davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
8. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
9. Identity Theft XXXX XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
10. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
11. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2015-05-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (TX)

I went to XXXX XXXX ER on XXXX/XXXX/XXXX, I paid my co-pay during the visit. 

XXXX XXXX XXXX XXXX tried to use/bill incorrect insurance information ( XXXX XXXX XXXX ), when I 've had XXXX XXXX XXXX XXXX of Texas insurance since XXXX of XXXX. 

XXXX sold/contacted CommonWealth Financial Systems, they submitted my debt/account to collections on my credit report in XXXX of XXXX. 

I contacted CommonWealth stating I had insurance, they worked with XXXX to resubmit a claim to XXXX of Texas. 

XXXX of Texas denied their claim stating the submission was XXXX months past service date, and I was liable for {$0.00}.
Consumer complaint received 2024-11-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation (PA)

Aspire credit card sold my account to XXXX XXXX  on XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX Mn. XXXX phone # XXXXand XXXX. They list another address at XXXX XXXX XXXX XXXX XXXX Mn. XXXX. This account is written off and listed as in collection with all 3 credit agencies reflecting on my report. I never received a 1099 c from Aspire or XXXX XXXX according to IRS sect. 62 ( A ) ( 12 ) sect 6050p to pay taxes on the {$710.00} since it was written off. Income should not be reported on credit report. And this reporting is inaccurate. Also violating privacy act.
Consumer complaint received 2024-08-10
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. (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2016-08-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Certified Solutions, Inc (NJ)

My son XXXX was treated for XXXX at XXXX Hospital on XXXX/XXXX/13. At the time I was unemployed and had no insurance. One of the nurses suggested we apply for XXXX because I was unemployed. 

We submitted all requested documentation to the XXXX vendor the hospital used and were told by one of their representatives that our application had been approved. 

Two years later, XX/XX/2013, we received a notice of Lawsuit from the law firm of XXXX, XXXX, XXXX on behalf of XXXX Hospital for {$1000.00}. The full amount of my son 's treatment. 

I contacted the hospital and I was told that my XXXX XXXX Application had been lost. That they had been using an outside vendor and the hospital was forced to terminate their contract due to many errors. I asked if they would honor my original application and they declined. 

As a compromise, I offered to pay {$600.00} to settle the account and the person I spoke to agreed to my offer and I made a payment of {$600.00} via debit card. I later checked with the law firm and with the court and they confirmed that the lawsuit had note been pursued. 

There was no further collection activity of any kind for another 3 years until I received a collection letter from Certified Credit & Collections Bureau on behalf of XXXX for {$490.00} which is the balance I would owe from the original bill. 

I have done everything possible to honor the debt as best as I could. The hospital has carelessly and recklessly perpetuated the collection of this debt for almost 6 years. This has been a very frustrating experience for me and my family at a time when we are under financial stress. 

I believe this account to settled and it is unfair that the hospital is engaging in these predatory practices. We believe that the debt in question has been satisfied and we should be considered settled.
Consumer complaint received 2017-03-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (CA)

Never received a bill from these people. Recently applied for a credit card and was denied due to past due payments. Pulled a copy of my report. This charge is dated XX/XX/2016. I have no medical bills from that time. Have written a letter to creditor requesting information. This debt is not mine.
Consumer complaint received 2024-10-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (IL)

This debt is fraudulent. I have already supplied this company with several documents of police reports, FTC reports on this debt due to identity theft. No one ever Called me back from this company from XXXX after I submitted everything they requested. The XXXX XXXX detective even called them to get this situation cleared up. They now have submitted yet another collection on my credit report and never once called me to say they needed something in addition to the 70 plus pages I sent them. 
This company is ruining my credit when I have been the victim of credit theft, and I have proven that to them in XXXX of XXXX
Consumer complaint received 2015-10-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

GreenTree/Ditech Loan # XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXXThere are numerous issues with this short sale file:1 ) Loss mitigator, XXXX XXXX XXXX claims that Green Tree and Ditech are XXXX different companies -- - they are not, they just changed their name - this is extremely deceptive and this is what they are telling people that call in. XXXX 's intimation to us was that any illegal acts that Green Tree committed were water under the bridge as Ditech is a different company - this is quite possibly XXXX the most ridiculous things I have heard. 

2 XXXX Green Tree/Ditech - illegally threaten our sellers and told them they had to vacate the property prior to the property being foreclosed on. They did this on or about XXXX 2014 claiming that they ( XXXX Tree/Ditech XXXX owned the property -- - our clients do not speak XXXX were bullied into vacating the property, this is something the Green Tree/Ditech has a history of doing. 

3 ) Green Tree/Ditech then continued to postpone the auction -- - they did not own the property as they has told our clients, and continued to fraudulently collect servicing fees XXXX -- - defrauding the XXXX taxpayer and the federal government. They claimed that the postponement was due to our clients bankruptcy .... Unfortunately for Green Tree/Ditech, this is yet another lie as the BK closed over 1 years ago. -- - this is a wide spread problem with Green Tree/Ditech as is evidenced by the XXXX complaints online. 

