davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
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: EQUIFAX, INC. (NV)

According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. 

A previous dispute about this account XXXX XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below. 

- There are XXXX different payment status. It is also against the FCRA to publish a charge off with late payments. Equifax is reporting ok from XX/XX/XXXX to XX/XX/XXXX, then goes to 120 days late the next month. There is no XXXX day late for the previous months it jumps straight to 120. 

- Date of last activity is different on all reports. 
- Date of last payments is different on all repots.
Consumer complaint received 2016-11-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc. (CA)

I have a three months modification trial, I made all my three payments on time, but never got a final modification because my loan was sold to a different bank and the new bank not honoring my modification and going through with the forclosure on my home. That should be illegal, these guys are bunch of XXXX playing with people lives and deals and they should be stored, cuz they are doing it to a lot of innocents hard working people, that all they want is save their home and dignity. Thank U.
Consumer complaint received 2017-09-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PHH Mortgage Services Corporation (GA)

XX/XX/XXXX contacted PHH requesting pre-approval in the amount of {$270000.00}. The XXXX requested our credit scores, I gave them to him and he said we would qualify for the loan at 4.125 %. We called XX/XX/XXXX to proceed with the loan. The XXXX said my husband 's school loans were $ XXXX and even though he 's not paying them now ( they are deferred ) we have to estimate a payment of {$1800.00}. We challenged this but he said that 's how they calculate it. We asked for alternatives. He thought for a minute and replied that I, the wife, could do the loan by myself. We asked him to work up some numbers. The XXXX was sent to us on XX/XX/XXXX but showed a 4.58 % interest rate. We were willing to accept because he said it 's because of our credit scores. Over the weekend I gathered my proof of assets - 401k, investment accounts and had them to him by Monday morning. He called Monday, XX/XX/XXXX saying, I 'm sorry about this but it 's been flagged as a predatory lending situation. To get us out of this, you will need to pay XXXX in points. We kept asking what this meant to the bottom line and what we had to come to closing with. He was vague. Eventually, we realized we would need an additional {$4300.00} to close. After stewing this over for a couple of days, I contacted them on XX/XX/XXXX at XXXX and told them we would not use them as a lender since it seems they are being discriminatory in their practices and have some predatory lending concerns.
Consumer complaint received 2017-03-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JH Portfolio Debt Equities, LLC (SC)

I ASK THIS CREDITOR TO VALIDATE THIS DEBT AND AS OF TODAY I HAVENT RECEIVED ANYTHING!! ALSO UNDER FDCPA SECTION 811 ( A2 ) THE COLLECTOR MUST BE IN THE COUNTY IN WHICH I LIVED WHEN I SIGNED THE ORIGINAL CONTRACT.
Consumer complaint received 2016-07-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: D2 Management LLC (TX)

A company claiming to be XXXX XXXX just called me on a local number then when I disconnected the call they called me on an out-of-state number, which is a form of spoofing ( I live in the local XXXX area code in Texas, the second call came in on an XXXX area code which is South Carolina ). The XXXX area code number they tried to spoof me on was listed as XXXX and the South Carolina number was XXXX. In a voicemail message they then said they were going to call my employer. I believe this is not a valid debt collection call and I want these numbers reported.
Consumer complaint received 2016-10-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Ability Recovery Services, LLC (CA)

I have been attempting to work on my credit for nearly 2 years now. I have been contacting creditors who I owe money to to try to pay what I owe. There are however a few creditors who are attempting to collect money from me that either I do n't owe or am unsure that I owe the amount they state I owe. Ability Recovery Service is XXXX of the collection agencies who say I owe money I am unsure I owe. 

Ability Recovery Service popped up on my credit report about a year ago. Well into the process of me rehabilitating my credit report. At first I attempted to dispute the account because The amount they were showing was outrageous. When I received investigation results from the XXXX bureaus stating this debt was " verified, '' I decided to contact Ability Recovery Service. At first I tried simply asking the representative at Ability Recovery Service for an itemization of the charges. However, when he told me that they added a {$600.00} collection fee I was furious. 

