davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Todd, Bremer & Lawson, Inc. (FL)

I was contacted this morning at approximately XXXX XXXX. by an individual who identified himself as XXXX XXXX. He called my office and identified himself to my assistant as an attorney who was interested in talking to me about XXXX XXXX XXXX ( my XXXX  XXXX ). My assistant transferred the call to me and when I asked him how I could help him he indicated to me that he was an attorney. I XXXX XXXX myself and thought I somehow knew him. 

He stated the language informing me that he was a debt collector and that he was collecting on a debt. He then proceeded to ask me about an incident that occurred at the University of XXXX XXXX ( XXXX ) approximately two years after I no longer volunteered there as an XXXX   volunteer with the XXXX XXXX XXXX for the local chapter of the XXXX. I indicated to him that I had no affiliation with the chapter and haven't been involved with them for several years and was not involved in the local chapter or the housing corporation in any way. He stated that I am somehow responsible for a debt. I told him to contact the XXXX XXXX with any questions or their lawyers and he said that he has already done that and that they are passing responsibility onto me. I then asked him for his contact information and informed him that I was reporting him to my XXXX  XXXX and to the CFPB for improperly contacting me and he basically said go right ahead. My concern is that he contacted me at my place of employment and that he was very brazen in the way that he spoke to me which I felt was harassing in nature. As such, I would like to report him at this time since he misrepresented himself to my assistant by indicating to her that he was an Attorney and made it sound like he was affiliated with my XXXX  XXXX and somehow was acquainted with me. I felt that his tactics were misleading and deceptive and very concerning and that they violated the Fair Debt Collection Act in the way that he conducted himself. 

His contact information is as follows : XXXX XXXX of Todd Bremer Lawson ( Debt Collection Agency ) with a phone number of XXXX based on the number that he gave me. However, when he called he was listed as a local number from XXXX, FL which was also misleading as he is based in South Carolina. Their physical address is XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX. 

Please investigate this matter to the fullest to protect others from this type of collection activity. Thanks! 

XXXX XXXX XXXX
Consumer complaint received 2018-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I SOLD COMPUTERS TO SOMEONE AND FUNDS WERE SENT TO ME VIA GIFT PAYPAL PAYMENT METHOD ON XX/XX/XXXX. ON XX/XX/XXXX, THE BUYER INITIATED A CHARGE BACK VIA HIS FINANCIAL INSTITUTION ( AMEX ) AND THE FUNDS HAVE SINCE BEEN ( AND STILL ARE ) REMOVED FROM MY ACCOUNT. THE TOTAL AMOUNT IS {$17000.00} - ON XX/XX/XXXX, THE PERSON WHO INITIATED THE CHARGE BACK LET ME KNOW THAT I IN-FACT HAVE WON THE CHARGE BACK FROM XXXX ( XXXX  RULED THE CASE IN MY FAVOR - SEE ATTACHMENT ) - I CALLED XXXX ABOUT A WEEK AFTERWARDS AND ASKED IF THEY HAD SENT THOSE FUNDS BACK TO PAYPAL AND THEY HAD TOLD ME THAT THEY HAD SENT THEM BACK TO PAYPAL ON THAT SAME DAY XX/XX/XXXX ( HOWEVER THEY REFUSED TO SUBMIT THAT TO ME IN WRITING ) I CALLED PAYPAL THEREAFTER AND ASKED THEM IF XXXX HAS SENT THEM BACK THE FUNDS YET AND OF COURSE, NOT SURPRISINGLY, THEY SAID XXXX  DID NOT SEND THEM THE FUNDS BACK YET. THEY SAID THEY WOULD SUBMIT THAT TO ME IN WRITING HOWEVER NO EMAIL WAS EVER SENT TO ME. I HAVE DONE NOTHING WRONG HOWEVER I AM NEGATIVE {$17000.00} SINCE XX/XX/XXXX WITH NO RESOLUTION IN SIGHT. I HAVE COLLECTION AGENCIES CALLING ME ASKING HOW I PLAN TO GET MY PAYPAL ACCOUNT BACK TO A POSITIVE BALANCE. I REFUSE TO TRANSFER A SINGLE XXXX OF MY CASH INTO MY ACCOUNT TO RESOLVE THE NEGATIVE BALANCE WHEN I HAVE DONE ABSOLUTELY NOTHING WRONG. I AM ALSO SCARED THAT MY CREDIT SCORE, WHICH I HAVE SPENT YEARS POSITIVELY BUILDING UP, WILL SUFFER DUE TO THIS NONSENSE - I DON'T KNOW WHO IS BEING DISHONEST IN THIS SCENARIO. DID XXXX TRULY SEND THE FUNDS TO PAYPAL, AND IS PAYPAL LYING? OR, DID PAYPAL TRULY NEVER RECIEVE THE FUNDS, AND IS XXXX LYING? ONE OF THESE TWO COMPANIES IS BEING DISTRUTHFUL AND THE END RESULT IS ONE OF THESE TWO COMPANIES NOW HAS A FREE, POSITIVE CASH FLOW OF {$17000.00} AT THE DIRECT EXPENSE OF ME.
Consumer complaint received 2018-09-06
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. (TX)

