davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I filed a complaint in XX/XX/2020 during COVID-19 concerning my Capital One credit cards. Both cards were disputed with CFPB but only one of the cards returned to XXXX  balance the other card has a balance of {$94.00} including interest fees on the amount. Capital One is continuing to charge interest fee on my card ending XXXX. I'm under FURLOUGH with my employer during this COVID-19. Capital One is not honoring the situation. I already filed this complaint before.
Consumer complaint received 2015-08-26
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: TRANSWORLD SYSTEMS INC (CO)

In XXXX XXXX, a default judgement for {$16000.00} was granted to XXXX XXXX XXXX against me based on a supposed XX/XX/XXXX debt. In XXXX XXXX, I filed a complaint with the CFPB ( Case number : XXXX ). I contested that this judgment was not obtained legally because I was not served in this matter and was not given the chance to defend myself. I supplied evidence that I was not in XXXX when the process server claims to have personally served me. I have previously submitted an affidavit from my employer and supporting financial documents to CFPB showing that I was in XXXX XXXX, CO ( XXXX miles away ). 

After receiving this information, attorney for the plaintiff, XXXX and XXXX, did not ask the court to set aside the judgment. Instead they sent me and the court the process server 's field notes. The notes and service affidavit have an inaccurate physical description of me. Not only did the process server lie about serving me personally, she ( or someone with access to this information ), forged my signature on her notes. Whomever signed as me on her field notes made a poor attempt to copy my signature from the XX/XX/XXXX promissory note. I have included my Driver 's license & a lease to show what my signature looks like.
Consumer complaint received 2016-08-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC. (NC)

I was pursuing a mortgage with Suntrust and paid them an initial fee for an appraisal of the property. They told me that the appraiser told them that the property is a commercial farm. The property I wish to purchase is not a commercial farm as it only has a XXXX stall barn and about XXXX acres in pasture, AND the appraiser called my real estate agent to discuss the property but he never went to the property. The underwriter did not want to approve the loan due to my debt level and someone fabricated a story about the appraiser saying that the property was a commercial farm was the most important reason for declining the loan. They also were working off an old credit report with lower scores. They refused to listen to me and declined the mortgage. They told me that the appraisal fee would be returned because there is no appraisal but I have yet to see this. My complaint is that they have never returned the appraisal fee. The loan officer was XXXX XXXX based in XXXX, NC.
Consumer complaint received 2020-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TN)

This is the third time your fraudulent institution has damage my person and personal consumer profile with an alleged debt that you are collecting that has already been proven not in compliance and unable to be verified. This account has already been removed from my consumer credit report twice but here you are again fraudulently trying to masquerade as a creditor when in fact you are a debtor and a trespasser on an alleged original consumer contract that you were never a party too. 

I am well aware of the FACT that YOUR Firm has a MAXIMUM of 30 days to PRODUCE ALL of the mentioned information in detail on the attached document, PERFECTLY without a single mark or error on even ONE of the many a multitude of items and data entries of which you MUST demonstrate to ME physically with irrefutable documentary evidence of certified truthfulness and equally of adequately accurate, complete and timely reporting above and beyond compliance. If your firm CAN NOT produce ALL of the above-noted documentation in the allotted time frame, I will accept a written NOTIFICATION stipulating that your firm CAN NOT COMPLY with the FDCPA and formally withdrawing your claim to this alleged debt is demanded. If you choose to ignore this demand, I will pursue a direct course offered to me under the SETTLEMENT AGREEMENT entered into by the Credit Reporting Agencies with the ATTORNEY GENERAL OF THE STATE OF NEW YORK XXXX XXXX XXXX XXXX XXXX XXXX and 37 other states that specifically EMPOWERS a working group to remediate and hold accountable and sanction data furnishers who fail to meet the requirements of the FDCPA and CFPBs compliance guidance for Professional Debt Collection Practices. If your firm chooses not to respond to this VALIDATION demand and its conditions I will NOT hesitate to FILE suit and SEEK my own payday against your firm for malicious collection activities-see Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept. 2004. You have 30 days from the postmark date of this validation demand to answer.
Consumer complaint received 2016-03-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (FL)

