davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-09
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. (CA)

I am writing to file a formal complaint against XXXX XXXX XXXX, which has failed to provide verification for a debt they claim I owe. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I had sent a letter to the said creditor on XX/XX/, requesting verification of this alleged debt. 
Despite ample time being given, XXXX XXXX XXXX has been unable to provide any proof or verification of this debt. However, this unverified debt continues to reflect negatively on my credit reports, which is causing significant financial and personal distress. 
I have also disputed this debt with Experian, providing them with all the necessary documentation to demonstrate that XXXX XXXX XXXX has failed to verify this debt. 
I kindly request your assistance in this matter. My objective is to ensure that this unverified debt is removed from my credit reports, as required by law when a debt can not be adequately verified. Enclosed are copies of the letter I had sent to the creditor, their response ( or lack thereof ), and any other supporting documents. 
Under Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I am formally disputing this debt and requesting validation. Please note that this is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Furthermore, under Section 611 ( Procedure in case of disputed accuracy ) of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), I am also disputing the accuracy of this information with the credit reporting agencies. If you can not verify this debt or correct the information, the FCRA requires that it be deleted immediately.
Consumer complaint received 2018-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (CA)

My name is XXXX XXXX XXXX XXXX. I do not owe USCB XXXX for medical bills. Somehow they are reporting it on my XXXX credit report. I believe they have the wrong person. I have attempted to have this investigated but all they want to do is collect. The bills are not mine. The accounts numbers listed are : XXXX, XXXX, XXXX. USCB does not have any listings where you can call them. They make it impossible to contact them to do anything but pay them. They only have a pay website. They do not provide their contact info on the credit reports. 
This is what their website says : " USCB XXXX is a leader in providing innovative business process outsourcing and accounts receivable management solutions to some of the largest private and public institutions and healthcare providers in the Nation. Utilizing " best practices '' and leveraging decades of experience in the XXXX and XXXX XXXX industry, USCB XXXX delivers to its clients customized, turn-key XXXX XXXX XXXX that improve cash flow, streamline workflow processes, reduce administrative redundancy and optimize XXXX XXXX XXXX ''
Consumer complaint received 2018-08-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (MI)

XX/XX/2018 XXXX XXXX XXXX  calls 2 to 4 times per day on my cell phone. Their phone number is : XXXX, based out of XXXX XXXX, California. There is a XXXX, Michigan office that may be involved also.

I have a phone app that blocks most of their calls, but some get through. Within the phone app, there are hundreds of complaints against this company.

I am going to file a complaint with the Michigan State Attorney General 's Office and in California also.
Consumer complaint received 2023-04-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (CT)

In 2019 when XXXX hit I lost my job I was Not behind on any payments, and I voluntarily gave back the vehicle because of XXXX income. Now I made an offer to pay it off, which was only XXXX less than the amount I owed with the cash I had left in my savings. They denied it so I told him to take the vehicle back and took my cash in purchased a vehicle. I was not sure what was going on during the epidemic with returning back to work, so I was trying to do the responsible thing.
Consumer complaint received 2020-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

Company response is not viewable! XXXX XXXX, the responder to the first complaint, does not and has not responded to the 5 voicemails I left, nor emails. I verified she was in the office but is not responsive. This is a problem since the CFPB response that I was able to view ( once ) indicated to contact XXXX XXXX directly. 
I am now not even able to access her response due to the website not working properly.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

ON MY CREDIT REPORT THERE WERE SEVERAL ERROR ACCOUNTS THAT DID NOT BELONG TO ME. I BEGAN MY PROCESS OF DISPUTE WITH ALL 3 CREDIT REPORTING AGENCIES. 
I SENT A SERIES OF 4 CERTIFIED LETTERS RETURN RECEIPT TO THEM LISTING THE ACCOUNTS AND REQUESTING THAT THEY BE VALIDATED OR REMOVED. IN FACT WHEN THE CRA'S DID IN FACT REMOVE A FEW OF THE ACCOUNTS IN QUESTION, MY SCORE ACTUALLY WENT DOWN 100 = POINTS! THIS IS UNACCAPTABLE, I AM FULLY AWARE THAT THESE CRA'S CAN MANIUPLATE CREDIT SCORES AT THEIR WILL, ( I HAVE SEVERAL YEARS IN CREDOT AND COLLECTIONS) AS OF THIS DATE XX/XX/2018, 
THERE ARE STILL 2 ACCOUNTS ON EQUIFAX AND NOW 3 ON XXXX. 
THE THIRD ONE IS A COLLECTION AGENCY FOR ONE OF THE ERRONEOUS ACCOUNTS XXXX XXXX XXXX. THE COLLECTION AGAENCY IS XXXX XXXX. I SENT THEM A CERTIFIED LETTER AS WELL INFORMING THEM THAT THIS IS NOT MY ACCOUNT, I HAD REQUESTED 4 TIMES PREVIOUSLY THAT XXXX XXXX  REMOVE THIS ACCOUNT SINCE THEY REFUSE TO SHOW ME MY SIGNATURE ON A CONTRACT, AND THAT THEY MUST IMMEDIATLY REMOVE THIS FROM MY REPORT.  THEY STILL HAVE NOT DONE SO. 
THE ITEMS THAT REMAIN ARE : 
XXXX                                                 EQUIFAX                        
1. XXXX XXXX XXXX                                     1.XXXX XXXX XXXX
 2. XXXX XXXX XXXX,                            2. XXXX   XXXX
3. XXXX XXXX.  

