davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Stellar Recovery, Inc. (FL)

STELLAR RECOVERY INC ACCOUNT NUMBERs : XXXX OR XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you STELLAR RECOVERY INC or any company associate with this account # XXXX OR XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : STELLAR RECOVERY INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MA)

I faxed over paperwork proving that XXXX XXXX received and accepted a full settlement for less than balanced owed with the XXXX 
Equifax refuses to accept the document as factual with the supervisor telling me that the have no real proof of the authenticity of the faxed document. Even though there is a phone number on the letter that they can call to get verification. They have contacted XXXX XXXX who keeps reporting that there information is correct which is totally different than the documentation I have regarding this matter. 
Also, I have a public record form XXXX XXXX regarding this same account. The courts updated my judgment as " satisfied public record '' with the same exact letter from XXXX XXXX XXXX XXXX. 
Both XXXX and XXXX deleted my public record from my file but Equifax will not. They keep asking for a withdrawn form from the court stating that the file has been withdrawn or to have the court house tell them I no longer have this record. I called the court house three separate times and each time, different office clerks have informed me that they do not issue any other forms as proof of a withdrawn record except for the same information I already have. Also, the court clerk said they have nothing to do with the credit bureaus. Than the Equifax supervisor told me they ca n't remove the public record due to some Federal law but, when I told them that XXXX and XXXX both removed the record on the strength of judgment letter that they looked up in the court database. The Equifax supervisor changed her story and said that all XXXX agencies do things differently and they do n't look up court records in the database. I told her the court office told me there are no other forms they can give me. So, the Equifax supervisor told me there is nothing she can do. The Equifax organization is under trained and lazy. they refuse to put in the necessary work needed on the expressed interest or fairness due me, the consumer. it 's awful that they have so much influence but are not held accountable for their poor performance and lack of knowledge. Saying they do thing differently and dismissing my paperwork as fraudulent without putting in the work is an outrage and definitely not acceptable.
Consumer complaint received 2015-08-12
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Onity Group Inc. (CA)

The HELOC maturity date was XXXX XXXX, 2015. The final payment, based on the payoff quote provided in writing, was sent and credited to the account XXXX XXXX, 2015. The Ocwen website shows {$0.00} balance due however Ocwen continues to call everyday to collect {$28.00}. After numerous attempts to get someone to investigate the final settlement, it has been determined ( have a letter from Ocwen in hand ) that the loan was overpaid and Ocwen owes me {$13.00} ... The debt collectors refuse to take me off their call list. They want ME to write a letter asking to be removed even though it their mistake.
Consumer complaint received 2016-04-20
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

I am the newly appointed personal representative of the Estate of XXXX XXXX. I petitioned for appointment on behalf of the Estate 's largest creditor ( XXXX XXXX ). The bank started a foreclosure on XXXX/XXXX/2015 and it has lain dormant to date. My research indicates that both the mortgage company and the law firm handling the foreclosure filed bankruptcy, and the law firm does not exist anymore. The Condominium fees accruing since the DOD of the owner exceed {$40000.00} and continue to accrue each month. Now the Court has sent out a Notice that it will dismiss the bank 's foreclosure case for non-prosecution. I am attaching documentation referencing the above. I do n't know if the address I provided for the lender is still good - I obtained it from the recorded refinance DOT.
Consumer complaint received 2016-03-07
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Meyer & Njus, P.A. (IA)

On XXXX XXXX, 2016. I received three phone calls at XXXX, XXXX and XXXX. The phone number being called is my work phone number. The voicemail for this number clearly indicates this is a business line. No messages were left, no indication of who or why these calls were being made. I had to place a business conversation on hold and called XXXX at XXXX to ask them to stop. I spoke with someone named XXXX and advised him the calls they were making were interfering with my ability to do my job. XXXX said he understood the importance of being able to work and said he would ensure they calls would stop. The calls did n't stop. The next call I received was at XXXX. I believe this is a direct violation of the TCPA which should result in a penalty paid to me in the amount of {$1500.00} for knowingly violating.
Consumer complaint received 2015-08-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (FL)

Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Pinnical Credit Services. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Consumer complaint received 2016-12-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Student Aid (USA) Funds (TX)

On XXXX/XXXX/2016 United Student Aid Funds ran my credit without my permission. This is a permissible pull violation and a very serious one to my understanding under the FCRA/FDCPA. I want this item removed from my Credit Report within 24 hours or I will consider this willful non-compliance and I will file a lawsuit.
Consumer complaint received 2015-08-17
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK (NY)

On XXXX XXXX, 2015 I have made an online payment to my discover card which covered my full balance. Once the payment confirmation appeared, it stated that all my future direct payments will be cancelled. On XXXX XXXX, 2015 an additional payment, in the amount of my usual direct payment, was withdrawn from my bank account causing an overdraft charge. On XXXX XXXX, 2015 I have contacted the discover card in order to resolve the issue. The representative I spoke with told me that the amount of the direct payment will be transferred back to my bank account, however the amount of my overdraft charge will not be returned and that I have to ask my bank for the refund of that charge. I explained to the representative that the bank did n't make any mistakes and will not return the fee since the charge was made and was covered by the bank. To which the representative replied that unfortunately discover does n't refund bank fees. I once again explained that the overdraft was due to the mistake made by discover card and discover card should be the party responsible for the charge. Unfortunately I was once again told that the money I had to pay my bank will not be refunded.
Consumer complaint received 2016-02-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo re-ordered my transactions to post the newest, largest debit first and the oldest, smallest debit last so that the first would put my account into the negative and then charge XXXX {$35.00} overdraft fees. There were only XXXX debits. XXXX for {$4.00} and XXXX for {$20.00}. Wells Fargo purposely re-ordered the transactions to result in XXXX fees instead of just XXXX as the first was covered by my balance in the account. The second was a bill payment that they rushed through on the same day when it normally takes that payment XXXX3 days to post. So they rushed the {$20.00} bill payment through in order to incur {$70.00} in overdraft fees. I made a deposit of {$40.00} cash the next day and then discovered that the bill payment had already posted and incurred the fees. The previous month, it took 3 days for that payment to post to my account which is normal as I have been making that monthly credit card payment for years and it always takes several days to post.
Consumer complaint received 2015-10-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Pinnacle Credit Services, LLC (FL)

I need your assistance in removing a disputed account on my credit reports from : XXXX, XXXX, and XXXX. I have no idea about this account ; and I sure don'thave a written contract with the said original creditor, XXXX XXXX . Its having a negative affect on my overall credit score. 

Reporting Company reference : Pinnacle Credit Services ; XXXX. XXXX XXXX ; XXXX, MN.XXXX. 
Tel : ( XXXX ) XXXXXXXXOriginal Amount : {$250.00} dollarsWould you please have them to remove this from my credit reports. 

Thanking you in advance!
Consumer complaint received 2017-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC (NC)

I was working with XXXX XXXX XXXX. I received a packet from the mortgage Co. Specialized Loan Servicing LLC Saying they had approved us for a Standard Modification. 
The interest rate was suppose to be lowered and it 's still the same. The payment only went down about {$200.00}. I am disappointed about it too because they said that it would be about {$600.00}. - {$700.00}. monthly payment. Now it 's XXXX. And after the end of the payments we 'll owe a Balloon payment of {$76000.00}. I am not understanding this. Need a lawyer.Which I do n't have the money for.
Consumer complaint received 2016-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (KY)

Payment history is being reported inaccurately by Equifax. This both lowers my credit score AND alters the DOFD, thus ensuring the negative account will remain longer than it should. 

I disputed this account information with Equifax ( XXXX ) and the dispute was completed on XXXX XXXX, XXXX. 

Subsequent to the completion of the dispute, I contacted XXXX XXXX directly, as they had previously sent an update to Equifax as a resolution to a CFPB complaint aginst them directly. I have the payment history in writing ( dated XXXX XXXX, XXXX ) from the original creditor ( XXXX XXXX ) and what Equifax is reporting does NOT match what the creditor assures me is being reported. 