To knowingly or willingly employ any device, scheme, or artifice to defraud ; ( b ) To engage in any transaction, practice, or course of business which operates as a fraud upon any person in connection with the purchase or sale of any mortgage loan ; or loan modification ( c ) To obtain property by fraud, willful misrepresentation of a future act, or false promise. ( d ) In any matter within the jurisdiction of the office, to knowingly and willfully falsify, conceal, or cover up by a trick, scheme, or device a material fact, make any false or fraudulent statement or representation, or make or use any false writing or document, knowing the same to contain any false or fraudulent statement or entry. 
To violate s. 655.922 ( 2 ), subject to ss. 494.001-494.0077. 
Commission of fraud, misrepresentation, concealment, or dishonest dealing by trick, scheme, or device ; culpable negligence ; breach of trust in any business transaction in any state, nation, or territory ; or aiding, assisting, or conspiring with any other person engaged in any such misconduct and in furtherance thereof. 
XXXX XXXX from Suntrust engaging in constant concealment and misrepresentation of facts. 
Borrower was charged for items or " Advances whit the borrower already had long paid : This complaint is to address the XXXX/XXXX/2012 $ 107.29 % XXXX/XXXX/2012 alleged advances for which the borrower already paid again part of non existent and concocted modification : 1 ) Borrower was charged {$100.00} which XXXX XXXX from Suntrust is insisting it was not paid! The receipt & even the statement from Suntrust acknowledged the payment of {$100.00} ( see attached ) 2 ) Borrower was charged again for the {$210.00} which was already paid back. The amount was subtracted by Suntrust already in from the borrower escrow balance in XXXX 2012. 
-See statement for XXXX/XXXX/2012 Escrow balance as of XXXX XXXX {$2600.00} -See statement for XXXX/XXXX/2012 XXXX/XXXX/2012 the hazard insurance is paid XXXX - {$2800.00} = - {$210.00} Same statement the payment from XX/XX/XXXX adds money to escrow + {$600.00} See escrow balance now = {$390.00} If the advance of {$210.00} would not be subtracted the escrow would be {$600.00} This is just simple math! How can XXXX Bank/Mortgage investigator be so incompetent! 
This is another {$310.00} charged to borrower for payments that were already made!
Consumer complaint received 2020-05-25
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2016-10-22
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Credit Service Company, INC (WY)

On Thursday, XX/XX/XXXX, I listened to XXXX messages from XXXX ( a woman 's voice ) and XXXX ( a man 's voice ) with the exact message. " You have an important message from Credit Service Company. This is a call from a debt collector. '' When I called the first number, I was told my call was being recorded and then when I asked who they represented, they asked for my personal information. I informed the woman I was tape recording the call, she hung up. I called the second number and heard a recording that my call was being tape recorded, a man came on and I asked to speak to a manager. The man said, " You are in no position to ask to speak to a manager! '' I then told him, I was taping the call. The man stated, " That was impossible! '' When I said I was holding my cell phone to the receiver, he hung up! 
I looked on line for the company called Credit Service and called the number listed. The number has been disconnected. ( XXXX ) To my knowledge I have no outstanding debts and my credit is excellent. How do I find out in a safe manner if I do have an outstanding debt? Giving my SSN etc. to anyone especially on the phone etc. is not anything I am willing to do! 
Thanks
Consumer complaint received 2020-05-27
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: Midwest Recovery Systems (TX)

My name is XXXX XXXX, Im only XXXX years old I started building my credit at XXXX but I stupidly had lots of credit cards at the age of XXXX but when I turned XXXX I paid most. And when I checked my credit score a couple days ago I see this one I never ever seen before it just upsets me seeing companys trying find any money. I have no idea what the XXXX it is : / just upsets me because in a couple days Im turning XXXX and it just sucks knowing someone took your identity and did this. If yall can please just help me I dont want to have this on my report for the next 6 years please
Consumer complaint received 2020-05-25
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: Experian Information Solutions Inc. (CA)

To : Whom I

t May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT -- 1. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2024-10-22
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. (GA)

I would like to start off by saying I am a victim of identity and I have been since XXXX. I have had fraud prevention alerts on my credit that I have since removed but I try to monitor my credit as much as possible. On XX/XX/XXXX| noticed I had an account reporting on my credit that was not made by me or authorized by me. Once I noticed this fraudulent account on my credit profile. I disputed directly with the credit bureau Experian and they continuously report this fraudulent account to my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to these fraudulent accounts reporting on my credit report, it has caused a great deal of stress and financial hardship and has hindered me from moving forward with my personal business and livelihood.
Consumer complaint received 2019-05-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (TX)

XX/XX/XXXX US bank raised my mortgage due to Escrow shortages. They didnt call or email they just sent a letter in the mail. Honestly looked just like my statement. Called them we basically split the difference really silly. It's all recorded I was asked to pay XXXX different amounts. I asked for a supervisor back in XXXX still to this day XX/XX/XXXX still have yet to speak with supervisor. My payments started out at XXXX in XXXX by XXXX I am at XXXX I get the tax and stuff. My Escrow account is alway XXXX because they move things around saying that I owed them from past years. The company stated that I have to have a Escrow balance of XXXX to start every year. But I always am short so I have to pay back the Escrow shortages and my payments go up. My credit score was a XXXX in XXXX now I'm having trouble getting it back up. I have almost XXXX in equity in my house but I cant refinance it due to the one missed payment and I cant catch up due to the Company wanting to break that one payment up over 3 months so I would have to pay almost XXXX a month which is not happening. If yall can pull the calls and just listen to what they said and how they are screwing me over. 

Also they sent me a project Escrow payment for the year which was XXXX. But for the whole year of XXXX I payed XXXX a month just in Escrow.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (OR)

I am writing regarding unauthorized bankruptcy entries that have appeared on my consumer report. Upon review of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 4 ), I assert that these entries violate my consumer right to privacy, as my personal information was released without proper authorization.

