davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-04
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

My Mortgage Company has a pay-by-phone option that I utilized in XXXX 2014. I lost the transaction number, so I checked my bank statement and verified that both the mortgage payment and the telephonic transaction fee had both cleared ( by name ). Within months I noticed that the XX/XX/XXXX payment was NOT acknowledged as received. I began receiving late fee charges, correspondance suggestioning financial assisstance (! ), and eventually threats of foreclosure (! ). Simultaneously I am attempting to go through the 'proper channels '. I contact the mortgage company telephonically, to no avail, all personell maintained that the payment had not been received. I then attempted to contact the complaint dept, and forwarded all pertinent bank statement info, also to no avail. I then secured legal assistance who again forwarded all pertinent info on my behalf. They ( legal ) also received the 'company line ' that the payment had not been received. At that point the my legal service suggested I contact CFPB, as solving this type problem falls within your specific function. Please assist as my Mortgage company is now threatening foreclosure within the month.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX XXXX ; Account number : XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2016-08-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: National Account Services, Inc. (MN)

XXXX XXXX, XXXX Hello Attorney General 's Office, Inspector General, Federal Trade Commission, Consumer the Minnesota Department of Commerce, Consumer Financial Protection Bureau, and XXXX XXXX XXXX : This is a formal complaint against National Account Services, XXXX XXXX XXXX XXXX, XXXX XXXX Minnesota XXXX -- -- for breaching our verbal contract with XXXX XXXX XXXX XXXX, and me. My case was referred to them on XXXX XXXX, XXXX. After being unemployed since XX/XX/XXXX The breach is supported by FDCPA and the Consumer Credit Protection Act of XX/XX/XXXX. There are also violations of Minnesota XXXX XXXX. There are many reasons why my bill was sent to collections one of the being that XXXX XXXX and I could not agree on a set amount to pay every month. Originally she wanted XXXX a month while I was unemployed, and I did not get unemployment. There was no income. Now I am working but also paying back bills from XX/XX/XXXX which has contributed to my economic hardship. 

My daughter 's experience as a child XXXX at that dance center was less than desirable and she was pulled from dancing XX/XX/XXXX. I refrained from making payments since XX/XX/XXXX because of the treatment she received and also because of the added cost for competition fees when XXXX was not attending. 

I had a verbal agreement with National Account Services to what I could each pay period after I started working XX/XX/XXXX after not being employed since XX/XX/XXXX. The collection balance was sent back to her on XXXX XXXX at her request. The effects of my collection account being taken back by the dance studio and being threatened for conciliation court by the owner XXXX XXXX of I do not pay according to her terms, is also another violation brought by National Account Services. I really on have XXXX a month to pay in addition to paying for competition fees when my daughter did not attend. This is causing harm, undue hardship with malice for me and my daughter. Therefore National Account Services has violated the FDCPA by causing undue financial harm or personal harm to me and my daughter, as well as violating an agreement verbally with their office. 

Now that the case has been taken back by Stage Left and the owner, XXXX XXXX, I can not have reduced payments that fits my budget as of XXXX to XXXX a month, but will have to pay XXXX a month, my food and grocery money, and have been threatened with conciliation court if I do not agree to her terms. I am waiting for XXXX XXXX to send me her revised contract. I would like to get this resolved. 

XXXX CC : The XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission
Consumer complaint received 2016-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: M&T BANK CORPORATION (NY)

My M & T Bank check card has had several security breaches in the past year. I had several foreign and out of state parties steal my check card number to make online purchases. I contacted my bank to report the transactions as fraudulent. One of the purchases appeared to be for this company XXXX and XXXX internet AG. There were several months of charges from this company made by this fraudulent individual ( s ). I contacted my bank as soon as I realized the fraud occurred. M & T bank replaced my card and resolved many of the charges. However, XXXX and XXXX com did not cease the fraudulent action. I contacted them directly to advise that this was fraud and to cease billing me. I asked them to tell me what the service was form what name was used to open the account etc. They refused to verify the debt with me and they refused to refund my money. I explained again that I dispute the charges and they are fraudulent and they refuse to cease collection. They now call my cell phone, a number that they never had until I called them. And they are even sending collection notices to my place of work -- -an address that I never provided to them. My name is not affiliated with my work address at all and my work address can in no way be construed as a residence. The company is willfully skipping my place of employment and disclosing my debt to my employer by sending collection notices to my place of work. They have refused my request to verify the debt and they have been advised that this is disputed and fraudulent debt. I am at a loss for how to make this company cease and desist their actions.
Consumer complaint received 2017-03-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have repeatedly requested that Portfolio Recovery Associates , LLC / Account Disputes Department provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my Federally Protected Consumer Rights of privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX acct XXXX # XXXX and US Department of Education acct. # XXXX. Also, US Department of Education acct. # XXXXhave violated my rights. 15 U.S.C. 1681 section 602A States I have the right to

privacy. 15 U.S.C. 1681 section 604A It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681C ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1682s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-30
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)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-30
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. (TX)

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX
Consumer complaint received 2015-10-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Repeated call to my cellphone - One today from Portfolio Recovery Associates. The number they called from today ( XXXX/XXXX/2015 ) was XXXX. 