4 ) In violation of State and Federal statutes, Green Tree/Ditech did not reach out to the home owner and the homeowner only became aware that they still owned the property when a notice of trustee sale was issued on the property. I find it rather disgusting that Green Tree/Ditech would think it is ok to do this to a XXXX family only because they a ) do n't speak XXXX well ; and b ) do n't have the means to fight. This is a disgusting practice that they CFPB needs to STOP! 

5 ) We request that the CFPB ask Green Tree/Ditech why they would lie to a home owner and tell them that they owned a property when XXXX Green Tree/Ditech XXXX did not. Why they would not contact the homeowner for workout options. Why they would continue to collect servicing fees from a federal entity for over 1 year XXXX they already owned it ... or so they told the home owner ) without foreclosing increasing urban blight and defrauding XXXX.
Consumer complaint received 2015-07-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CO)

I am 30 days behind, but I have but I have been making payments so I do n't get 60 days. They put in default for late fees I am not 60 days. How can they put me in default for late fees.? This company calls XXXX times a day. They customer service callers a threatening.
Consumer complaint received 2024-08-10
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. (GA)

Hello. I've reached out about accounts on my report that are illegally being reported. These accounts include negative or adverse information that I am requesting be permanently remove the following companies, EXPERIAN, XXXX and XXXX have failed to provide me with the contracts with my signature to verify that the these accounts belong to me. 

Closed accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX sold. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Secured Loan. Date Opened : XX/XX/year>. 
Closed. Charged off {$220.00}. 
XXXX XXXX XXXX XXXX XXXX SC XXXX Phone # ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX. 
Original creditor : XXXX XXXX Collections {$970.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone # ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX Original creditor : XXXX XXXX XXXX XXXX 
Collections {$100.00}. 
XXXX XXXX XXXX XXXX, MA XXXX Phone # ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. 
Original creditor : XXXX XXXX. 
Collections {$88.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX. 
Original creditor : XXXX XXXX XXXX Collections {$4500.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Consumer Laws to reference U.S.C 15- Chapter 41.

15 U.S.C. 1681i ( a ) 5 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i ( a ) 5 15 U.S.C 1681S-2 15 U.S.C 1681 ( i ) 15 U.S.C 1681 ( i ) 5 XXXX XXXX XXXX XXXX SS # XXXX. XXXX XXXX XXXX XXXX XXXX, GA XXXX. Phone # ( XXXX ) XXXX.
Consumer complaint received 2022-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

XXXX 2015 I called green tree Mort.co now dietech and requested a month deferred. Was told oh yes just make a payment we will defer 3 mo. Called because I never received confirmation nor the modification papers I was promised. Oh there on the way I was told. 3 months later I get an act XXXX foreclosure I call to see and was treated rudly by XXXX. I told her story she said rep knew there was no such program I was offered. Made me pay almost all my income to keep my house. So now I 'm still struggling to get caught up. I got behind in taxes paying them. They took my tax return and will not work with me to get an lower payment or nothing. Belittle me when I call. The mental stress this is causing all they had to do a year ago was say no I would have paid what I could not get behind XXXX dollars which set me back almost half a year. Please help
Consumer complaint received 2015-06-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TN)

We own a home mortgaged thru Greentree loan number # XXXX. We put it up for sale in XX/XX/XXXX. We were notify by the County that the key numbers were incorrect. We notify Greentree when we had a accepted offer thru our XXXX title company. They were trying to get the neighbors loan modify since XXXX loans were loans were with Greentree .Should be easy fix. Closing scheduled XX/XX/XXXX. Did n't happen. Green tree did n't work with it. Sent tile company that neighbors on XXXX XXXX behind on payment. Fired Title Company hired new now all research done documents sent they email yesterday and stated it could be 6 to 8 month before I can sell my home. I will lose my buyer they have waited since XX/XX/XXXX. I would understand if it was XXXX different mortgage co but the same. I have no idea who to turn to. All I want to do is pay off my mortgage and sell to these buyers. If it is not closed by the end of this month they will back out. XXXX XXXX
Consumer complaint received 2016-11-17
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems (CO)

I got a new alert today. So when I check my credit report an account was placed in collections for Midwest Recovery Systems with the original creditor as XXXX. 

I have never heard of this company and I did not take out a payday loan with this company. I never received anything from Midwest Recovery Systems or XXXX XXXX XXXX.
Consumer complaint received 2024-10-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (WI)

I requested national credit system to validate my debt XX/XX/year>. It is now XX/XX/year> & nation credit system still hasnt validated my debt which means theyre in violation of the FDCPA, the fdcpa gives collection agencies 30 days to validate debt or they must cease all communication & cancel all debt owed to the consumer.
Consumer complaint received 2015-06-01
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Pennymac is foreclosing on a homeowner who has attempted in good faith to renegotiate a loan modification of this home equity loan. Also, the foreclosure itself may be invalid due to improper notice requirements. Pennymac should be required to meet loan servicer guidelines in terms of a single point of contact and HAMP loan modification regulations.
Consumer complaint received 2016-09-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

This complaint it will be proof that PennyMac Holdings, LLC, never have legal standing, RIGTH, and legal capacity to enforce or collect funds-money from me related XXXX XXXX my property located in XXXX County Florida at XXXX XXXX XXXX XXXX, fl XXXX. The servicing of this loan was done in violation of that F.C.R.A and F.C.D.P.A and H.U.D.. OCC and many others agency in the federal level and State, including violated that T.C.P.A.
Consumer complaint received 2016-01-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION (VT)

Judgment with Reference # XXXX, reported on XXXX/XXXX/2012 appears on my credit reports. Base on understanding, I do n't remember being served. I am writing this complain so that this judgment can be justified and/or removed from my credit reports.
Consumer complaint received 2015-10-21
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (IL)

RUSHCARD - On XXXX XXXX, 2015, Rushcard underwent what they called a change of systems. The change was not to affect customers ; as of today, XXXX XXXX, 2015, 2 business weeks later, the problem still exist ; the inability to access my account. I have not been able to speak with any representative, and when I did, I was told they could n't get into the system either. I feel that an inside theft has occurred with customer funds, and someone walked away with XXXX dollars that did not belong to them. I feel as though XXXX are responsible. For the past 2 weeks all customers have heard are excuses, and we will see our funds in our account overnight ; well there have been a lot of overnights to pass by, and yet still nothing. Please help, many of us who are customers are Seniors receiving Social Security Funds, and our money is gone. Please help or direct me to whom I should contact regarding this problem. Thank you for your assistance.
Consumer complaint received 2015-11-03
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK (CA)

Dear Sir/Madam, I am writing in hopes to resolve a particular dispute with Scottrade Bank and their affiliates collectively referred to as Scottrade. 

Scottrade maintains that I should file arbitration against them for the purposes of resolving a customer dispute, however, neither Scottrade Bank nor Scottrade Brokerage have confirmed the existence of a valid arbitration agreement and has refused to answer any of my inquiries for details. 

I am writing this letter to address a very specific issue. Specifically, I would like a copy of the full " consumer contracts '' that were formerly signed in order to open a Scottrade Bank and Scottrade Brokerage account. 

Please be advised that I previously requested this information from Scottrade Bank and Scottrade Brokerage but was not supplied with an original account agreement. I signed up for the accounts XX/XX/XXXX, however, Scottrade Bank and Scottrade Brokerage provided me with an unsigned copy of a " consumer contract '' that had numerous revisions from the XX/XX/XXXX version of the contract. 

The contracts Scottrade Bank and Scottrade Brokerage use have " tracking numbers '' in the bottom left margin of the page that indicate the year and date. Therefore, I am kindly requesting Scottrade Bank and Scottrade Brokerage provide me with the corresponding and original XXXX version of the sign contract and not a XX/XX/XXXX version that is materially different. 

Sincerely Yours, XXXX XXXX XXXX
Consumer complaint received 2015-06-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Arnold Scott Harris, P.C. (IL)

I called the law office of Arnold Scott Harris located In XXXX II on XX/XX/XXXX to inquire about phone calls I had received. The girl told me I had a " ticket '' for resisting arrest and another ticket from XX/XX/XXXX for speeding. She asked how would I like to pay the fine and I told her I was unable to at this time. She then went on to say there 's a hold on my licence ( which is not true because I just renewed it XX/XX/XXXX ) She then went on to say that I would be taken to court and " XXXX county will put a judgement against me.
Consumer complaint received 2016-06-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (WI)

I purchased furniture on an in-store loan from XXXX XX/XX/XXXX. The loan was serviced by TD Bank. I made monthly payments on time each month using ACH transfers made via phone payment authorizations. TD bank even gave me payment confirmation numbers at the end of the phone calls. I kept confirmation numbers from these payments on an electronic media device that has since been destroyed. XX/XX/XXXX, TD bank initiated transfers to make the payments, but those ACH transfers never cleared and TD Bank never informed me of this. Now, I am XXXX months delinquent on this loan, and it appears on my credit report as a negative account. TD bank never notified me or my bank that there were issues with the phone payments as of XXXX XX/XX/XXXX when I discussed this issue with TD Bank XX/XX/XXXX, they said they had no records of me initiating payments in XX/XX/XXXX.
Consumer complaint received 2017-02-27
Product: Credit card — 
Issue: Delinquent account — 
Company: TD BANK US HOLDING COMPANY (CA)

A couple of years ago, I made a XXXX purchase on a Target Credit Card at Target. {$35.00}. 
I then went o XXXX until XXXX. I found the {$35.00} in the mail upon return, now being charged $ 100+ in late fees. I paid it in full after getting one month payment voided, then tore up the card and forgot about it. Recently I learned that this is the only delinquency on my credit report, and that the amount is not specified, classified as a " serious '' delinquency, and XXXX tells me it will be on my report FOR 10 YEARS! Nothing they can do, nothing Target can do, so they say. Can you change this? Can you get effect a rule change whereby delinquencies below a certain amount are treated less severely, like under {$100.00}, must come off the credit report once paid, and maybe a sliding scale based on the amount and time of debt owed, like $ XXXX-2 years, XXXX $ +, 5 years, etc. Please respond, XXXX XXXX