davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NJ)

Subject : Debt Validation Request I am writing to formally request validation of the debt you claim I owe, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt, and before I take any further action, I require the following information : 1. **Proof that you have the legal right to collect this debt** ( either the original signed contract or other valid documentation ).

2. **Details of the original creditor** ( including the name and address of the original creditor and the account number with the original creditor ).

3. **A detailed explanation of how the amount you claim is owed was calculated**, including fees, interest, or any other charges added to the principal.

4. **Documentation that shows the debt is within the statute of limitations** for collection in my state.

5. **Proof that I owe the debt** to your organization or that you have been assigned the right to collect this debt.

6. **A copy of the purchase agreement or assignment agreement** that transfers the debt from the original creditor to your agency, demonstrating that you are legally authorized to collect on this debt.

Please treat this letter as a dispute of the debt, and cease all collection activities, including reporting this debt to any credit bureaus, until proper validation is provided.

I expect to receive these documents within 30 days of receipt of this letter. Should you fail to provide this information, I will consider the debt invalid and will expect you to cease all collection activities and remove any information related to this debt from my credit reports.

Thank you for your attention to this matter.
Consumer complaint received 2021-01-08
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. (TX)

USBK COURT XXXX TEXAS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX showing 3 not mine or known to me filed the ftc please correct also sent to XXXX XXXX public records to be removed XXXX XXXX  XXXX XXXX, XXXX remove address not mine
Consumer complaint received 2021-01-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (CA)

Guarantee Rate affinity, gave me a pre approval knowing that my new home was a manufactured home on land and had no issues with credit or down payment. We started this process in last XXXX early XX/XX/XXXX. We were told XXXXwas going smooth and that our loan was scheduled to close on the XX/XX/XXXX. I was told and paid for appraisal and the company was to have it on Friday the XX/XX/XXXX. When it went for final review the head underwriter stated that this house had to cure for 6 to 12 months. Mind you they knew from the start it was a manufactured home on land and had no issues. I received an approval of my loan on XX/XX/XXXX. And was scheduled to sign around the XXXX. That was perfect timing as my current home was sold and I had to be out by XX/XX/XXXX. The lender called me and stated that the loan couldn't go through and had to sit vacant for the time allotted in order to do the loan. I was never told this and no one ever told me anything, I was told by my realtor who the lender called and disclosed this to her. Privacy issues. They told me that they had done the appraisal and I was told the night of XX/XX/XXXX the appraisal was never done. Now I have to start this process all over and i may lose my dream home because this morgage lender lied to me and came up with a law that does not exist.
Consumer complaint received 2021-01-07
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: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX. I submitted a dispute on an old XXXX XXXX XXXX XXXX credit card that is no longer open with Experian. They have 30 day late marks on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have called the creditor XXXX XXXX to have the statements of these dates sent. I was never 30 days late on this account. I submitted every statement from the dates listed above and the preceeding months to prove I was never 30 days late. Experian finished the report on XX/XX/XXXX saying that they arent changing anything. This account is also reported by experian to have a {$15000.00} balance which isn't possible because the card and account no longer exist. The dispute report number is XXXX. I need this rectified as it is hurting my credit and would like to apply for a mortgage!
Consumer complaint received 2024-10-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (WA)

I called and spoke with several different people over the years, and I received a different story from each with no real resolution. I have no way to afford the payments, and they continue to triple in amounts. I was at one time told I didn't qualify for lower payment and that I should borrow from family to start paying the way. I feel alone in this and at this time in my life being XXXX XXXX XXXX I will probably take this to the other side, I am just tired of fighting a losing battle with XXXX.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2021-01-08
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. (AZ)

On XX/XX/2020, I closed on my mortgage account with XXXX, I had been in forbearance from XXXX-closing. When I went into forbearance, I was current on my mortgage and had not missed a payment. When I closed on my mortgage by selling my property, I paid the loan in full, with all interest included. XXXX reported me not only 90 days delinquent to my creditors, but they reported the closing of my loan as XXXX for some ( Equifax ). We have attempted to fix this problem with XXXX, who sent us a letter assuring us it had been resolved with the credit bureaus. I gave the letter to the credit bureaus ( namely Equifax ) who would not take my word for it and said they needed to hear from XXXX. It has now been over two months ( two weeks past the time XXXX had said it at the latest would be removed from my report ). Interest rates are skyrocketing. We have not been able to purchase a home for four months due to this error when I fulfilled every single one of my obligations. I complied with the terms of the forbearance plan by paying off the loan in full prior to the end of the forbearance term. I contacted Equifax and asked them to remove the late payment. They refused.
Consumer complaint received 2021-01-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (GA)

XX/XX/2021 I checked my balance on mobile app, figured funds were low. Had ACH transaction scheduled ; went to drive thru to make deposit-both drive thru ATM machines were unavailable. Went to walk up ATM -same problem. 