I argued with the representative as the amount they were trying to collect was {$3200.00} therefore nearly a XXXX of that balance was just a collection fee. Since I was now sure that there was definitely something odd going on with this account I asked for an actual itemization of the debt and gave them my e-mail and my fax to forward it to. I also asked for any original contracts and signatures they had on this debt. That conversation was back in XXXX of 2016. When I did n't get the documentation as I was told I would, I called again. They claimed they sent it. However, because it was supposed to be sent to me by e-mail or fax, I know for a fact that it was never sent as I never received any documentation from them. I even made sure to check my spam folder. 

After waiting patiently for documentation that never came, I then decided to send them a written request for validation which I will attach a copy of to you. This was done XXXX XXXX of this year. We are now in XXXX XXXX of 2016 and it 's been 90 days since my original request and XXXX since my written request. Ability Recovery Service has not provided me with any proof of debt yet they are still reporting this on my credit report as a collection. This is a clear violation of collection and credit reporting laws. 

Since I have been working so hard for years now attempting to fix my credit I am beyond outraged that this company would collect and credit report a debt they ca n't prove I even owe. If they continue to do so without providing me any proof of debt then my only recourse would be to simply sue them. I am hoping that I wo n't have to go trough a lengthy court case over something which should be obvious to a trained collection agency. Either provide me proof of debt or stop collecting and reporting it. Please assist me in this matter before I have to sue. 

XXXX University is the school.
Consumer complaint received 2015-11-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ray Klein, Inc. (WA)

In XX/XX/XXXX, I received a letter from Professional Credit Services attempting to collect a debit in the amount of {$230.00} listed for collection by XXXX XXXX XXXX XXXX XXXX. I did not incur this debt. 

I immediately sent with a letter to dispute the debt and to request debt validation. I sent the letter via Certified Mail. I have a return receipt showing Professional Credit Services received it on XX/XX/XXXX. 

In the meantime, I sent an email to XXXX XXXX - XXXX XXXX XXXX. I wanted to know how an account was established in my name when I never applied for it. 

XXXX XXXX XXXX at XXXX XXXX - XXXX responded to my email. She said someone drove into a transfer station on XX/XX/XXXX, dumped a load of solid waste, but could n't pay the fee. The transfer station had to open an account to collect the fee at a later date. 

The transfer station used a vehicle registration to open the account, but I no longer owned that vehicle. I sold it on XX/XX/XXXX. I informed XXXX that I had submitted a properly filed Report of Sale to the Washington State Department of Licensing on XX/XX/XXXX, and that I can not be held responsible for a debt incurred on XX/XX/XXXX. XXXX XXXX informed me that Professional Credit Services have to substantiate that. 

On XX/XX/XXXX, I mailed another letter to Professional Credit Services via Certified Mail. The letter included a detailed explanation of how the debt came to be put in my name. I also provided adequate proof that it was not my debt. I included a copy of the Report of Sale as evidence that I did not own the vehicle when the debt was incurred. I also provided a copy of the Bill of Sale bearing my signature and the signature of the new owner. 

I have a Return Receipt showing Professional Credit Services received my letter on XX/XX/XXXX, but on XX/XX/XXXX, I received another letter attempting to collect the debt. 

The collection notice included debt verification in the form of a receipt bearing a signature of the person who incurred the debt. The last name is not legible, but the first name looks like " XXXX. '' It 's not my signature and it 's not the signature of the buyer, XXXX XXXX, as it appears on the Bill of Sale. 