I have confirmed that I am a victim of identity theft, and these bankruptcy entries are fraudulent. Under federal law, you are required to : 1. Remove unauthorized entries 2. Protect consumer privacy 3. Maintain accurate reporting
Consumer complaint received 2020-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE FARM BANK, FSB (FL)

THIS IS A COMPLAINT AGAINST STATE FARM BANK. FSB I request your company to stop reporting an account that says it belongs to me, I request that the account that was opened without my permission and without my authorization be blocked from your credit files and collection systems and by Please stop reporting to credit agencies this account that hurts me greatly. 

The account is State Farm Bank, Account Number XXXX The information contained in this account is being reported negatively in my credit report, I make it clear that this account is not related to any transaction made by me. Such transactions are the result of identity theft. 

Please Block this information from your files and send the required notice to all credit bureaus to stop reporting this account that does not belong to me. In addition to the fact that you are reporting an account opened under fraud. As you should know that it is illegal and incorrect for a fraudulent account to be reported and that it can not be verified because all the errors they have do not belong to me., I make it clear that all the information reported by my name and social security number related to this account. It is a fraud and that is why : I have the right to request and demand that these fraudulent accounts be blocked immediately. In accordance with the Federal Laws that protect me, since I am a victim of identity theft and I provide a police report and all the documents required by law to support this fraud, sections 605B and 611 of the Fair Reporting Act, which states that
Consumer complaint received 2016-01-19
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (FL)

ref : XXXX. 
On XXXX/XXXX/2015 I sent the claims package with the signed check to Ocwen, paid extra money to get the money returned to me overnight. Ocwen deposited the money and my statement shows the money applied as of XXXX/XXXX/2015. 
I have called XXXX XXXX 3 times and left messages without getting any return phone call. I started the work needed, had I not done that, I would have been flooded twice. 
Just how much time do they need to return some money ( my money ) to me. What is the proper procedure from here. This problem now is going on 3 years, enough is enough.
Consumer complaint received 2019-06-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (AZ)

This is the 2nd time I've reported on this company. This time the debt is paid in full, but still being reported and lowering my score. When I've tried to call the company, but there is no answer. I've tried several times before contacting you. The original debt was about {$4000.00}. Ive contacted one of the credit bureaus to file a complaint for the second time. Im contacting this company for the second time as well. This was paid off  through their site on XX/XX/XXXX. Its still being reported to my credit
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2016-05-12
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Onity Group Inc. (NY)

Ocwen contacted me by mail in reference to a debt your firm alleged that we owe monthly payments from XXXX XXXX thru XXXX XXXX, XXXX on our property I discovered this week from the XXXX that XXXX filed and recorded a Satisfaction of Mortgage on XXXX XXXX, XXXX and stated that the loan was not been assigned and has been paid in full.. This action stemmed from a Department of Justice lawsuit targeting XXXX XXXX in XXXX and XXXX. As a courtesy, I 've attached the information. 


I would like more information about this alleged debt. Accordingly, pursuant to 23 NYCRR 1.4, Substantiation of Consumer Debts, I kindly request that you provide me with substantiation of this debt. 

Pursuant to the regulation, 23 NYCRR 1.4 ( c ), for all charged-off debts, substantiation should consist of : 1. The signed contract or application that created the debt, or, if neither exists, a copy of a document given to the alleged debtor while the account was active, demonstrating that the debt was in fact incurred by the debtor. If the debt was incurred under a revolving credit account, this could include the most recent monthly statement showing a purchase, payment, or balance transfer ; and 2. The account statement at charge-off, or equivalent document, that the original creditor issued to the consumer ; and 3. A statement describing the debt 's complete chain of title from the original creditor to the present creditor, including the date of each assignment, sale and transfer ; and 4. Records showing the amount and date of any prior debt settlement agreement in connection with the debt agreed to after the effective date of these regulations. 


The regulation further requires that you provide substantiation to me within 60 days of your receipt of this request for substantiation, and that in view of my request for substantiation, you must cease collection until substantiation has been provided. 23 NYCRR 1.4 ( b ). 

I 'm also requesting all monies that were paid you regarding the loan charges you are still attempting to collect on be refunded back to me by check in 30 days. Under Loan Charges '' Any sums collected from Borrower will be refunded This loan you are attempting to collect, has no enforceable interest. '' As stated in the Security Deed filed, recorded and was not certified by the XXXX XXXX XXXX to secure the note. 


Please send substantiation of the debt to :
Consumer complaint received 2016-09-08
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

We have been approved for a trial payment plan for a HAMP loan modification. The unpaid principal balance for the loan modification would be {$580000.00}, but the ending scheduled investor balance is {$520000.00}, based on the XX/XX/XXXX remittance report. According to the Pooling Service Agreement of the Option One Mortgage Loan Trust 2006-1, Section 4.04 Remittance Reports ; Advances, the obligation of the Master Servicer to make Advances is mandatory, even if the mortgagor does not make payments.