AFTER EVERY ONE OF THESE CERTIFIED LETTERS, THE RESPONSE I RECEIVED FROM BOTH CREDIT REPORTING AGENCIES WAS " ACCOUNT VERIFIED BY CREDIT GRANTOR"  THIS VAGUE RESPONSE IS A DIRECT VIOLATION OF SECTION 611 (5) (A) OF FCRA. 
I AM REQUESTING THAT YOU INTERVENE ON MY BEHALF AND ENFORCE MY RIGHTS TO HAVE THESE UNVALIDATED ACCOUNTS REMOVED IMMEDIATLY. 
ADDITTIONALLY, XXXX XXXX IS IN VIOLATION OF FCRA AS THEY HAVE DELIBERATLY NOT COMPLIED AFTER THEY RECEIVED THE CERTIFIED LETTER ADVISING THAT THIS IS NOT MY ACCOUNT AND THEY MUST DELETE IT IF THEY CANNOT VALIDATE IT. ( IT IS CREDIT ONE ) DULICATE ACCOUNT , ANOTHER VIOLATION. 

IF I DO NOT OBTAIN RELIEF FROM THIS LAST EFFORT TO HAVE MY CREDIT RESTORED BY REMOVING THESE ACCOUNTS AND MY SCORE BEING INCREASED BY THE CRA'S (AGAIN THEY LOWERED MY SCORE AFTER REMOVING SOME OF THE ACCOUNTS) MY NEXT COURSE OF ACTION WILL BE LEGAL. CITING CASES XXXX vs. XXXX    and XXXX, et al v. XXXX XXXX.

I APPRECIATE YOUR ASSISTANCE IN THIS MATTER AND AWAIT YOUR REPLY.  

XXXX.
Consumer complaint received 2023-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

In XXXX XXXX PHH took over servicing of this loan. I had prepaid the PMI to the previous lender therefore there should have been no PMI charged to this loan when PHH took over. In XXXX XXXX I received an annual notification of PMI on the account. I do not have a copy currently, but I did call the servicer to remind them there should be no PMI on this loan. They confirmed it was just a notification. I received the same PMI notice in XXXX of XXXX and called again to ask why do I keep getting this notification if there is no PMI on this loan. They told me that the PMI was not in place and to ignore the letter again. I asked for documentation to be provided to me in writing that there was in fact no PMI on my loan. I received a letter dated XX/XX/XXXX that stated PMI was active on the account however it was terminated on XX/XX/XXXX ( see attachment letter dated XX/XX/XXXX ). I received another letter dated XX/XX/XXXX congratulating me on the cancellation of PMI and other terms about potentially having to repay any final PMI payments. See attachment letter dated XX/XX/XXXX. In XXXX of XXXX, I received a check in the amount of {$480.00}. I had no idea what it was from. I looked at my account online and it simply was listed as misapplied funds, misapplication reversal dated XX/XX/XXXX. See attachment C. I called PHH asking what the check was for. They said it was in regards to the cancellation of PMI. I said are you sure? I can cash this? They said yes go ahead. I then cashed the check and spent it and no longer have those funds available. You can pull their recordings of these calls over the years I hope if need be. This then led me to question how much in fact PMI had been held in escrow on my account as I had no idea how the figure of {$480.00} came to be. That was the the other part of my inquiry, how that amount came to be. I then submitted an inquiry asking for a total amount of any PMI paid on this loan as well as an explanation in writing of the {$480.00} check noted as misapplication. I received a letter dated XX/XX/XXXX then telling me I was in fact required to have PMI, to ignore the two other letters I received, and that the {$480.00} check was in error and that I had to repay it back to my escrow account. I then noticed on XX/XX/XXXX they charged {$480.00} back to my account listed as mortgage insurance disbursement ( see bottom of attachment C ). I immediately called back PHH on XX/XX/XXXX upon receipt of the letter as I was now utterly confused and the letter dated XX/XX/XXXX did not resolve all of my previous inquiries. I had to escalate the issue. See attached letter dated XX/XX/XXXX. This letter also then indicated PMI would be reactivated on this loan, adding additional confusion. I am also including a copy of the inquiry I submitted to the first servicer when I completed the refinance and paid the upfront PMI premium.
Consumer complaint received 2023-07-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC (WI)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Phone : XXXX Fax : XXXX Email : XXXX XXXX XX/XX/2023 Office file number : XXXX Dear XXXX XXXX : We have reviewed the email that you forwarded to us. It is a scam that we see very frequently. The most important thing for you to do is NOT to reply or engage with them in any way. In fact, you can mark the email message as junk and block the sender.
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NJ)

