davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NV)

XXXX XXXX XXXX continues to harass both myself and my family members about a Debt that they refuse to send a debt validation letter to. I have contacted XXXX XXXX XXXX   requesting that they send me a debt validation letter and they refuse to send me a copy of the letter, when i spoke to an agent she was extremely disrespectful and told me a letter was sent out at the beginning of XXXX which i did not receive when asking for them to send me another copy of the debt validation letter as i let her know i did not receive it she refused to send one.
Consumer complaint received 2019-09-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (LA)

I try to file this complaint through XXXX XXXX XXXX whom was services by XXXX XXXX XXXX with XXXX XXXX XXXX. I made payment to XXXX XXXX for over 3 tears when I was employed by the USPS but I left my job on XXXX and couldn't afford the payment anymore I contacted them and ask them for forgiveness of this debt back around 2014 which was removed from my credit report. But now serveral years later XXXX   XXXX XXXX trying to come back on me with a new company name LVNV FUNDING LLC through XXXX XXXX XXXX with a balance over 18000.00 dollars. I will fax the documents over with a bunch of payment I send XXXX XXXX THROUGH THE YEARS. I WILL FAX THEM TO XXXX. Please look out for them.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

After reviewing my c edit report i found two fraudulent sddreseslistedwhich in turn had fraudulent accounts listed. I notified all yhree bureaus and requested thry be removed from my report as they are fraudulent and not mine. They have taken no action and still list the adressesfrom XXXXFL and XXXX AL on my repor causing me harm. Likewise they also refuse to remove unauthorizedaccess and pulls/hitsto mappear on my record. I did not authorize these.
Consumer complaint received 2019-09-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (DE)

Earlier this year, I received a call from someone asking if I could verify myself, I refused so they said they were unable to assist me. I then received another call asking me to verify myself again, I then asked them to verify who I was since they were calling me. I was then told that if I do not verify who I am that they are unable to assist me. About month or so later ( I believe XX/XX/2019 ) I noticed a new negative account on my credit report. So, I was never advised that this was an attempt to collect a debt, nor was I advised that I could dispute this debt, nor was I offered any verification of this debt. I still have this debt on my credit report LISTED TWICE FROM TWO DIFFERENT DEBTORS as if there is more than one account in question. However, I have not authorized any chargers nor have I signed any credit agreements for the credit card debt in question.
Consumer complaint received 2019-09-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc. (CO)

I was served with a Summons to Answer in the third week of XXXX, with no prior notice. 15 U.S. Code 1692g indicates that they must send an initial g letter, and allow up to 30 days for me to respond. I have  no information about this debt. I attempted to obtain information from the original creditor, as claimed, by the collections agency, but stalled, delayed, and given the run-a-round, with no information about this debt has been provided.
Consumer complaint received 2019-09-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RAS LaVrar, LLC (VA)

I set up a payment plan on their online system, and they set up a recurring payment plan without my knowledge, I only wanted to make one payment. I called and they told me to remove my payment information from the online acct, this I did and then another payment was paid to my account, then the following month I noticed that there are two more months showing recurring payments. I called to cancel payments and after waiting over 15 minutes the representative was very rude and said that she would send a email to mgmt and I would have to call back. I asked to speak to a manager and waited for 17 more minutes. I feel this is unfair debt collection as they intentionally have a system that automatically charges you monthly and you can not cancel recurring payments.
Consumer complaint received 2019-09-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Navient Solutions, LLC. (NJ)

I owe money to the State of New Jersey which I agreed to pay. I am in a payment plan of {$200.00} per month. Refund money was applied from federal and state money. Debt originally was {$15000.00} and now is approx {$6500.00}. I lost my job in XX/XX/2019 and informed them about this. XXXX XXXX is my contact person at Pioneer. I have been paying from Unemployment benefits and she keeps calling me when I am a month  behind. I told her that I am actively looking for work. I asked her also to reduce the payment amount and she declined to do it. Today, i received two letters threatening to sue me.
Consumer complaint received 2021-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (TN)

