davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-30
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Brock & Scott, PLLC (GA)

I received a Notice to Foreclose on court house step for XXXX XXXX, XXXX. The notice is dated XXXX XXXX, XXXX from Brock & Scott PLLC. On XXXX XXXX, I sent a Dispute for the Foreclosure Notice requesting Brock & Scott PLLC to identity who they are, such as a holder in due course, a creditor, etc., and who authorized or gave them the authority to foreclosure along with a list of other questions I needed answered. Brock & Scott is a XXXX party debt collector and do n't have standing to foreclose. I asked for payoff information as well. On XXXX XXXX, XXXX, I received a copy of the security deed ( stamped original ) and a bad copy of the " Note '' and the accounting that I never asked for. None of the other questions were answered. Under the FDCPA it states foreclosures must be done in a judicial court. They are threating to sell my property on the courthouse steps on XXXX XXXX, XXXX. The lender listed on my paperwork is XXXX. XXXX did an assignment in XXXX to XXXX, but XXXX was bankrupt and no longer in existence in XXXX. How is that possible?
Consumer complaint received 2016-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION (TX)

I just received notice that my mortgage is being sold by Stonegate to XXXX as of XX/XX/XXXX. I have read reviews of XXXX which make them look crooked and fraudulent. There is not one good review. I take pride in my credit and am very uneasy about this. Is there anything I can do to prevent this sale?
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2016-11-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: R.M. Galicia, Inc. (CA)

Progressive Management Systems continue to call on a debt that I never occurred in 2010. They say they are the holder for a debt for a payday loan that occurred in that year. I have mentioned that I did not obtain a payday loan during the time they specified. 

I have also told them three times now that I have had all past debts discharged in Federal Bankruptcy Court out of XXXX XXXX in 2010. They continue to harass me by calling my mobile phone multiple times. 

My bankruptcy lawyer was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PHONE : XXXX FAX : XXXX
Consumer complaint received 2016-01-11
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Mandarich Law Group, LLP (WI)

I defaulted on a XXXX XXXX XXXX credit card because I did n't have enough income to pay it. They sold it to XXXX XXXX XXXX and for several years I paid $ XXXX/ month on it. Then the IRS, who is auditing our personal accounts, asked for verification of the debt and the interest charges along with the end of the year disclosure that they needed for verfication. I passed IRS 's request along to XXXX XXXX XXXX, and I never heard from him. No I am hearing from some company named XXXX ( sp? ). I can not understand their debt collectors. They have refused to give me any paper back up to what they are telling me. I asked them for the same information for the IRS and only receive more telephone calls.
Consumer complaint received 2015-06-03
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (CO)

Asset Recovery Associates said I have a XXXX debt from XX/XX/XXXX ; I filed bankruptcy in XX/XX/XXXX ; Collection company says this debt is not recognized by the bankruptcy but my lawyer says it is ; Collection company says they are going to place leans and garnishments if I do n't pay XXXX immediately. The loan was paid down to XXXX from the original XXXX yet the collection company says I owe XXXX if I do n't pay XXXX by the end of the phone call. This company has been reporting this debt to the credit companies. They also ran a credit check on me during the phone call without my permission.
Consumer complaint received 2022-11-10
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: Experian Information Solutions Inc. (IL)

Per 15 USC 1681, credit transactionS should not be included on a credit report THIS IS BY LAW A VIOLATION XXXX XXXX AND XXXXXXXX XXXX  AND XXXX XXXX HAVE PUT LATE PAYMENTS ON MY CREDIT REPORT WHICH IS ILLEGAL. 

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. I HAVE BEEN HARASSED BY BOTH OF THEM.

So i'm going to keep this simple. 

THESE ARE TO BE REMOVED IMMEDIATELY FROM XXXX XXXX AND XXXX AND XXXX XXXX OR YOU CAN LET THEM KNOW IM COMING AFTER THEM IN COURT FOR LOTS OF MONEY PLUS THE {$1000.00} FINE PER VIOLATION. 

I WILL ALSO MAKE AN ADDITIONAL REPORT ABOVE THE ATTORNEY GENERAL
Consumer complaint received 2017-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: The Regional Adjustment Bureau, Incorporated (IL)

