davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-16
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commercial Recovery Systems (AZ)

I want to begin by stating the following story is not an exaggeration. For the last 6 years and I repeat, 6 years, a company known as Commercial Recovery Systems ( CRS ) calls me and states I have an outstanding payday loan. I have never received a payday loan. Back in 2008 I was the victim of Identity theft and hired an attorney to take care of everything regarding false loans. I have sent this paperwork to CRS over the years multiple times. 

This year the calls have increased. I receive a call from CRS XXXX times per week. Each time I answer they tell me the debt is mine, they have court papers they are serving me, they are going to garnish my wages, and much much more. When I try to explain to them that they have the wrong person, they tell me I am a professional debtor and I need to pay my debts. 

I am going mad over the harassment. No one I contact can sue these people. Each attorney I have contacted says this agency does not respond to court documents. How do I stop them? I am asking the FTC to provide me with peace and quiet. Please stop this company who is in constant violation of the Fair Debt Collection Practices Act. No one should be treated the way I am being treated. I have been dealing with this agency since XXXX. It seems like every other year they re-vamp and begin harassing me. I am becoming fearful and I do not know what to do. I have had to freeze my credit bureaus in order to avoid any further identity theft incidents.
Consumer complaint received 2023-08-30
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. (AR)

I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I do not have any idea regarding these fraudulent accounts on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.
Consumer complaint received 2020-06-11
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS HAVE BEEN OPENED BY SOMEONE WHO HAS GAINED ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS  ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2016-08-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates continues to collect on a debt which was paid prior to PRA claiming ownership of the debt. Debt was paid to an assigned debt collector of XXXX XXXX called XXXX XXXX. 

On the week of XXXX XXXX, 2016 I called Portfolio Recovery Associates to discuss its appearance on my credit report of XXXX alleged debts with account numbers XXXX and XXXX that lack the correct date of first delinquency and are erroneous. 

I spoke with XXXX people that day concerning the accounts. I notified PRA that I did not receive a dunning notice, that the account had already been paid with an assigned debt collector of XXXX XXXX, and told them I had confirmed the payment was processed and received by XXXX XXXX for the two payments of {$2300.00} and {$470.00}. 

During one of the conversations the Customer Service Representative asked me if I have ever lived in XXXX. To which I told her no I have never lived in XXXX, AL. The rep told me the address was associated to me. I confirmed to her that I have never lived there. Almost immediately thereafter, I received an alert that a new address was added to my credit report and a hard inquiry from PRA was preformed. 

PRA stated to me that they do not have records of payments made after the account was closed by XXXX XXXX and that I would have to figure it out. I was told on XXXX XXXX by a Customer Service Rep in the disputes Department that in fact they made a mistake on the address and that it was from an old account in their system ( which is out of SOL for reporting and collecting purposes ) and was still submitted to the major CRA even though it was from an uncollectable account. This kind of activity ( reporting information related to an uncollectable and out of statute debt ) seems like it is against my protections as a consumer. 

Portfolio Recovery told me that even though they do n't have access to the information about my payments for the XXXX alleged debts that I should " pay now so that when/if the issue is resolved I could possibly get a refund '' and avoid any " legal '' issues. 

I asked Portfolio Recovery again on XXXX/XXXX/2016 to immediately remove the erroneous address. I told them I wanted it removed just as fast as the submitted it. Yet they stated that was not possible to remove the same day that it may take up to 60 days to correct even though they were able to add same-day. I found out through XXXX that they can request immediate corrections. 

I was also not provided the physical address to mail correspondence from their receptionist without providing my full social security number.
Consumer complaint received 2024-08-12
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. (VA)

Ive submitted proof of Identification card, Social Security card proof of address These Fraudulent ACCOUNTS Should not be furnished on my consumer report as they are in VIOLATION!!! OF MY CONSUMER RIGHTS LAW CODES .15 U.S Code 1681b, 15 U.S. Code $ 1692c
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (TN)