I have sent Chase Bank two certified letters ( XX/XX/XXXX, XX/XX/XXXX, both in 2021 ) to request them to eliminate these accounts from my credit reports asthey are my father 's who died in XX/XX/2021. I have requested an investigation of these accounts and of any proof that these accounts are mine but they have ignored my letters and phone calls. I have recently seen where they have re-aged these accounts so to add extra length to debts that are not mine.
Consumer complaint received 2019-09-16
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)

Transunion is reporting a fraudulent account on my credit report with XXXX collection that does not belong to me. I disputed this account inXX/XX/2019and it was deleted however they reinserted this fraudulent account on my report. In addition, I was never notified by the credit bureau that the XXXX collection account would be reinserted on my report which is a violation of my consumer rights pursuant to FCRA section 611. I am starting the believe Transunion is intentionally being noncompliant and negligent. If this account is not deleted I will be filing a civil lawsuit.
Consumer complaint received 2018-05-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Protection Association, L.P. (AZ)

I recieved a written notice from Credit Protection Association L.P. dated for XX/XX/XXXX. It stated i had 30 days to " pay your service balance or call to set up a payment plan ''. It also states " PAYMENT OPTIONS TO AVOID CREDIT BUREAU REPORTING ''. I contacted them on XX/XX/XXXX, made a payment of {$77.00} and set up payments for the remaining balance. My account is still current with them, yet my credit was notified and the account is now on my credit. I contacted CPA and they informed me to call XXXX XXXX XXXX the initial company i am debted to. I did so and XXXX informed me that CPA would have to correct the error and that they don't know why CPA sent out the notice and reported to my credit before the 30 days stated. A representative named XXXX informed me that it was reported to the credit bureau in XX/XX/XXXX and she confirmedmy payment recieved XX/XX/XXXX. When i asked why i recieved a statement from their company to resolve this before those measures were taken neither the representative nor her supervisor ( XXXX XXXX ) had an answer. CPA was unwilling to resolve this matter and blamed XXXX for the issue, yet on my credit it shows it was reported by CPA. I have the original statement from the company. A confirmation number of payment made to them onXX/XX/XXXX, receipt of my payment from my bank account, and that it occurred all within the 30 days from date of the notice recieved.
Consumer complaint received 2019-09-13
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: Halsted Financial Services, LLC. (NV)

On XX/XX/2019 a letter was sent to the original creditor XXXX XXXX XXXX, to validate the alleged debt they claim I owe them. The original creditor XXXX XXXX XXXX, sent a letter back to me, dated XX/XX/2019 stating that the ownership of this debt was transferred to XXXX XXXX XXXX. XXXX XXXX XXXX was also sent a validation letter on XX/XX/2019 since they are reporting the debt as well but they never responded to my request for validation. 

On XX/XX/2019, I sent another letter to XXXX XXXX XXXX, advising them that the letter they sent was NOT validation of debt, as I have requested, since they are the original creditor. One XX/XX/2019, XXXX XXXX XXXX responded, stating they " addressed the request in a previous communication '' and they were under NO further obligation to provide any additional information and WILL NOT address duplicate inquires in the future ''. The issue will this is that as a consumer, I have the right to ask for validation of the alleged debt that the ORIGINAL creditor is reporting to my credit report, to ensure that the debt is mine and / or reporting correctly etc. Im not understanding how XXXX XXXX XXXX addressed my inquiry in a previous communication? 
What was stated is that they no longer have the debt, however as a financial institution those records should be readily available and to tell a consumer that they will NO linger respond to duplicate inquiries is ludicrous and asinine. 

XXXX XXXX XXXX, obviously CAN not provide the required verification of debt according to FDCP. 

Also, I received a letter from Hasted Financial Services stating that they are the beneficiary of the debt now, however XXXX XXXX XXXX is stating that XXXX XXXX owns the debt AND not to mention XXXX XXXX XXXX is reporting this erroneous information to my credit report but they don't even own this debt!
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received my credit report XX/XX/XXXX and found that someone obtained credit in my name XX/XX/XXXX and applied for numerous amounts of credit so I contacted XXXX and Trans Union and XXXX about several incorrect addresses and unauthorized inquires on my credit report. The last letter sent was XX/XX/XXXX. I want the unauthorized inquires deleted and fraudulent addresses deleted.
Consumer complaint received 2019-09-13
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: Moss Law Firm, P.C. (TX)

I settled 5 accounts 2 XXXX 1 XXXX XXXX 1 XXXX XXXX 1 XXXX XXXX I continue to submit information to XXXX online. Along with documents of settlements and payment being received on XX/XX/2019. The if information has not been removed from my credit report. 

