davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ascendium Education Group (PA)

We have repeatedly been harassed by collection agencies for debts that DO NOT BELONG TO US.  I have had to turn off my home telephone do to the non-stop harassment, even though the agencies were told by the PA Attorney General 's office to stop contacting us for someone else 's debt. Now I see you are thinking of giving even more HARRASEMENT Services to collection agencies who don't even verify whom they ae contacting @!!!!! 

Just last month my husband 's EMPLOYER received a call on their personal Work cell, which resulted in an error being made in verifying whom my husband was and they had set up GARNISHMENT of MY HUSBANDS WAGES to the tune of {$60000.00} for someone else 's DEBT!!!! 

EXCERPT OF EMAIL HE RECEIVED : On Thu, XXXX XXXX, 2019 at XXXX XXXX XXXX XXXX XXXX @ > wrote : XXXX, I wanted to let you know, we have received a Garnishment Order that requires us to deduct 15 % of your disposable income every pay for payment to Ascendium. This payment will be going to XXXX XXXX XXXX, phone number XXXX reference no XXXX. If you have any questions please contact this Agency. 

I contacted the agency, who repeatedly transferred me to other people till I finally talked to a manager whom I notified we had already previously complained to the PA Attorney General about constant harassment and she verified they HAD THE WRONG SSN for the Garnishment! She then HUNG UP ON ME! 

My husband had to go into his employers office and get a Office Manager to re-contact them and have the Garnishment Removed. Their was an employee error in verifying my husband, but that is NO EXCUSE the Collection Agency should be verifying whom they are owed money from BEFORE contacting someone's employer! 

We were told the Debt was actually owed from someone in OHIO and WE HAVE ALWAYS been PA RESIDENTS! 

We constantly have to reverify ourselves with our LOCAL PA TAX BUREAU as they had received false information that didn't make sense to them from OHIO, as we have been paying them Pa Local taxes all our lives. 

THIS HAS TO STOP! I don't know what they are using to verify whom they are calling but they sure don't verify they are calling the correct people or relatives! and once One agency finds out they are calling the INCORRECT PERSON THEY SHOULD ADD THE INFORMATION SO WE ARE NEVER CALLED AGAIN!
Consumer complaint received 2020-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

A bankruptcy on credit report and i recieved a letter from the court and they said don't report to any credit bureaus at all, all 3 credit bureaus is reporting this without permission, the courts didnt tell them to, if they are wrong they meed to delete it from my report, are they breaking any reporting laws please dind out for me thank you
Consumer complaint received 2020-08-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

Provide all billing statements dating back to the opening the account. Account for all fraudulent charges and fees place on my account. Account for every payment that has been made on this account. Provide any receipts or documentations for every charge made to this account. Any charges made to that account outside of XXXX XXXX need to be further investigated. Provide any documentation that justifies the current balance.
Consumer complaint received 2019-05-14
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: ERC ()

Hi I am contacting you once again because these credit agencies keep reporting accounts that do not belong to me and I want them removed from my credit report at once and permanently not just for a few months and then when my credit score gets good then they report again. These companies are committing fraud and need to be stopped at once. I have written these companies and submitted police reports over and over yet they do nothing. I am XXXX and pay all my bills one time and Im a single mother of a XXXX XXXX  and these companies are destroying my life by the fraudulent reporting they do and they need to be stopped. I want this account removed off my credit reports because it doesnt belong to me and it is fraud Name ENHANCED RECOVERY Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/2019 Status Collection account. {$1500.00} past due as of XX/XX/2019. 
Status Updated XX/XX/2019 Balance {$1500.00} Balance Updated XX/XX/2019 Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$1500.00} Highest Balance {$0.00} Terms Also XXXX and XXXX are reporting new hard credit inquiries from XXXX XXXX XX/XX/2019 which are fraudulent and do not belong to me and I want removed immediately off my credit report and also XXXX XXXX Inquiry from XX/XX/2019 + Bank XXXX Card Inquiry from XX/XX/2019 + Bank Which are fraudulent and do not belong to me and I want removed off my credit report at once. And I want those enhanced recovery people to delete my information from there data base because it is fraudulent and that account that they are reporting doesnt belong to me and I want it removed at once.
Consumer complaint received 2019-02-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