This complaint is in reference to our buyer 's Lender US Bank. We are in the process of selling our home and had an agreed closing date of XXXX/XXXX/2016. The buyer 's lender ( US Bank ) has been extremely difficult to communicate with and has not been forthcoming with requirements of the seller to close the transaction. We were just notified on XXXX/XXXX/2016 ( the day after the initial closing date ) that the lender is requiring repairs noted on the original Inspection in spite of what we ( the seller ) and the buyer agreed upon. We are being told it is due to the lender being overwhelmed with loan applications and not able to process them in a timely manner. The Inspection was performed on our property on XXXX/XXXX/2016 and we are just now hearing about the repairs being required one month later. Now the lender has extended the closing to XXXX/XXXX/2016 which places us in a bad position as we have already vacated the premises and moved into a rental. This is terrible banking practices on US Bank 's behalf. If they can not handle the magnitude of mortgage loan applications they are receiving, then they should have the decency to stop accepting applications until they can handle them instead of inconveniencing sellers for their lack of staff and the ability to close a transaction within a timely manner.
Consumer complaint received 2016-11-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (FL)

US Bank did not notify us that they were the new loan service for our mortgage note within the required 15 days prior to the effective date ( XXXX/XXXX/16 when payment is due ). Failure to notify us in in that time frame is non-compliance under RESPA as the following items were not disclosed to the consumer : 1. The effective date of the transfer, the date your current servicer will stop accepting payments and the date the new servicer will begin accepting them. 2. A statement that the transfer of servicing does not affect any term or condition of your mortgage documents other than the terms directly related to the servicing of the loan.
Consumer complaint received 2016-02-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (TX)

On my mortgage with US Bank Home Mortgage ( XXXX ) there is a late payment reflecting that should have never been late. This account was not late in XXXX 2015. I have confirmed with the bank and received correction letters claiming error. Please see my first claim to cfpb # XXXX for XXXX late error and this new claim is for XXXX. I have worked very hard to maintain my credit and this has damaged my credit and the ability to move ahead with refinancing. These months were never late and to have them show as such is incorrect.
Consumer complaint received 2016-05-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alorica Inc. (NE)

West Asset Management has been incorrectly reporting a paid medical bill as a collection to XXXX & XXXX. The reported date assigned was XXXX, with the date of first delinquency of XXXX. Original amount owed was claimed to be {$600.00}. This bill was fully paid by my insurance company, leaving only a {$30.00} co-pay. I paid that {$30.00} in full after contacting XXXX XXXX about this collection, after seeing it on my credit report, in XX/XX/XXXX. Any amount outside of that, is reduced or paid under a legally binding agreement with XXXX of Nebraska. I was never once contacted about this account by either XXXX XXXX or XXXX. 

- Further, XXXX has failed to provide any proof or detail of this debt upon request. 
- I was never contacted about this collection prior to seeing it on my credit report. 
- Multiple disputes with the credit reporting agencies have yielded continually erroneous and damaging information from West Asset Management. 

I have attached documentation as follows : - Credit card statement from XX/XX/XXXX, detailing the {$30.00} paid to XXXX XXXX for this " collection. '' - XXXX record of collection as reported by XXXX. 
- XXXX record of collection as reported by XXXX. 
- XXXX record of collection as reported by XXXX.
Consumer complaint received 2016-03-05
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP (TX)

i have an us bank credit card and i have been charged excessive fees on my account and tried to settle the account due to a family crisis and called US BANK to get som assistance with payment options and was informed that i could n't get help this account has ruined my credit and have n't helped me
Consumer complaint received 2017-02-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Bread Financial Holdings, Inc. (PA)

Previously an account showed up on my credit report from Comenity Bank, I asked them to verify this account since I never had an account with them. They were unable to verify it and removed it from my credit reports. Now this company, XXXX XXXX XXXX XXXX is trying to collect on this same account. I have sent them letter via certified mail disclosing the laws and I need verification. They were unable to furnish any documents to me so far and it has been 45 days. This is a clear violation of the debt reporting act. Their phone number is listed as XXXX on XXXX of my reports. I want this removed from my credit reports as this account is not mine.
Consumer complaint received 2016-05-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cooling & Winter LLC (VA)

I received a phone message today from some identifying himself as XXXX with Cooling and Winter law firm. He said to call him back and that it was a debt collection call. As I do n't have any debt in collections, I XXXX the firm name to see if this was a phone scam. The search showed a CFPB enforcement action against this law firm 's partners for deceptive collection practices. I pulled my credit report after the call to make sure there was nothing showing. I have a clean report and am current on all debt. I am unsure what to do as I do not want to return this call as I have no debt in arrears. However, given the tactics attributed to this firm I do not want false allegations of unpaid debt made against me and jeopardize a pristine credit history. Would appreciate any guidance on how to proceed. 
Thank you for your time and attention.
Consumer complaint received 2020-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AL)

On XX/XX/XXXX XXXX XXXX placed an escrow on my account in error. I received a letter from XXXX dated XX/XX/XXXX, explaining that it was an error, and that they are currently in the process of cancelling the escrow error. The cancellation, to my knowledge never occurred, due to the fact that I am still being charged an extra {$79.00} per month on top of my regular fixed rate of XXXX per month, plus Lender Placed Insurance of {$130.00}. My fixed contract, signed back in XX/XX/XXXX, states {$340.00} a month. I should be paying a total of {$480.00} including insurance per month. Let me now fast forward to the present XX/XX/XXXX. I received a letter dated XX/XX/XXXX from Shellpoint Mortgaging Services stating that the owner of my loan has entrusted them with the servicing of my loan, and the amount due is {$630.00} per month. I have contacted them multiple times asking for an investigation into the matter, in order to rectify the situation that has been draining me for more than a year. I presented XXXX ' letter explaining the error. They write me back, and I quote " Shellpoint 's records indicate that we have already received the same or a similar correspondence that we have already responded to. Since your additional correspondence did not provide any new or additional information for us to form the basis for a new investigation, our response remains the same. Therefore, we will not be conducting another investigation. '' end quote. 
How can they get away with this. I live in a double wide trailer that I have been paying on for twenty one years, and have never missed a payment with the exception of last month XX/XX/XXXX. I am being extorted, and have been paying what they have put out for me to pay because I do not want to lose my home. I am extremely frustrated due to the circumstances of being continuously robbed every month. I can only hope this complaint does not fall on deaf ears, or blind eyes. I am attaching documents that I are pertinent, and discussed within this email. Also I am attaching an email that I sent to them in aggravation that is laced with a couple of profanities. 
PLEASE SOMEONE HELP!! 
Sincerely, XXXX XXXX
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (AZ)

XXXX - the cellular service provider made a series of unauthorized charges. Attempts to contact and resolve failed as they did not pick-up calls and did not respond to emails ( receipt of which they acknowledged ). Few of the charges they credited back, but several remained unresolved. Barclays Bank, as instructed by them, was called and dispute and request for chargeback were made. The bank attempted to contact the merchant by phone but failed. As usual with that Bank - they DID NOT DEMAND DOCUMENTATION FROM THE MERCHANT. The bank, as I experienced previously, demanded from me that the account be closed and new credit card numbers be issued. That is not acceptable nor is it authorized way of resolving billing disputes. This bank does it for years and I experienced it many times. This bank does not follow Fair Credit Billing Act and their employees are trained to push back and force customers to declare fraudulent transaction by an unknown actor in order to force the change of the card number. That is neither true nor legal. 
The dispute and chargeback process has the ability to correct banks behaviour. Changing the credit card number punishes the consumer as this forces the change of card number in many other places where the consumer might have set-up recurring charges. 
The offense by the bank is not only in abusing FCBA, but also in machinations to delay the process. The dispute was setup on XXXX, on XXXX I received the denial letter ( without any documentation ) demanding that I authorize closure of the account - but the letter was dated XXXX, and the bank did not mail it until XXXX.
Consumer complaint received 2024-08-23
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. (FL)

I am writing to disputed account on my credit report that were made withot my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ) THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I dis not uthorize these account and can not find any permissible purpose under this section that justifies their presence on my report, ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2015-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

My mortgage company, Ocwen Loan Servicing, has continually charged me late fees for payments that were made on time. I have sent documentation to Ocwen from my bank confirming that my payments actually cleared my bank before the past due date, but they ignore my attempts to receive a credit. I have been trying to resolve this issue for several months. I have written to Ocwen multiple times and they continue to do the same thing.
Consumer complaint received 2017-02-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ideal Collection Services, Inc. (FL)

i asked from the collection company to provide me the contract they have for XXXX, with my right name and my SSN on the contract, they refused. 
when i asked from them to varified with me the information on the contract over the phone, the lady i spoke with her she insisted 3 times that my correct name on the contract with SSN. i asked from her to read for me the name on the contract, she read it wrong and when i asked form her to read my SNN on the contract, she said there is no SNN on the contract. 
so how they reported me based on the contract they claimed that belong to me if the name on that contract does not match my name and they have not even my SSN on the contract.
Consumer complaint received 2017-01-19
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I had a second mortgage with Nationstar that was removed through a chapter XXXX bankruptcy. The lien was removed and the recorded document of the lien removal was sent to me. When I go on to my Nationstar account, for my 1st mortgage I still have with them, unfortunately, I see the information listed below. When I call the collection company, they tell me yes the lien was released. " Do n't worry about what you see on your Nationstar Account, only you can see it, no one else. No one has ever called before about this. '' The customer service man also told me that the collection agency listed below is a subsidiary of Nationstar ( Nationstar IS a collection agency! ). I asked since they are related, would you please communicate to them to remove it. He told me he can not do that. He told me not to worry about it since it is no longer on my credit report - how did he know that? 

YOUR ACCOUNT HAS BEEN CHARGED-OFF AND HAS BEEN PLACED WITH XXXX FOR COLLECTION OF THE OUTSTANDING BALANCE. 
Note : the charge-off of your account does not affect your obligations under the terms of the Note and/or Security Instrument. 

Please contact XXXX to discuss repayment options at XXXX or email XXXXXXXXXXXX or visit XXXX online. 


LOAN NUMBERXXXXMATURITY DATEXXXX/XXXX/2037INTEREST RATE8.313 %
Consumer complaint received 2015-12-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

My mortgage lender keeps " holding '' our monthly payment to apply a late fee. 
payments sent through the bank or mailed always post between XX/XX/XXXX-XX/XX/XXXX regardless what day the payment was mailed on. Their investigation department took all of 5 minutes to review and determine that the payment was late and imposed the {$110.00} late fee. 
They continuously call my cell during work hours leave messages on my cell contact my husband every day to make the payment using their automated service- which they charge {$19.00} - I get 3 calls a day beginning on the XXXX of the month.
Consumer complaint received 2016-03-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC. (CT)

I opened up a money market account at First Niagara Bank in XXXX XXXX CT on XXXX/XXXX/2016. I was told that the APY interest rate was 1.01 % based on the advertisement in the XXXX XXXX as well as a verbal discussion. There was no mention that the rate was related to compounding and this was confirmed verbally with the bank officer. And that taking out the interest monthly would not affect the rate that I was to receive. After 33 days of " interest '', from XX/XX/XXXX to XX/XX/XXXX, I received not XXXX of 1.01 % but rather XXXX of 0.81 % and my printed statement says that my APY is now 0.81 % not the 1.01 % I was expecting. 
The interest I received was XXXX % LESS that I was expecting. The difference in the amount of money is not very much but First Niagara, in my opinion, lied to me with false advertisements and false verbal discussions, apparently to get me to put my money into a seemingly high interest money market account. Multiply this by XXXX customers and XXXX dollars and the amount of money they defrauded consumers could be very substantial. In my opinion, First Niagara deceived me and its customers and violated honest banking practices.
Consumer complaint received 2016-09-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CSO Financial (OR)

self employed, hit hard times and mistake in checking account resulted in NSF checks, which after bank fees amounted to {$1700.00}. tried to set up payments, but account was sent to credit services of oregon. after they included all their fees the amount is now {$3500.00} ( I believe outright usury ) anyhow they continue once a year to garnish the checking account, but this year they hit it twice within 4 months. I called to try to set up payments, {$25.00} a month, using the company debit card and was told there would be a {$15.00} to {$25.00} fee for using the card. We want to make this go away, but ca n't seem to get ahead Help