Also. The XXXX XXXX Card Account belongs to XXXX. My initials are XXXX.. The has an account in which they sold to Moss Law Firm. They are saying {$4000.00} was written off & I still owe {$1800.00} the Amount owed continues to increase. I dont understand how this is possible. Moss LAW firm can not be reached. XXXX removed the account but XXXX is not attempting to investigate even though I provided information.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX XXXX # XXXX is reporting an incorrect balance on my account. This account has been settled and paid off and should no longer be reporting a balance to my credit report.
Consumer complaint received 2019-09-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

My financial hardship started inXX/XX/XXXX. Prior to this date, I made every possible attempt to ensure that my monthly mortgage payments are made in a timely manner. However, due to business failure and medical situation I was unable to make my monthly payments. By the time I'm ready to pay the balance due and get reinstated, the loan transferred to PHH/ Ocwen Loan Servicing . Despite all attempts in obtaining a loan modification, as this date, we have received a deceptive response from PHH / Ocwen Financial Services. I have made numerous attempts to reach a representative with PHH / Ocwen Financial Services and have submitted the required documents for a loan modification through US mail and also their web portal. However, due to the lack of communication with a customer service representative and or the Relationship Manager has been a major challenge. Calls are placed on hold for hours and at the end unable to obtain accurate information. Consequently, due to inconsistency with the manner PHH/ Ocwen Loan Servicing conduct business, they denied the request for the loan modification incorrectly. As of this date, they are ignoring the appeal for the loan modification denial using incorrect income, family income that contributes to helping with the housing expenses and incorrect property value. I have disputed the inaccurate NPV input chart and yet again my request has been ignored. It will be devastating to lose my home when I have to care of my XXXX children and XXXX XXXX senior citizens that will consequently be displaced should we lose our home. I just feel like, PHH/ Ocwen Loan Servicing is motivated to take my home.
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

The creditor listed below have been notified and state they are not re-reporting any of the information listed on the credit file, but Equifax keeps re-reporting the items listed below after removing them years ago as a result of identity theft. Between XXXX and XXXX, Equifax removed at it leisure, the accounts listed below after receiving all the legal documents necessary to prove identity theft. After removing the items, years later in XXXX, Equifax reinserted the items listed below without even notifying me before doing it. After contacting Equifax to correct the issue, their employee tells me i have to file a dispute on these item that have been reinserted into my credit files years later. This practice by Equifax is illegal. The accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Notice for Proof of Claim Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ToWhom it may Concern : This is a complaint submitted Under OHIOLAW U.C.C131912 Taking Assignment of Debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, under LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2018-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have contacted Capital One in reference to my buypower credit card account ending in XXXX. They stated there is a charge on my report from XX/XX/2018 from XXXX XXXX. I advised the rep, a supervisor, and a Manager that the charge is incorrect. I also advised that card has not been used over a year and that XXXX XXXX is not my electric company. Because of this erroneous and fraudulent charge on this account, I advised this needs to be updated immediately because it is showing 60 days past due. The manager stated they will credit my account, but will refuse to send information over to the credit bureau confirming that this account is not pass due and it should of never reported pass due because the charge is incorrect.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at XXXX U.S.C XXXX ( a ) XXXX ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : { 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 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  - REMOVE INQUIRY } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. THANK YOU, XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX
Consumer complaint received 2023-11-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC (OH)

I got behind on the mortgage in XXXX, sent a payment of {$17000.00} dollars to catch up account, which never got applied and placed in another area at Rocket Mortgage Company, then in XX/XX/XXXX applied for mortgage help from Ohio Housing Finance Agency, they returned a letter saying i'm eligible but Rocket Mortgage did not send the required documents to OHFA or myself until XX/XX/XXXX, letting the amount due increase, also I applied for a Mortgage assistance application with the mortgage servicer and have not gotten any response, also Rocket Mortgage still have not sent successor in interest documents to OHFA and claiming for over a year I didn't send the correct information to them which is clearly listed on the property deed for me to get the financial help available.