I am a victim of identity theft and the information inserted under XXXX XXXX in the amount of {$400.00} is a result of identity theft. I have never done any business with XXXX  XXXX. Please delete this account from my credit file immediately. As directed by 605B of the FCRA you are required to block and notify furnishers of this information.
Consumer complaint received 2018-09-06
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. (MN)

XX/XX/2018 My wife and I were shopping mortgage lenders and got a mortgage pre-approval. My credit scores came back XXXX - XXXX, XXXX - XXXX, XXXX - Equifax. The low score from Equifax was attributed to a " serious delinquency '' that they found on my report. This is incorrect as there are no delinquent accounts at all on any of my reports with any credit bureau. 
-- -- -- -- -- -- - XX/XX/2018 I called Equifax to ask what was going on and why was my score low and my report showing " serious delinquency '' when there wasn't one on my report. To explain the score, they said that different credit bureaus use different models for scoring. This is obviously true, but there wouldn't be a 60 point difference between Equifax and the other two bureaus. They stuck to the script about that's the difference. I asked to speak to a supervisor about my " serious delinquency '' and why the file said that. I verified with two different supervisors that there were absolutely no derogatory remarks on my account and they couldn't help me with why the report was saying that. They offered to send me a free paper report to verify for myself. 
-- -- -- -- -- -- - XX/XX/2018 I received the paper report from Equifax and verified that there not only were no " serious delinquency '' on the report, but that there was no negative information at all. Again, a call to Equifax resulted in nothing being done and no fault admitted. Just them continuing to say they weren't sure why it said that and they use different scoring models than the other two bureaus. 
-- -- -- -- -- -- - XX/XX/2018 While checking credit scores from different credit cards and credit monitoring tools, my scores are now XXXX - XXXX, XXXX - XXXX, XXXX - Equifax. There is still a 60 point difference with Equifax and the reason still cited is " serious delinquency '' which I've been unable to get them to verify or remove.
Consumer complaint received 2018-09-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (OH)

I contacted the company today regarding the loan. I have been paying XXXX twice a month since XX/XX/XXXX. I attempted to log on to my account to check the balance and review my contract. I am aware of the high interest rate of the loan but felt I had payed too much for the loan. When I tried to logon to my account access was denied. I emailed the company regarding this matter today and was advised I owed 2 more payments due on XX/XX/XXXX. One for a missed payment which I was unaware of any missed payments. I was told account information was not available at this time online. I was advised by email when I opened the account that I would have access at all times to this information. I requested a copy of my contract today Im the email and no response was given to this request. If they can not provide me a copy of my contract or interest I have been charged then how can this be a legal contract. I realize part is my fault for being desperate and dumb at the time. I printed a copy of the contact at the time but have moved since then and had misplaced it. They identify themselves on their website as a tribal lender in Montana. I am not sure exactly how much the loan was for again at the time I was desperate. I feel that withholding documents is not legal and I should be reimbursed the interest I have paid them at the very least. Now I am not even sure this was a legal lender.
Consumer complaint received 2018-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (AR)

On XX/XX/XXXX I sent a certified letter to NCC Business Services Inc. which was received on XX/XX/XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe since I never recalled establishing an account NCC Business Services or the creditor in question. NCC Business Services has failed to provide any means of validation. No chain of command, application, or contract, containing my signature has been provided on behalf of NCC Business Services which is required under the court of law. NCC Business Services is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Consumer complaint received 2018-11-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

Ocwen is and was in clear violation of the XX/XX/XXXX settlement with the CFPB when it comes to loan modifications. When I applied for a loan modification in XX/XX/XXXX, they verbally denied my request to reduce the principal balance on the mortgage WITHOUT sending a licensed appraiser to the property to inspect it, verbally telling me that I did not qualify. I did not receive a denial letter in the mail and they would only speak to me through my estranged wife who wasnt even on the mortgage. Since the foreclosure and subsequent sheriff 's sale, I have done a little bit of research on the property in question. During my research, I have found that they had the property listed on XXXX for 452 days, which part of that time was during my Automatic Stay with my Chapter XXXX bankruptcy. The documents provided will show this and also show that the sale price of the property in question was highly inflated and they did not modify my principal balance to reflect this, hoping to reap as much money as they could out of me. 