On two other occasions I have ask that no calls be made to my cell. One of the other call was from XXXX on XXXX/XXXX/2015. Requested for the second time no calls are to be placed to this cell number. 

In all three cases I notified that they were calling a cell and to never call this number again.
Consumer complaint received 2016-05-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Originally contacted on XXXX/XXXX/16 from a man claiming to be XXXX XXXX from PRA Recovery. He said I owe a debt to XXXX XXXX XXXX in the amout of {$2100.00}. He said if I do not pay this debt with in 10 days he will have no choice but to take legal action against me. He said that he will attach my bank accounts and my pay. He also stated that I would have to pay all legal fees. This company has to date sent me any kind of written notification except in an email. I asked for them to send me verification in writing that this is in fact my debt. I have not received anything. On XXXX/XXXX/16 I again received a phone call and an email from this company.
Consumer complaint received 2023-10-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (VA)

The original company was XXXX XXXX and the loan was transferred to XXXX. The original loan was {$7000.00}. I have also been paying on my loan since 2019 and have paid even while being unemployed through XXXX. XXXX XXXX deducted payments directly from my account my account was reported a few times as being late. How is that possible when ACH payments were being deducted..? My loan balance is still {$6500.00} after 4 years. I received via email a falsified notice from XXXX with my electronic signature and my co-signers signature.It was falsified.It stated the original loan was {$8000.00}. I never received the original loan documents as requested under FOIA. I have attached disbursement dates and amounts showing a loan for {$7000.00} not almost {$1000.00} more .My co-signer and I didnt agree to {$8000.00}. Thats illegal and I have read a substantial number of complaints submitted to CFPB about this XXXX tactic of changing documents and original loan amounts. I see nothing has been done to change their criminal behavior. I have reached out to the SEC, my Attorney General and a few law firms. I also made a previous request to release my co-signer. I have full-time employment as a Federal Contract worker for nearly three years.
Consumer complaint received 2016-02-10
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I lost XXXX of my jobs and having a hard time making ends meet so I applied to OCWEN for a modification in XXXX 2015 complete package sent in. Since submitting the paperwork OCWEN has requested several documents and I 've sent them within days back to them. I 've submitted the same documents over and over again. Finally on XXXX XXXX my representative called and operator ID # XXXX told us that I needed to re-submit because my RMA application had expired and that we were supposed to get an answer within 90 days of submitting the original paperwork that she did n't know why we were at this date with NO end in sight. We asked the representative to point to us the expiration date on the RMA but she could n't since she could n't do that we asked her to transfer us to a supervisor and she refused stating that she would have to look for one and she did n't have time. I am begging for help since I do n't want to loose my house, I 'm a single man BUT I do take care of my XXXX elderly parents, I have been looking for a second job but I 've had no luck because I had my identity stolen several years back and my background checks are not good. Please help
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from Experian, XXXX and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (CA)

SAVE XXXX XXXX XXXX is incorrectly calculated and now I am in administrative forbearance. My monthly payments under the XXXX XXXX were estimated to be nearly {$150.00} less than the current estimates shown. When I called my servicer, they noted that the calculation was not using my XXXX from my last tax return. I submitted a request to recalculate, and have yet to receive any confirmation. I have been placed on administrative forbearance, but this does not stop interest from accruing. Additionally, I am planning to apply for forgiveness through XXXX, and received word that the months under forbearance would not qualify as eligible payments for XXXX, further delaying my loan forgiveness.
Consumer complaint received 2015-06-12
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

I was a victim of identity theft. I filled out an affidavit with a notary I also have a police report. I mailed, faxed and email my document to Common Wealth Financial Service beginning in XXXX. I have called numerous time to get my situation resolved. I have yet to receive any details of the bill who I owe and why I owe. It has been well over 30-60 days. Each time I call in I get the run around from very unprofessional representatives. We are waiting but never given a description of what.
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Ray Klein, Inc. (SC)

In XXXX 2016, I attempted to reach out to Professional Credit Services located in XXXX, OR for a collections account that is related to a medical bill. During the conversation, the agency stated they would investigate this account ( when I never requested this ) and never sent me any information about this collection so I can understand what medical insurance documents I had to send to prove it was paid. I am not certain how something can be investigated if I never got any information about it and I am unsure what specifically they are attempting to collect. According to the credit bureaus, the collection is for the amount of {$540.00} originally and now it is stating it is {$770.00}. Firstly, I attempted to go on all credit reporting agencies sites ( XXXX, XXXX and XXXX ) and it does not allow me to dispute because the collections agency Professional Credit Services recently updated their commentary on the account. The commentary on the account is not right! It says that the consumer disputed and the account is FCRA compliant. How is the account FCRA compliant if I never received any documents about this account and any evidence that the fees charged are valid. Under FCRA it states, '' report results to the consumer, generally within 30 days. '' It is more than 30 days at this point. There is no paperwork to denote the accuracy. I am requesting that the collections be removed from all bureaus due to noncompliance by this collections agency to properly send information pertaining to this account and adding on additional fees that were never identified or properly explained.