XX/XX/2021 same situation. Now saw on mobile app that {$29.00} return fee will be charged. Stood on line to go inside to make a cash deposit ; was told I would need to contact representative either by phone or message to her {$29.00} returned to my account. Sent message inquiring if {$29.00} could be returned to my account & if I could make cash deposit at other location, ( but that location HAD CLOSED with no REOPENING DATE ).
Consumer complaint received 2021-01-07
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: NRA Group, LLC (OH)

Notice for Proof of Claim Account : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, NTL RECOVERY AGENCY # XXXX To Whom it may Concern : Thisis a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment ofdebts States ( C ) No collection agency shall commence litigation for the collection of anassigned account, bill, or other evidence of indebtedness unless it has taken the assignmentin accordance with all of the following requirements : Credit contracts are non-assignableeven if the contract has a clause for assignability because it violates the contract Law.Where there is no fair valuable consideration given, the contract or agreement is void abinto. The debt is non-transferable. If it is a contract for credit or goes to the character of theparties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment wasmanifested by a written agreement separate from and in addition to any documentintended for the purpose of listing the account, bill, or other evidence of indebtedness withthe collection agency. The written agreement shall state the effective date of the assignmentand the consideration paid or given, if any, for the assignment and shall expressly authorizethe collection agency to refer the assigned account, bill, or other evidence of indebtednessto an attorney admitted to the practice of law in this state for the commencement oflitigation. The written agreement also shall disclose that the collection agency mayconsolidate, for purposes of filing an action, the assigned account, bill, or other evidence ofindebtedness with those of other creditors against an individual debtor or co-debtors.Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart , 13 Id 646. Once the Creditorwrites off a debt, it can not be assigned or Collected. Since this is an error I demand that yousend me the following proofs. As you are obligated to do in accordance with the Fair DebtCollection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have30 days to supply these proofs, if more time is needed please contact me by certified mailand I will extend you 15 extra days. I also request to see a certified copy of any contract oragreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2021-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2021-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

today XX/XX/21. I sent XXXX XXXX  ( stellar ) coins from my Coinbase pro account, worth over XXXX dollars at the time of incident, to my regular Coinbase account. The accounts are linked and I send coins/money back and forth all the time and never had an issue. When I sent them today, I did not get a transfer history, confirmation email, zero notification that the coins were sent from one Coinbase account to the other. The coins are gone in both accounts. XXXX  is supposed to be very secure. But this happened in house. Was not trying to send coins off Coinbase. Contacted Coinbase 3 times today via email and theres no live person to answer the phone. I was also locked out of my Coinbase pro account all day.this happens at XXXX XXXX. I finally got back in at XXXX. When I got back in the XXXX coins still appear to be in my XXXX wallet, but my account balance is at XXXX, and the amount the coins are worth are posted on orders. The only way they price of the coins should be posted on orders is if I set up a limit order to sell all XXXX on to the open market. I did not do that. I just was trying to transfer them into my regular Coinbase account.I never had a problem like this and I referred friends and family to Coinbase. I understand Im not the only one who had money disappear from their account today. And def did not lose as much as others. But its principal. I was relying on that money today. And this situation left me with my heart in my mouth. Im really hope Coinbase will help me after reading this
Consumer complaint received 2024-10-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: FIRST CITIZENS BANCSHARES, INC. (MA)

The bank has been tossing my account around. I have requested multiple times an explanation/ detailed on the amount they arrive at in the modification because the math doesn't add up. Notwithstanding that the bank failed to send the requested information to the Massachusetts assisting program ( HAF ) and the program denied me of a assistance i was entitled to because of this failure. this been going on for almost 2 years now. I have provided all necessary documents as requested but at some point they couldn't even find my account. 

I don't want to lose my home and it seems that the bank is doing everything possible for this to happen.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (TX)

Uplift , Inc reported to XXXX a balance of {$70.00} on XX/XX/XXXXXXXX  and has been marking the debt as a charge off from XX/XX/XXXXXXXX  to XX/XX/XXXX. This information is incorrect. I never received a letter informing me of a balance. The account was set to auto draft and a paid the debt in full.
Consumer complaint received 2021-01-07
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: EQUIFAX, INC. (NV)

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following inquiry is not mine. 
XXXX - XX/XX/2019 Account Number : 2. The following inquiry is not mine. 
XXXX - XX/XX/2019 Account Number : Please remove it from my credit report. 

3. The following inquiry is not mine. 
XXXX - XX/XX/2019 Account Number : Please remove it from my credit report. 

4. The following inquiry is not mine. 
XXXX - XX/XX/2019 Account Number : Please remove it from my credit report. 

5. The following inquiry is not mine. 
XXXX - XX/XX/2019 Account Number : Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 

After calling numerous times, Equifax has not deleted these items when XXXX  and XXXX  already did.
Consumer complaint received 2021-01-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NE)

I recently re-financed my home last year with caliber home loans. I submitted all the documents for my homestead exemption. There was nothing in any of my loan documents that stated that they would continue to collect taxes from me. They continued to do so and after several conversations via phone and email to Representatives of caliber, I was unable to get them to stop collecting money from me that I was not liable for. They claim that they are legally able to so since, in the state of Nebraska we have to refile every year for the homestead exemption. This may be true but I don't think this gives them the right to collect money from me that I am not liable to pay due to both a state and federal law that excludes me as a XXXX person to pay home taxes!! I have over {$2000.00} in escrow right now that they are withholding from me. I do not believe that this is, nor should be legal! I am not liable for taxes so why are they legally able to collect them from me?
Consumer complaint received 2021-01-07
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. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-01-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (CA)

please refer to attachments provided. 

I need proof that my very OLD equity loan from 2007 with National City Bank is satisfied/closed as I am selling our house and it is critical for us to have proof of this as their is a lien on my house. We can not leave this unresolved. There is no record of reconveyance or discharge in the public records. 

PNC Mortgage/PNC Bank phone # XXXX has on record that closed account # XXXX acquired National City Mortgage/National City Bank. In contacting PNC, they said my loan was transferred to XXXX. After contacting XXXX  ( XXXX research dept XXXX confirmation # XXXX ) THEY do NOT have my loan information nor do they have any information of a merger or loan transfer with PNC Mortage/PNC Bank or National City Mortgage/National City Bank. PNC Mortgage/PNC Bank provided me with incorrect information and wasted my time. I believe the loan was satisfied before PNC acquired National City Mortgage and I just need a letter from PNC that this loan is closed and satisfied. They said that since National City is dissolved there's no way to acquire this. I have spoken to multiple representatives XXXX none of which has been able to help me obtain the information I need. They keep escalating it to their research department who conveniently can NOT be reached or contacted directly EVER. There's never anyone I can speak to to get what is I need. Since they acquired National City Bank, they are responsible for getting me this information and they have been uncooperative. No one I speak to can give me a direct answer and it to be sent to someone else. That someone else can't ever be reached directly and their research people only have the ability to direct me to a bank that does not have my loan information that PNC claims was transferred to them. I have been spoken to numerous people with no avail and have completely wasted my time in this effort.
Consumer complaint received 2021-04-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

Tried to reach Bank of America but put on long hold. Im receiving statements which are mailed significantly after the billing cycle ends which gives me little time to make the payments on time. Recent example : the statement date was XX/XX/XXXX but bill was postmarked XX/XX/XXXX. I received the bill on XX/XX/XXXX and the due date is XX/XX/XXXX. This gives me 2 days to get the bill paid!
Consumer complaint received 2021-03-25
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. (CO)

Experian allowed someone to create a fraudulent account on their website using my identity information and a fraudulent email address. Apparently, that account had been active for a number of years. 

When, by chance, I discovered the breach a little over a month ago, I called Experians customer service and they put an immediate alert and a credit freeze on my credit file and locked all access to the website.

I was able to submit the necessary paperwork to Experians Fraud group through their online upload to enable them to reinstate me as the rightful owner of my credit file. I then discovered that my website access was still locked.

Although Experians " Fraud '' group had the necessary paperwork to correct the ownership issue, their Online group was not permitted access to that paperwork and I was forced to submit that same paperwork again, this time, by postal mail.

So, I submitted the paperwork to the Online group through certified mail. It has been close to three weeks since they received the paperwork and I have yet to be contacted by their online customer service as I requested.

I requested that they contact me because of the impossibility of reaching a customer service representative through their phone answering or email systems. Apparently, there are no actual human beings at Experian -- only PBXs and mail servers.

I have tried every possible means that I could find via phone or email to reach a real live customer service representative but I have yet to have any success. I have been working at this for close to three weeks and absolutely nothing.

Experian has received my identity verification and contact information twice and yet I can not get the website lock removed simply because I am unable to penetrate their security barriers to speak with a human being who can actually help me.

This problem is of Experians own making. They enabled a fraudulent breach of my credit file and now they are making it impossible for me to fully correct the problem due to their own draconian contact security structure. Its just simply amazing
Consumer complaint received 2021-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (OH)

A company named XXXX is calling on behalf of XXXX. 

Theyre asking me to verify private information before they will tell me why they are calling. 

I have not given any private information and they wont give me a reason that they are calling. 


I called XXXX who I do currently do business with and all of my bills are paid and no outstanding items were ever sent to any collections agency. They also said that they do not do business with any company called XXXX. 

So this is an attempt to collect a debt that is fraudulent and theyre trying to steal my personal information. 

The phone number that they are calling from is : XXXX