Entered into an agreement to pay $ XXXX/month with XXXX XXXX. Applied for home loan and waas notified that my payment was 120 days past due with XXXX, however, I have bank statements showing the automatic payments come out every month between the 21-23 day and I have not missed any payments. I called XXXX and was told that they were not sure why it showed late payments. I submitted a dispute via certified mail on XX/XX/2018. I have not heard back from them as of today, XX/XX/18. The account is showing that I owe over {$400.00}.
Consumer complaint received 2018-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Municipal Collections of America Inc. (MN)

Municipal Collections of America is attempting to collect citations from 2011 based on a photograph picture of a license plate. It was a car that I was not driving at the time nor have I ever driven in XXXX XXXX, IA. I could take pictures of peoples plates and send them debt collections letters so maybe this is a scam. either way they were only able to give me the make and model of a car I used to lease and an address that I haven't lived at in 6 years.
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I have now tried THREE TIMES via direct dispute with XXXX, Equifax, and oh boy, XXXX! to have the account status of a PAID COLLECTION updated CORRECTLY. For SOME REASON, when I paid it off, it was updated as " debt included in or discharged through bankruptcy chapter XXXX '' " debt included in personal recievorship. '' I HAVE NEVER EVEN FILED FOR BANKRUPTCY LET ALONE COMPLETED ONE! I've called the creditor to have this removed, they swear they never reported it! I've disputed it THREE TIMES with the credit bureau who EVERY TIME swears, the creditor confirmed the information is correct! NOW I DON'T KNOW OR EVEN CARE WHERE THE DISCONNECT IS, I WANT IT FIXED! PAID COLLECTION! HOW HARD IS IT TO CHANGE THE STATUS TO " PAID COLLECTION?! '' IF YOU CAN'T DO THAT, REMOVE IT FROM MY CREDIT REPORT ALL TOGETHER! 

XXXX XXXX is the creditor. I have NEVER had SO many problems with something SO XXXX simple!
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

On several occasions I have disputed an account XXXX XXXX XXXX with Equifax as the account information is incorrect. I have requested multiple times for a verification and validation of the actual debt and I have received NOTHING from Either Equifax or XXXX. XXXX XXXX yet this inaccurate account is still reporting negatively on my credit report. As this has violated my federal rights, this account is to be deleted from my credit file.
Consumer complaint received 2018-08-25
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. (IL)

In the months of XXXX and XXXX of 2018 I have spent several days corresponding with XXXX XXXX about the fraudulent accounts which appear on my credit file. They have not removed them. Although these accounts are fraudulent and I did not aurthorize them.
Consumer complaint received 2018-08-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Credit reporting agencies refuse to correct unauthorized hard inquiries and keep them in your file for up to three years. They also use your own inquiry into your own credit to lower your score and use that power in a bullying fashion. The credit agencies are arms of the bank abd utilized for that purpose only. They dont work any other way around. So the consumer has no way to really fight for equity or correct a wrong. And with a federal agency which has no teeth, these agencies act with complete impunity. Further, it takes several attempts to contact these credit agencies. Their listed numbers take you down a two option menu so if youre trying to do a more complex investigation, it cuts you off. They cut you off at whim. The whole system is a scam designed to XXXX the consumer without any dignity or humanity in favor of the bank. No customer service. Just bank protection against consumer rights.
Consumer complaint received 2018-06-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (PA)

On XX/XX/18 two payments were made accidently to my mortgage company by me. One was for {$1000.00} which is the full mortgage amount and the other one was {$550.00} which is half my mortgage. I called them immediately to notify them I would need the {$1000.00} credited back to my account as this was an accidental payment on my part & that I would be paying split payments for {$550.00} each. 

