720.00} short by {$32.00}, but paid it on XX/XX/2015. My payments were marked as " corporate advance paid '' as shown here:XX/XX/2015 PAYMENT $ XXXXXXXX/XXXX/2015 CORPORATE ADVANCE PAID $ XXXXXXXX/XXXX/2015 CORPORATE ADVANCE - $ XXXXXXXX/XXXX/2015 PAYMENT $ XXXXXXXX/XXXX/2015 CORPORATE ADVANCE PAID $ XXXXXXXX/XXXX/2015 CORPORATE ADVANCE $ XXXXXXXX/XXXX/2015 ARM ADJUSTMENT {$0.00}.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently check my Transunion report and it shows an unauthorized Credit Inquiry made from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. 

While checking my personal credit report, which I acquired from [ Transunion ] noticed an inquiry made by the company on XX/XX/2017 I did not authorized anyone employed by the company to make an inquiry and view my credit report. it have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. 

I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 30 ) business daysso that I can verify its validity
Consumer complaint received 2016-03-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I am XXXX years old and SLS has lied to me and is trying to sell my home even though they have a complete package and are reviewing me for a modification. SLS confirmed that they have a complete file but no point of contact has been assigned to the case and they are not placing the sale on HOLD. 
Additionally, XX/XX/2015, I had explained to SLS the hardships that I endured due to my illness and increased medical expenses and they promises to lower my interest and then next thing, my home is in foreclosure. I am XXXX years old and have been in this home for 26 years and this is where I will die. I do not want to be a burden to the state or other tax paying citizen. I AM WILLING to pay my mortgage and had they kept their promise last year I would be paying a mortgage and not facing foreclosure in two days. Now, for a week they have had a full modification package and are reviewing me but are not placing sale on hold or postponing. Please help me as I have no one, All of my family is dead. I worked hard all of my life and SLS should not be allowed to kick out XXXX citizens into the streets especially after promises were made and after they are blatantly failing to comply with CA homeowner bill of rights.
Consumer complaint received 2016-05-20
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Platinum Holdings Group, LLC (TX)

On XXXX/XXXX/2016 I was told by my immediate supervisor at my employment that I needed to contact XXXX XXXX where I work he had a message for me. When I did he gave me the call back number. He also told me person on the phone wanted to serve me with paper about a legal situation and he was promptly told he could not come on the property and was told not to call back. Then on XXXX/XXXX/2016 he called again 3 times. He was not put through the first time. The second time the lady in central control put it through and I told him not to call me at work ever again. He called back again and was rude and used a threatening to the lady in central and she hung up on him. Then on XXXX/XXXX/2016 he left a message on my cell phone saying this was the last and final warning before the file proceeded. I then in turn called the XXXX XXXX XXXX Department and the detective placed a call to the number and he answered the phone and said law firm. He would not divulge anything to the detective without a file number and the number the call was placed to. After research this is not a law firm it is a debt collection agency, An attorney from Alabama has sued this company for the very same thing. Then come to find out he has been calling my sister on her cell phone at her employment and he did this also on XXXX/XXXX/2016.
Consumer complaint received 2016-12-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pressler & Pressler, LLP (NJ)

I received a letter from Pressler and Pressler in regards to a credit card debt owed to XXXX Bank. Where I had a XXXX Card, my balance was {$XXXX}. I wanted to know how I allegedly accrued that balance. I made a phone call to Pressler and Pressler on XX/XX/XXXX. This call was to dispute the charges. I requested a copy of the original bill. This information was never sent. Pressler and Pressler has all of this information documented. They continued onto getting a judgement filed against me and they garnished my wages for {$620.00} which was paid in XXXX. I now have a judgement on my credit report for a debt that has not be proven to be mine. My credit report also has the original creditor, XXXX Bank listed with the debt written off has the card Lost or Stolen.
Consumer complaint received 2022-08-16
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. (IL)

XXXX XXXX XXXX Account # XXXX was NEVER late. Account # XXXX is reporting numerous late when it was NEVER late. Transunion failed to correct these lates numerous times & delete this account off my credit report.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

The credit bureaus are reporting two credit cards on my account. I did not give these company 's my social security number or permission to use and share my information. They have violated my rights as per 15 U.S. code 1681 ( a ).
Consumer complaint received 2017-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: AFNI INC. (WA)

I received a call regarding a debt which is not valid. The debt collector stated, and repeated, then confirmed that if I did not pay this debt I do not owe, or provide information from my insurance company, they would file a complaint with Washington State Department of Licensing to have my license suspended.
Consumer complaint received 2016-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MA)

I bought my house in XX/XX/XXXX for XXXX, put XXXX down and pd XXXX for 15 years totaling XXXX. My mortgage went from XXXX to XXXX to XXXX to Chase and just got sold to XXXX XXXX XX/XX/XXXX Chase raised my mortgage from XXXX to XXXX. I called and faxed Chase w no response. In trying to resolve this w Chase they consistently put my house in the paper to auction but never auctioned it, only humiliated and embarrassed me. I enlisted XXXX and XXXX XXXX to help me resolve this. XXXX took thousands and XXXX tool there share and than disappeared. I did a declaration for XXXX XXXX from the Federal Trade Commission. Chase put insurance on my house from XXXX to present charging me thousands. I have so many fees on my loan and have paid almost XXXX dollars for and they now say I owe XXXX. I have a XXXX page letter and XXXX attachments. I need someone to help me pls as Chase just sold me to XXXX XXXX who is threatening to take my house.
Consumer complaint received 2015-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: GLENN ASSOCIATES MID-ATLANTIC, INC (DE)

Glenn Associates representative contacted me and asked if i was aware that XXXX XXXX had entered a judgement against me i said no and that it was impossible because it was an old debt, she continued on to tell me that they have twenty years to do so. She stated that i should look on public records with the account numbers. I have not been served with any papers and their tactics are bogus.