On XX/XX/2018 i filed a chapter XXXX bankruptcy in federal court. # XXXX XXXX. This bankruptcy was filed because i was threatened by the mortgage servicer and threatened with foreclosure. 
My home met qualifications for federal & state exemptions. My missed payments and fees were listed in my schedules. The mortgage servicer & underwriter did not object to the discharge. The mortgage servicer is still threatening me with foreclosure using the debt that was discharged. 
Please help. I ama victim. I am didcriminated against & violated by this servicer. 
XXXX XXXX XXXX XXXX XXXX IL. XXXX XXXX XXXX IL I am XXXX, XXXX and my source of income is unearned XXXX with XXXX XXXX
Consumer complaint received 2019-02-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: JPMORGAN CHASE & CO. (NY)

I just discovered multiple, unauthorized transactions on my Chase Checking account from XXXX. I contacted my bank, Chase and spoke to XXXX Chase Bank Representatives about the 36 unauthorized charges from XXXX, XXXX CA. Chase Bank Representatives looked into the charges on my checking account and transferred me to the Claims Department. The Claims Department Specialist closed my chase credit card and put in another new card for me to receive. I received the new Chase credit card on XX/XX/19. I explained to the Chase bank Representatives that I did not makes any purchases with XXXX nor use my chase credit card on XX/XX/19. However, the unauthorized charges from XXXX are still on my Chase Checking account. Chase Bank allowed XXXX XXXX to withdraw all of my funds out of my checking account. I am in the negative status. Why would Chase Bank allow XXXX to gain access to my funds that is unethical.
Consumer complaint received 2020-09-22
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: Convergent Resources, Inc. (NV)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.
Consumer complaint received 2019-02-12
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

transunion, has 2 inquiries on my credit report without my permission. transunion has not answered my letter requesting method of verification. XXXX XXXX and XXXX. transunion only tells me the information was verified and then sends me nothing else after 45 days has expired. the are in violation of FCRA, and still have not send me anything
Consumer complaint received 2019-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (CO)

I did a balance transfer from 1 credit card company to wells Fargo. The terms of the balance transfer for Wells Fargo were 0.00 % interest for the term of the balance transfer which means I would not have to make any payments whatsoever. Now, without any notification or changes to our agreement, Wells Fargo is making me pay monthly payments on this balance transfer. This is a BREACH OF CONTRACT, and should be considered illegal.
Consumer complaint received 2019-02-12
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. (MA)

First, I am a victim of identity theft. On XXXX I sent a notarized personal statement to XXXX XXXX/Executive Office listing all of the fraudulent accounts, inquiries, phone numbers, addresses and employers. On the same date I also sent 2 FTC identity theft reports, a police report and a color photo of my driver 's license ( for proof of my identity ). On XXXX I received an Equifax credit file. This credit file still shows 1 fraudulent address ( XXXX XXXX XXXX , XXXX, MA XXXX ), 1 fraudulent account ( XXXX XXXX XXXX XXXX # XXXX ) and 1 fraudulent contact/phone number ( XXXX ). Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days ( today is XXXX ) which means your Equifax is in violation of the Fair Credit Reporting Act. 

Second, on XXXX I sent a letter to XXXX XXXX /Executive Office requesting to have the extended fraud alert removed from credit file. I attached a paystub with my complete SSN to satisfy identification and a utility bill with current service address to satisfy current address. On XXXX I received a letter from Equifax stating : " We're unable to locate a credit file in our database with the identification information you provided. In order to further assist you, we will need additional documents to verify your identification. Please provide your complete Name, Current and Former Addresses, Social Security Number and Date of Birth. We ask that you please send us a copy of two different items - one from each of the two categories listed below.One to verify your identity and the other will verify your current address. ''
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (CA)

On XXXX XXXX2019 FORD MOTOR CREDIT REPORTED ME TO XXXX  CONSUMER CREDIT AS BEING LATE I MADE A PHONE PMT BUT FOR SOME REASON FORD DID NOT CAPTURE MY PMT AND REPORTED ME AS 31-59 DAYS LATE THIS IS CLEARLY INCORRECT REPORTING AND FORD REFUSE TO FIX THE ISSUE.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