During the last complaint I filed against Ocwen, the Ombudsmen would only provide the paperwork that they deemed necessary. They did not provide the actual applications for modification to show that I asked, on different occasions, for a reduction in principal balance.
Consumer complaint received 2018-09-06
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. (ND)

I contacted Equifax Dispute Center, and was connected with XXXX, one of their customer service reps. I explained to him that I have tried many times to remove old addresses from my credit report, and have had no luck. He said that as long as creditors report them to Equifax, there is nothing he could do to help me. I stated to him that by law, Equifax is supposed to report correct information, and none of these old addresses are correct. He refused to delete them. I next moved on to some old accounts they have listed on my report. I informed him that I have written the XXXX XXXX XXXX XXXX twice to try and verify their claims that I had late payments on my student loans in 2014 but they do not respond back. I've called them numerous times but nobody can verify these late payments, so I asked XXXX to delete them from my report. He said without notice from the creditor, he couldn't do that. Same situation with a SSA account that is on my Equifax report. I have contacted them numerous times and they can't verify the account belongs to me, which it doesn't, it belongs to my deceased father XXXX XXXX. I asked him to delete this account due to lack of verification, but he refused.
Consumer complaint received 2018-11-05
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One and I have continued to have a tumultuous relationship. I have only had 1 credit card with them. Due to personal reasons, I was unable to pay the balance. However, I still paid them the balance, but they continue to send me notices from other debt collection companies stating I owe them for a card that I 1 ) do not have, 2 ) paid off in XX/XX/XXXX, and 3 ) was never actually supposed to pay due to XXXX XXXX XXXX and unemployment. 

Their negligence and inability to provide proper service hindered my ability to return to XXXX XXXX in a timely manner, prevented me from securing housing at a pivotal time in my personal and business career, and to date, they have refused to acknowledge their faults. 

Additionally, they are not working against me with XXXX XXXX and XXXX   XXXX XXXX and XXXX as well as another auto dealer in XXXX XXXX XXXX. These 4 actors are, to this day, refusing to take credit for their negligent and fraudulent acts that have kept me from securing personal loans, a business vehicle, and other necessities required to get my personal and business life on track. I refuse to pay, or be the victim of sedition and libel for mistakes of agents that are unethical. 

The issues with my credit on the auto side originated at the XXXX XXXX branch. I met with a business banker and explained my ENTIRE business plan, and she, while kind, led me to believe that by doing a " soft '' credit check, there would be no hits to my credit by checking on a business vehicle. The actor following that transaction was XXXX " XXXX '' at XXXX XXXX. He promised he would not use my credit and only use the information on the form from Capital One. However, once I arrived at the dealership, nothing could be further from the truth. These two companies, and these two actors, in conjunction with one another, are the reason I don't trust banks, auto dealers, and based on how hard XX/XX/XXXX has been, the auto industry in general.
Consumer complaint received 2018-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I was going into forbearance in XX/XX/2014 when my XXXX account was sold to XXXX. XXXX busted my account into 8 different accounts. While XXXX was setting up my account in the first couple of months I was trying to get the forbearance through them started. In the interim they charged me with 3 months of late payments. That I have disputed with them and they deny it. 

Secondly and the most harmful to me is that they not only have hit my credit report with late payments for those months but multiply that by 8.  Yes, for each individual loan under the one XXXX account, XXXX reported a late payment for 8 sub-accounts for 3months for a total of 24 missed payments. This has destroyed my credit. I have complained to all credit reporting agencies and XXXX. Result was XXXX told them their reporting was accurate and my credit reports show that I disputed and disagree with the results. The 24 missed payments stand. Not fair reporting, in my opinion. At the most it should be 3 missed payments, not 24. And really, there shouldn't be any missed payments since my forbearance was in transition from XXXX to XXXX. Not my fault!!! Please help me.
Consumer complaint received 2018-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CT)

I have written numerous times to Eqifax and I have asked them to verify a Collection on my report, I have written to the Company and tell constantly tell me the debt is mine. Equifax has only written to me telling me, the debt is mine. The debt is not mine and Equifax will not delete this from my report as the other two reporting agencies have. I would like your Organization to look into this from Equifax.
Consumer complaint received 2018-09-07
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. (MS)

I was going into forbearance in XX/XX/2014 when my XXXX account was sold to XXXX. XXXX busted my account into 8 different accounts. While XXXX was setting up my account in the first couple of months I was trying to get the forbearance through them started. In the interim they charged me with 3 months of late payments. That I have disputed with them and they deny it. 

Secondly and the most harmful to me is that they not only have hit my credit report with late payments for those months but multiply that by 8.  Yes, for each individual loan under the one XXXX account, XXXX reported a late payment for 8 sub-accounts for 3months for a total of 24 missed payments. This has destroyed my credit. I have complained to all credit reporting agencies and XXXX. Result was XXXX told them their reporting was accurate and my credit reports show that I disputed and disagree with the results. The 24 missed payments stand. Not fair reporting, in my opinion. At the most it should be 3 missed payments, not 24. And really, there shouldn't be any missed payments since my forbearance was in transition from XXXX to XXXX. Not my fault!!! Please help me.
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX  XXXX XX/XX/XXXX {$81000.00} XXXX   XX/XX/XXXX {$24000.00} XXXX XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX   XX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$19000.00} XXXX XX/XX/XXXX {$630.00} XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XX/XX/XXXX {$6200.00} XXXX XXXX CRE XX/XX/XXXX {$23000.00} XXXX XXXX XX/XX/XXXX {$35000.00} XXXX XXXX  XX/XX/XXXX {$30000.00} XXXX XXXX XXXX XX/XX/XXXX {$35000.00} XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX   XXXX XX/XX/XXXX {$5000.00} XXXX XX/XX/XXXX {$280.00} XXXX XXXX XX/XX/XXXX {$250.00} XXXX BANK XX/XX/XXXX {$19000.00}
Consumer complaint received 2018-09-07
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. (GA)

I am contacting you in regards to my credit file and the errors of fraudulent accounts that was placed on my credit file. I sent over several certified letters dating back to 3 months back XX/XX/2018 and it's been more than 90 days now where I havent received any documents of any original contracts with my signature on it from any of the 3 major credit bureaus, creditors, nor I didnt receive anything to date. I have placed an attachment along with my license and social security card. I am disputing these accoutns as fraudulent, I have no clue and who they may belong to. I am also disputing all the accounts on the attachment as an internal dispute. If you choose not to reply to this final goodwill letter before its up to you. This is my final attempt to resolve this problem.
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Midwest Recovery Systems (VA)

The report on my credit report by collections is fraudulent i never saw a doctor and charge {$1000.00}. collection company hung up on me and never gave me details. XXXX XXXX XXXX is the company that called me
Consumer complaint received 2018-09-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ATLANTIC UNION BANKSHARES CORPORATION (MD)

On XX/XX/XXXX I contacted XXXX XXXX XXXX to start the process of refinancing my primary and home equity line of credit. I was informed that there were NO real estate loans reflected on my three credit bureau reports. I have had the primary loan since XX/XX/XXXX and the LOC since approximately XX/XX/XXXX. 
The original mortgage was taken out through XXXX XXXX  XXXX XXXX, VA. In XXXX, XXXX XXXX XXXX acquired or merged XXXX XXXX. Both loans were reported under the XXXX name after the merger. On XX/XX/XXXX Union Bank and Trust of VA  bought XXXX and acquired XXXX 's loan portfolio. 
I contacted my bank 's branch manager and the bank 's customer service department, Both contacts responded that their loan department had " legally '' determined they were withholding credit information for due deligence for a period of sixty days, and I could expect the reporting to resume at the end of XXXX. My Branch Manager twisted someone's arm and supposidly was able to have the bank manually forward my credit history with them in XX/XX/XXXX It would take 72 hours for the data to be uploaded. 
On XX/XX/XXXX I checked XXXX XXXX. XXXX  still did not reflect my real estate loans. XXXX  did reflect one ( 1 ) real estate one, with most recent activity being XXXX, XXXX. Today, XX/XX/XXXX neither XXXX nor XXXX  reflect any real estate loans on my credit file. 
On XX/XX/XXXX {$30.00} was removed from my checking account via on-line banking. That payment went to an incorrect account. The customer service folks were informed of the lost payment on XX/XX/XXXX, after I had received a phone call from the vendor. To date I still do not have my funds back. 
I have treid to speak with a bank officer, but have been told that information is not available to customers. 
I want to be able to get my mortgages and my checking account out of this bank " Union Bank and Trust of Va '' as soon as possible- but they are holding my information.
Consumer complaint received 2020-06-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ONEMAIN FINANCE CORPORATION (TX)

I paid a total of {$1200.00} in three extra payments intending to reduce the principal on a loan. Principal was not reduced in accordance with the amount paid. After contacting the company about the discrepancy I was assured that the issue would be addressed.. 
The issue was not addressed satisfactorily but became more confusing. The second attempt to address the issue has been met with delays.