I obtained several student loans to attend school. I defaulted on these loans after graduation. The loans were transferred to Regional Adjustment Bureau , Inc. ( " RAB '' ) who began contacting me in XXXX. In XX/XX/XXXX, I entered into a loan rehabilitation program with RAB. I made a large down payment in month XXXX and then made XXXX more consecutive on-time payments. On XX/XX/XXXX, I completed the loan rehabilitation and the loans were sold to a creditor. RAB provided no information on the individual loans. Instead, they provided a single amount owed and treated my situation as if I had only XXXX consolidated loan. 
After the rehabilitation closed, I was not provided any information by XXXX as to where my loans were going to be transferred. I was contacted by XXXX as my new loan servicer. So I began making payments to XXXX in XX/XX/XXXX and have been on-time ever since. 
In XXXX, however, I was contacted by a debt collection agency stating I was in default on XXXX of my loans. After reviewing the Dept. of Education 's FSA site, there was indeed a loan in default. XXXX had no record of ever receiving this loan from RAB. RAB has not returned any of my emails and calls seeking information as to where they sold the loan in question. However, it is clear that RAB failed to properly transfer my loan. I was never notified by RAB or anyone else as to where the loan was transferred to. I never received a single letter or phone call about the loan until XXXX. In short, my loan was 'debt parked. ' As a result of RAB 's failure to transfer the loan properly, failure to provide me with any notice of transfer, and failure to provide an accounting of loan balances, I was given no indication of a pending problem and the loan has incurred immense interest charges on top of the capitalization of interest originally agreed to with RAB in XXXX. 
In summary, RAB has greatly harmed me through its conduct. RAB capitalized its high collections fees into my loans, failed to properly transfer XXXX of the loans, failed to notify me of any transfer of the loan at issue, and failed to provide detailed information as to where the loan at issue was transferred. It is not clear what happened to the loan at issue, but it clearly " fell through the cracks '' after RAB 's failure to properly transfer. As a result, interest has accumulated for years without warning.
Consumer complaint received 2015-11-23
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Consolidated Management Group, LLC (IN)

I was called by a collector but they refused to give me an address or the representative 's last name. They threatened to prosecute me for fraudulent activity and had information from a loan with " XXXX XXXX XXXX ''. The payment was over double what I had borrowed. They also said someone was coming to my house to deliver a " package '' after calling my employer and daughter for my address. I was intimidated and knew I did owe money so I released my personal checking information and authorized an immediate {$500.00} withdrawal and {$380.00} installments biweekly for XXXX more installments. They refused to send me anything in writing and said I would have the transaction ID. I only have a toll free number and was informed the company was located in California. Do I stop payment on the next installments? I am very uncomfortable and fear this is a fraudulent company. Nothing about the lending institution or collector is on my credit report.
Consumer complaint received 2015-05-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Receivable Management Services LLC (TX)

XXXX XXXX has billed me for a course I signed up for. I paid the money. They later sent me a invoice for additional payment for continuing education. I told them I did not want additional education and they sent it to an outside DEBT COLLECTOR. ( RMS The Receivable Management Services Corporation. I think this is a scam!
Consumer complaint received 2016-10-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I am once again having a issue with the way that this finance company handles accounts. I have a vehicle loan with this company and it seems that they are more interested in taking car back than assisting customers. I have had this loan and worked very hard to get my account caught up. Once it was caught up I was injured at work and needed to miss payment while waiting for short term payments to start. I called to see if my payment can be deferred to the end of my contract or held for a month until payments started and no one at company was willing to help. The only reply I get from them is that my car will be shut off and picked up.
Consumer complaint received 2023-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

Dear Sir/Madam, I am writing to follow up on my recent dispute regarding the collection account that is appearing on my credit report, account number XXXX. I am disappointed that your investigation did not result in the removal of this inaccurate and damaging information from my credit file. 

As I previously stated in my dispute letter, I did not open this account or authorize anyone to use my personal information to do so. It is clear that my identity has been stolen and fraudulently used in this case. Your assertion that I entered into a loan agreement with XXXX XXXX XXXX XXXX XXXX is simply not true. 

Furthermore, the inaccurate reporting of this account has caused significant harm to my credit score and my ability to obtain credit, in violation of Section 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau 's ( CFPB ) Bulletin 2013-1. It is also in violation of 15 U.S. Code Section 1681b and Section 604 ( a ) ( 2 ) of the FCRA. 

I request that you immediately remove this fraudulent and inaccurate information from my credit report, as required by law. I am also requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report, in accordance with the FCRA and CFPB guidelines. I expect your prompt response within 30 days of receipt of this letter. 

Please be advised that your failure to comply with the FCRA and CFPB guidelines will result in further legal action against your company, including but not limited to the pursuit of all available remedies under the law. 

Thank you for your attention to this matter. I look forward to a prompt and satisfactory resolution. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1, Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 1681s-2 ( a ) of the FCRA
Consumer complaint received 2017-01-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (NJ)

XXXX XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX Email : XXXXXXXXXXXX Consumer Financial Protection Bureau ( CFPB ), I regret that I feel the need to contact you again regarding my PHH Mortgage. ( My mortgage # is : XXXX ) ( My CFPB case # is : XXXX ) You responded to my initial inquiry on XX/XX/2017 and I am extremely grateful for you much needed assistance. 