Navient had informed me that the my payments were current. A credit report showed that i was in good standing in XXXX loans but not the XXXX other loans. I called the customer service rep and they informed me that i was late on XXXX loans, and that i should consider placing the loans on deferrment.
Consumer complaint received 2019-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST HOME MORTGAGE CORPORATION (MD)

I received two letters from First Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX concerning my current home and property that stated that I was behind and they are attempting to collect a debt for my mortgage payment at XXXX XXXX XXXX XXXX XXXX MD XXXX, which the mortgage has been paid up and til XX/XX/2019. I called and spoke with the representative name XXXX today a little after XXXX XXXX this morning. She informed me that they received papers signed by me for a loan modification. I informed the XXXX XXXX that I have not requested any such thing, and it sounds as though some type of scam or fraud is going on. This is why I am reporting this, because it is very concerning to me. I will attach copies of the letters received, as well as proof the mortgage has indeed been paid. I am not sure what is going on, but I do not like it. There is some funny business going on somewhere, and I am not amused.
Consumer complaint received 2019-05-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (WA)

I paid off my lease with Kia Motor Finance in XX/XX/XXXX. I purchased the car from XXXX XXXX XXXX in XXXX WA who set up the lease. I completed the odometer statement in XX/XX/XXXX. I've never received my title. I've called 3 times over the year and each person couldn't figure out why I haven't received it and said they would send it again. On XX/XX/XXXX the person said the odometer statement was denied. She reviewed the statement and said she doesn't know why it was denied because it's was completed correctly. She said she will email the odometer team. I have no faith that after my fourth 20 minute phone call that I'm any closer to receiving my title that should have been sent XX/XX/XXXX.
Consumer complaint received 2023-07-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Revco Management, LLC (NY)

On XX/XX/XXXX I received a letter from a collection agency, Revco Solutions , Inc. stating they were seeking {$85.00} for a bank account that has been closed in XXXX. The letter does not state what this fee is for. The account was closed in good standing. Therefore I am disputing this charge they are seeking. I have contacted the Financial Institution in question and I am awaiting a response. In the interim I have also attempted to contact the collection to no avail. I called and the prompts stated that I should leave my information on a voicemailbox.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

A collection company illegally notified all 3 crdit reporting agencies that I owed a debt. I submitted a dispute to all 3 credit reporting agencies in regards to this matter. The other 2 agencies ( XXXX  + XXXX ) removed the information from my credit file. Tranunion, even though they said I was correct, and they were supposed to remove the information from my credit file, IS STILL SHOWING THE DEROGATORY INFORMATION THE COLLECTION AGENCY REPORTED TO THEM TWICE AGAINST ME. THEY STILL HAVE NOT REMOVED THE INFORMATION! I have tried to get them to remove the information, but as of today it is still on my credit file with them.
Consumer complaint received 2019-02-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (LA)