I was given instructions on how to request this amount back in writing and I sent the fax in right away. 

That was XX/XX/18, today is XX/XX/18 and I am still waiting for my money. I have talked to numerous staff members, as I have called daily & several Supervisor 's. Each time I call, I am given different information. I chose this company because I am a Veteran and was told they " take care of their Vets ''. I am extremely disappointed in my dealings with this company.
Consumer complaint received 2018-06-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BB&T CORPORATION (VA)

On XX/XX/XXXX at about XXXX XXXX I made a debit card purchase of {$6.00} leaving a balance of {$0.00} in my checking account. Got email alert that my balance was low {$0.00} at about XXXX XXXX ... checked my balance around XXXX XXXX on XX/XX/XXXX the bank app had me overdrawned for a {$10.00} ACH and an overdraft fee of {$36.00} and a direct deposit of {$480.00}. 
I called the bank around noon on XX/XX/XXXX and spoke to a customer service rep who only said that the fees couldnt be reversed and that my accound was overdrawned on the 18th. I told the rep that if if was overdrawned on the 18th then why was I abled to make a debit card purchase using my pin on the 18th ... no reasonalbe respond, just that the fees could not be reversed. 
My complaint is simple ... .the banks are making money on its customers when they can charge a {$36.00} overdraft fee for a {$10.00} overdraft, the acount has a history of continuing bi-weekly direct deposits which had to be in their system on XX/XX/XXXX when the {$10.00} ACH came in so they knew that the money is or will be there credited to my account. This bank has a history of swindling its customers out of their money for excessive fees. 
The results Im looking for is the rescinded of the {$36.00} overdraft fee. 
thank you ....
Consumer complaint received 2018-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

XX/XX/XXXX, insurance claim checks were received by a company reprentative at Rushmore Loan Management Services.

Initially Rushmore claimed checks were not received. 
A week later, the checks were found. I was informed that checks would be endorse and mailed to me the week of XXXX later in the week of XX/XX/XXXX. 

Today XX/XX/XXXX, the checks have to my knowledge now been signed and mailed back so I can pay contractors for their work.
Consumer complaint received 2018-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

I called XXXX XXXX on XX/XX/ to setup service for my Girlfriend who lives in an apartment separate to mine. The representative on the phone asked for my social very shortly after getting on the phone with me, in her words " this is a standard procedure to verify whoever is calling us does not have any debt owed to XXXX '', so I gave them my social because I was the one calling. She did not inform me that she was using my social to create a XXXX account under my name ( instead of my Girlfriend 's name ), and she pulled my credit report without my consent or even telling me she was doing so. I fixed the problem with the account having my problem but there is still a hard inquiry from Equifax fromXX/XX/XXXX. I attempted to dispute it with Equifax but the dispute was denied. I was planning on setting up XXXX service for myself about two months later, so my " fallback '' solution was to setup an order for myself that would be completed in two months, so that they would be able to setup service for me without checking my credit again ( since they had already just done it, every XXXX representative I spoke to said that my credit would be held on file for 30 days and my credit would not be checked again since I am setting up an order within 30 days of my credit being checked ). When I went to complete the pending order, XXXX pulled my credit report again, and again did not inform me or did not have my consent. There are now two hard inquiries on my Equifax from XXXX that I did not authorize. Obviously it would be reasonable to expect one to be on there, for setting up my service, but there are two, and I did not authorize either one. 

The representative I spoke to on XX/XX/XXXX to setup service for XX/XX/XXXX confirmed that a second credit check would NOT take place, since they had checked credit on XX/XX/XXXX and it was within the 30 day window. Her employee ID is # XXXX and her name is XXXX.
Consumer complaint received 2018-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDEN 1 CREDIT UNION, THE (CA)

{$0.00} Account Details Last Reported XX/XX/XXXX Creditor Name GOLDEN 1 CU Account Type Credit Card Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$500.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$690.00} Payment Status Current Worst Payment Status XXXX Days Late Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX  Times XX/XX/XXXX Days Late XXXX Remarks Canceled by credit grantor ] ] ] I would love to resolve this and remove from from credit. As I am new to credit and would greatly help you benefit in the future.