After many, many calls to PHH to try and get my mortgage back to it 's 21 year status of non-escrow I continue to face road block after road block with PHH. No matter how many times I call, wait and wait on hold and talk to someone it is clear that NO ONE is willing to get me out of the Escrow status which I am unable to pay and back into the Non Escrow status which my income can pay. 

I even took the time to drive down to the PHH headquarters in XXXX today and was met with the same disdain. Seems that I can take the time to drive there and that they are more than willing to take XXXX upon XXXX of dollars from me BUT can they see their way clear to actually having a person come down and talk to me to rectify this problem ... NO! Security gave me a number to call and while I thought it would be to a person in the building I merely got the same prompts and wait times that I would have gotten from calling from home. ( For the record I gave them a check for my normal payment of {$650.00}. ) Let me be clear : I am not 6 months behind in my mortgage, or 4, or 3 etc. and have never been. I WANT to pay my monthly fee as I have for 21 years and I want to pay my taxes at the end of the year as I have for21 years. I have been crystal clear to PHH that I ca n't pay the increase that an Escrow designation warrants and need to be placed back on a Non Escrow status to afford my monthly payments. And, why would they send me their Home Owner Assistance package with a designated Case Manager, implying their awareness of my financial woes, and then change my account to Escrow which clearly increases the monthly payment. How wacky is that? 

I have been MORE than patient and cooperative and quite frankly am tired of waiting, 4, 7, 10, 20 or even up to 2 hours to speak to someone who wo n't take any action on my situation anyway. 

I await your valued advice and hope that your intervention will change my Escrow mortgage back to a Non Escrow, manageable mortgage once again. 

My Sincerest Thanks, XXXX XXXX XXXX
Consumer complaint received 2016-03-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (MO)

We have filed a complaint against our mortgage company twice on this website. The first time we got no response from anyone! This time we received a response from the President 's office of our mortgage company. To date, they have put us off twice already saying they are " researching our file ''. We have an attorney and have sent the required paperwork XXXX times for help and assistance.Today we received a letter from PHH 's attorney saying they are recommending foreclosure. No help and NO acknowledgement from them. Now more money will be tacked onto our account for their gross errors for their attorneys fees and that doesnt ' even include ours!!!!!! This game has to stop!!!!!! They take our money and give us NO credit to our account for it or they send our payments back to us. They say they are sending paperwork to us but do n't. They called and offered to allow us to pay {$720.00} a month and a reduction in principle, we agreed, then they never sent paperwork to us. Now they are not following through with that offer. They promised paperwork after a forbearance plan, no paperwork arrived. This is a big game to them but it has to stop now!!! This Bureau source has been no help to us so we are moving on up the ladder. This is a horrible injustice to us and others like us and has to end now!!!
Consumer complaint received 2015-12-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Columbia Recovery Group LLC (WA)

I am continually being harassed by a Debt Collector who has charged me with miscellaneous charges from my former landlord. 

I am in dispute with my former landlord over their refusal to return unto me my security deposit for the sum of {$2100.00}. They are also charging me above and beyond my security deposit of {$1100.00} plus interest for alleged damages. 

I have asked repeatedly for proof of this collection notice and alleged damages and neither the landlord or the debt collection company has provided any, yet they continue to harass me with threatening phone calls while assessing additional fees charged to me. 

I have carefully documented my departure of my former residence and the lease agreement, which I was in full compliance with. 

The Residential Landlord Tenant Act of the State of Washington, required landlords to conduct a Move in Inspection and written checklist, with the tenant at the time of move in. Because the landlord did not do this, I am demanding my security deposit back in full. 

RCW XXXX specifies that the landlord is liable to the tenant for the amount of the deposit, and the prevailing party may recover court costs and reasonable attorneys ' fees. 

RCW XXXX requires all landlords in the State of Washington to refund all security deposits within 14 days of vacancy from the tenant. Since I had given notice and which was indicated by the amended lease agreement that I would be vacating the premises prior to the termination of the lease, my former landlord had ample time to refund the security deposit and or send a written letter indicating why they are holding it back.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2016-11-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

On going disputes with BSI Financial Services ( prior complaint case # : XXXX ). 
BSI charged me {$1200.00} for flood insurance that I already have. They even state in their letter that they received confirmation of flood insurance. I also had the same issue with the prior mortgage server XXXX XXXX. My flood insurance expires XXXX XXXX of every year so why are these companies buying flood insurance prior to expiration? Since BSI took over my mortgage XXXX XXXX, 2016, I have constant issues with them. I called them numerous times lately and the answer I now receive is that they sold the mortgage and they can not resolve any past problems. Enclosed are are two years proof of continuous flood insurance. It is apparent that BSI is abusing their customers and are getting away with it.
Consumer complaint received 2022-11-10
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. (RI)

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. 

XXXX XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX 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 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.