The debt verification also included a computer screen print showing the account information on file with XXXX XXXX XXXX XXXX. The driver 's license field is blank. XXXX XXXX admits that the transfer station did not obtain any identification from the driver. The account information shows a phone number, but the number has never been assigned to me.
Consumer complaint received 2017-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST HORIZON BANK (TN)

I do n't know which family member First Tennessee Bank allowed to use a power of attorney. Because of this I was denied freedom of information by First Tennessee Bank. My birth certificate, driver 's license and social security card was stolen and copied by family members. A background check was n't done on the family members. First Tennessee Bank even stated the circumstances were unique. I need copies of all deposits and payments on account number XXXX from XX/XX/XXXX-XX/XX/XXXX. My father XXXX XXXX in XX/XX/XXXX, he was XXXX when he XXXX XXXX. His social security number is still active in XX/XX/XXXX. His name is XXXX XXXX XXXX. My mother name is XXXX XXXX XXXX and she XXXX XXXX in XX/XX/XXXX,  her social security number is still being used by the family members. 

XXXX XXXX once lived in the home with my late father. XXXX knew my father was my emergency contact, she began stealing my mail. 

In XX/XX/XXXX I filed a medical malpractice law sue. The family members began preparing my XXXX. XXXX XXXX heard the doctor say I would n't survive if I did n't have a XXXX XXXX. Due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XX/XX/XXXX. I was flown to XXXX, I also had acute XXXX XXXX. The case number is XXXX XXXX, filed in XXXX XXXX. They family knew the attorney asked for XXXX XXXX dollars. 

I was under wage earner in XX/XX/XXXX when I began with depositions. The bankruptcy attorney filed the law sue as workman 's compensation. This caused my personal information to become public record. This is how they were able to access my records. All are in violation of my HIPPA rights, civil liberties, civil rights. 

By First Tennessee Bank giving the family members access to my personal information /accounts, they 've abused /wasted government funds. 

I also need all of the transactions for account number XXXX from XX/XX/XXXX-XX/XX/XXXX. I need copies of all transactions from XX/XX/XXXX-XX/XX/XXXX. 
XXXX XXXX XXXX XXXX also allowed the family members to delete all of my former employers from XX/XX/XXXX-XX/XX/XXXX and change my addresses. 

I was told by the FBI to pull my credit report, because of all the fraudulent activities. 

A power of attorney is only suppose to be used when a person is XXXX /and or unable to handle their own affairs. It was not suppose to be used for organized crime/white collar crimes such as this type of theft. 

First Tennessee Bank participated by giving family members access to my personal information and not reporting the transfer of my mortgage loans to the bankruptcy courts. You may say my identity was stolen. Why was I under investigation by the FBI? They are the ones that told me to pull all of my tax transcripts. I had to do my own research, because attorneys was being paid kick backs by the family members. 

I 've reported them to the Supreme Court in XXXX TN. The Social Security Administrator told me what to look for also. 

I 'm deprived of health care insurance due to the abuse.
Consumer complaint received 2017-01-17
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (CA)

I am trying to refi my home with a VA loan from Loan Depot. They are telling me that I am not the Title holder based on their search. I have checked with XXXX County and they confirmed that I am official Title holder. Loan Depot 's representative, XXXX XXXX told me they will not allow me to to contact the Title search company that is in error What can I do?
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX  Data Breach left me in financial Rouin and they won't do anything about and Transunion and XXXX are following suit with credit report being all wrong.
Consumer complaint received 2017-09-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I recently discovered that PRA is reporting inaccurate information on my XXXX report, which is negatively affecting my credit. According to my XXXX report PRA is reporting the collection account as the original creditor XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX as an open account with a past due balance as the payment status. I never opened an account with PRA.  The terms of the account is listed as one month although I have not entered into any terms with PRA regarding either account. PRA list the accounts with a credit limit/Original amount as if they are a creditor that extended credit to me. In addition, PRA list payment and balance history for both accounts monthly, which debt collectors are not allowed to do. PRA updates the " Date Reported '' date monthly, and with a Payment Status of " Collection Account '', and with no " Date Closed '' Date. I believe these are all violations of credit reporting of a collection account. 

I have also, on numerous occasions, provided proof that I did not receive any kind of notification of the debt, which CFPB and PRA continue to ignore. I have provided a copy of my DL that states my address at the time PRA said they sent a dunning notice. 