The most egregious errors are Equifax reporting ( XXXX ) 90-day late payment in XXXX XXXX and ( XXXX ) 60 day late payments in XXXX XXXX and XXXX XXXX. These are NOT reflected on the payment history provided directly to me by XXXX XXXX and provided to Equifax.
Consumer complaint received 2015-11-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CO)

My brother XXXX XXXX XXXX is XXXX from a XXXX one year ago. He was divorced shortly after the XXXX. He faces legitimate hardships, his FHA loan modification has been denied twice despite that he qualified. The entire matter has been grossly mishandled by Wells Fargo, their attorneys XXXX, XXXX, and XXXX, XXXX, as well as XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX have attached a copy of the email that I have sent out today to various agencies for some assistance to save my brothers home in the XXXX hour. We have been strung along for months! The sale is tomorrow. He has been assisted by XXXX XXXX XXXX XXXX who has now referred us to seek Consumer Advocate Attorney assistance, but with the sale date being tomorrow, we 're not sure of how to further help my brother from losing his home of 25 years. He has been unable to continue his XXXX, and has suffered additional XXXX from the stress of this matter. His health has declined significantly from where it was in XXXX when released from the hospital to continue his enormous progress he had made. He is now barely XXXX and has had his Medical Coverage cancelled due to non-payment of premium from the confused state of mind he is in from the additional strokes. We are appealing with his employer City of XXXX benefits department and working with his XXXX XXXX counselor to reinstate his Medical coverage. Without medical coverage XXXX 's likelihood of survival is next to none! Please help us as to what next steps should occur to stop this sale until more informed eyes and ears can peruse the events that occurred and contributed to this man being unlawfully denied his modification and subsequently faces the potential of being put on the curb in XXXX. Thank you! XXXX XXXX, sister in Colorado
Consumer complaint received 2015-07-25
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Northstar Location Services, LLC (PA)

This is my XXXX complaint against this company in the past 2 weeks. After I made contact with them on Thursday XXXX XXXX and verified my contact information information, they still proceeded to contact my cousins today ( whom I have n't talked to in years ) looking for me and even left XXXX of them a message stating that she is from Northstar and trying to collect a debt. Is n't this ALL illegal? This company is relentlessly breaking the law!
Consumer complaint received 2024-10-27
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: Experian Information Solutions Inc. (DE)

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off. 
2. The name and contact information of the person or entity that provided the verification. 
3. Copies of any documents or records used in the reinvestigation process. 
The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

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.

Account XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX has violated my rights. 

I looked at Experian credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treament of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

an according to the 15 USC 1681s-2 they are suppose to 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 2017-02-24
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (AL)

I took out a loan on a car. I was the primary and my mom was the cosigner. Due to finacial setbacks she missed several payments on the loan and it was repossessed. I was not given an option to pay the total missed payments. I was told the car was sold but not for how much. The company sent the bill to collections but i thinks it was for the total amount. We moved several times and the collection agency started to garnish my moms check. She changed jobs and they still did not get in touch with us.the collection company has now started garnishing my wages. I am a single mother and they are taking XXXX dollars out of my check every 2 weeks they have agreed to decrease the garnishment but only to XXXX dollars a month.
Consumer complaint received 2015-12-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stanislaus Credit Control Service, Inc. (GA)

STANISLAUS CREDIT CONTROL {$0.00} {$420.00} XX/XX/XXXX, This company keeps posting and deleting debt. Please delete and replenish score.
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CITIBANK, N.A. (CA)

Citi Card opened a Costco credit card without my consent. This was the result of an open Costo XXXX XXXX being rolled over. After opening a card without my permission, I was automatically charged a {$55.00} Costo membership fee XXXX this charge was never automatically applied on Costco XXXX XXXX. Because I had no idea this account was ever opened, my balance went unreported ( no paper bill or electronic notification ) I received my first paper bill of {$140.00} on XXXX XXXX after the account had incurred financing and late fees. After an hour on the phone closing each of my Citi card accounts, I received an email notice of collection of {$1.00} on my Citi Costco. The card was closed, the account was current but somehow there is a collection for {$1.00}? Unacceptable.