I initially had a loan with XXXX XXXX in XXXX, LA and had been doing business with them for about 4-5 years. They were bought out by Tower Loan a few months ago. Their employees and customer service is HORRIBLE!!! I am currently experiencing a financial hardship and have been for about 2 months so my payment has fallen 30 days behind. I have explained to them that my husband is on XXXX and has had 4 XXXX XXXX in the last 5 years. Last month ( XX/XX/XXXX ) they called me and for the payment in which I informed them would be late. I spoke to their manger, XXXX at the time. He threatened court costs and fees if I did not make the payment within 1 day of his call. I was able to stretch and make the payment by borrowing money from my mom which put me even further behind and naturally continued into the month of XXXX. They are aware that I get paid bi-weekly and that my husband receives his XXXX at the end of the month but insist on calling me on the weeks I do not get paid and I have been in constant communication with them regarding when we get paid. Today, XX/XX/XXXX the office in XXXX, LA called me again 3 times within 1 hour and did not leave a message. Needless to say I was at work making money to be able to pay them. I called them back and spoke to XXXX, I informed her that I was hopeful I could pay them on XX/XX/XXXX when I got paid but was unable to due to other obligations and that it would definitely be on XX/XX/XXXX when I get paid and again on XX/XX/XXXX when my husband receives his XXXX. She immediately got rude, belittling and harassing telling me that if I did not pay by XX/XX/XXXX they'd put court costs on my account of {$220.00} to accommodate for me and my husband being borrowers on the loan, I told her that was a scare tactic and that I could not pay them until I get paid. I asked to speak to the manager which is now different than last month, her name is XXXX. XXXX did the same thing and told me she needed the payment by XX/XX/XXXX or she would be placing the court costs on my account and / or they could come and pick up the collateral which secures the loan. I gain tried to explain my situation and assured her that payments would be made on XX/XX/XXXX and XX/XX/XXXX. I asked for the distract manager 's name and number and asked for that person to call me. XXXX assured she would email him to contact me by the end of the day and Mr.XXXX XXXX has yet to do so. I also explained to XXXX that I have a loan with another one of their offices in XXXX, LA and informed her that I was facing he same situation with them last month and this month and that they have not spoken to me nor treated me the way that their office has. I asked if they were definitely the same company which XXXX confirmed they were.
Consumer complaint received 2019-02-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (TX)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Texas XXXX Acct XXXX This is the information, I did everything asked of me. To get the agreement in yet Ocwen is again trying to deny my modification. This is wrong i am now being asked to fill out yet a 4th package and this is wrong I paid {$50.00} to have this notarized. I want my disaster modification reinstated. This have been a nightmare dealing with Ocwen. I am beginning to get sick behind this. I had XXXX and now i am getting sick behind this. Ocwen have tried to sale my house 5 times now. This is wrong. I live in a declared disaster area. If this is not taken care of i will be forced to retain a lawyer. Because i did all that was asked of me the package was delivered on time and notarized on time and i have included proof. That i did all i was asked. They should be calling the notary man. If his part is wrong its not my fault. Ocwen need to call that man and ask. Because all that was required of me was completed before the XXXX i am not a notary so i do not know the rules. As to what his ( notery ) is supposed to do signiture wise or whatever. So i would not have known this was incorrect at all. Had i known i would have had the man correct it asap. Ocwen is yet again trying to deny my modification on wrongfully accusing me of sending them copies instead of orginals.
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

I have one loan in my 28 years of living giving me the same issue. Whats happening is the loan is being sold over and over and over again. Upon my research in fact Nelnet have two different account numbers for the same loan making it look like more than what it is. I also reached out to them because this loan was established in XXXX! Its XXXX and Im still fighting to have this removed! I currently got in touch with the creditor that have the loan today to work to get it in rehab status. My issue is I also reached out to the credit agencies all 3 major ones to despute all inaccuracies and try to get stuff of my credit. So far only one has succeeded in one account! The others will not budge! So nelnet, then XXXX/Nelnet then nelnet/XXXX and last XXXX are all reporting that one loan. Please help!
Consumer complaint received 2019-07-30
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. (VA)

XXXX of Va Child Support Division have deliberately reported wrong and false information as a retaliatory tactic on my credit report for over 20yrs. I disputed this information with the credit bureaus many times through out the years. It have completely came off the XXXX report but Equifax still refuse to take it off saying I must contact Child Support when I have many times. I Called Child Support also many times over the past years, but we have always had a bitter ongoing dispute regarding this and other situations related to courts, custody, and other suits, and other issues that add more fuel to the fire, so child support refuse to do their part when updating or reporting accurate information. I was even told by a social worker that they will personally make sure that I am faced with finical difficulty and stress and they will use any and all governmental means to do so which they have. The Child Support agency first reported on my credit report back in XX/XX/XXXX. This particular account was paid off in XX/XX/XXXX as you can see they still refuse to reflect that on my credit report back than. Another thing is I have several child support accounts over the past 20yrs because of the children being in different custody situations but mostly me having physical and soul custody the most of their lives, but the child support account shows up as one on the credit bureaus sites. In even if Child Support was combining all the cases as one than the reporting is still incorrect. Its showing payments as not current when this was never the case at the times reported. I have the records for the child support accounts, and it is clearly intentionally reported fraudulently to the credit bureaus. This have kept me from utilizing my credit to get further in life, and still continues to do so it is making a negative impact and continues to hinder my credit and its being able to be utilize to its full potential.