The choices given by CFPB for issues with a company are so limited and narrow and I am forced to make a selection that may not adequately identify my issue with PRA.
Consumer complaint received 2017-03-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MS)

Ocwen Loan Servicing had me agree to a trial period for modification. At the end of the trial period, I received a notice that I would need to pay over {$3000.00} to reinstate my loan. I submitted needed documents and I feel like I was mislead in the way it was handled. By them having me pay the schedule that they set up, I should not be behind anymore and my mortgage should me now current. However, they did not do that. They put me under a trial modification and then at the end told me I did n't qualify with no explanation other than an issue with the title that had nothing to do with me personally. I submitted the appropriate documents to them and they are still trying to charge me over {$3000.00} to get my loan reinstated. I was only behind XXXX payments of {$740.00} to begin with and then they had me skip a month before beginning the modification which was another {$740.00}. By my calculation, I should only be behind the two months I did n't pay seeing that they had me skip a month for the modification. I am a single mother of XXXX and working XXXX XXXX jobs trying to stay afloat. I can not afford to loose my home. PLEASE HELP
Consumer complaint received 2016-06-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

I received a Delinquency notice letter form ocwen loan servicing dated XX/XX/XXXX regarding loan number XXXX.States that i 'm late on my mortgage payment as of XXXX/XXXX/XXXX I 'm XXXX payment delinquent on my mortgage loan my account first became delinquent on XX/XX/XXXX.failure to bring my loan current may result in fees and foreclosure -the loss of my house.the total : {$130000.00}. 
my attorney williams sent a letter to ocwen loan servicing dated XX/XX/XXXX regarding the alleged debt owed to provide verification of the debt and the name and address of the original creditor within thirty ( 30 ) days of the date of this letter .ocwen loan servicing never respond to the letter .until XX/XX/XXXX my former attorney XXXX XXXX reached out the bank 's attorney .And ocwen loan servicing said that they are willing to accept {$110000.00} for the home now .And she asked what bout XXXX and she was advised that the bank 's attorney only represents ocwen and they can not speak to behalf oh XXXX. I may contact a private lender to see if they will loan me to money, on XX/XX/XXXX I receive a Non Approval notice letter from ocwen loan servicing states that they are unable to offer a home Modification because : As of date of this letter my loan has confirmed foreclosure sale date within 7 business days.On XX/XX/XXXX I receive a confirmation of cancelled effective XX/XX/XXXX any unearned premium that may have been paid from escrow account has been refunded Please be advise that this Loan number XXXX is totally fraud and was created by ocwen loan servicing for own purposes of used .Because i never made any payments to ocwen loan servicing regarding this loan # XXXX .Ocwen loan servicing has a voice recorded stated that i paid {$5900.00} was received on XX/XX/XXXX and my next payment of $ XXXXis Due on XX/XX/XXXX .This is totally untrue .Also on XX/XX/XXXX I receive an email from my former attorney XXXX XXXX stated that lawsuit been filed by INVESTORS
Consumer complaint received 2019-08-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XXXX, mortgage servicer for XXXX, reported late payments to all three credit bureaus while I was on a national declared disaster ( Hurricane Irma, Florida ) forbearance and then a mutually agreed mortgage modification with XXXX. They directly reported a 150 day late on XX/XX/XXXX and reported as ND ( Not Due ) on every other month from XX/XX/XXXX thru XX/XX/XXXX. The 150 day late reported by XXXX on XX/XX/XXXX should also be reported as ND ( Not Due ) as I was on their forbearance and modification agreements, as attached. 
XXXX is involved in a number of law suits for reporting erroneous mortgage information and was subsequently forced by XXXX to transfer all servicing to XXXX XXXX which is now my XXXX servicer.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

XXXX XXXX, 2017 I have tried both online and over the phone to freeze my credit records ( for days ). In both cases with Equifax and XXXX the response has been " not available at this time '', " check back later ''. Experts are now advising to freeze your credit files to avoid identity theft. You need to check this out for yourself. Have been successful with XXXX over the phone, however, their was a {$10.00} charge.
Consumer complaint received 2020-10-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc. (NC)

I received a bill from you on XX/XX/2020 and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX