davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have many complaints against all 3 credit bureaus, and it has been going on for more than 10 years, since the beginning of the credit bureau companies. I am not able to get a copy of my credit report. The website for " XXXX XXXX XXXX '' says they can not verify my identity. With my driver 's license, social security card, passport landing page, voter registration card, car insurance, care registration card, mobile phone statements, bank statements, and more, they have never, never been able to verify my identity. I have repeatedly postal mailed packets of information that is museum quality documents. I have uploaded those documents to their websites. I have spoken on the phone with their staff. Born in the USA, I speak fluent English and have fabulous communication skills. I am not able to unfreeze my credit report since I don't have the PIN that was issued to me more than 10 years ago. I am not able to remove the inaccurate information on my credit report. Wrong names and misspellings of my name. Addresses that are more than 7 and 10 years ago. Refusing to allow me to update my personal statement of fraud alert. I have complained for years, and nothing has been done to get this issue resolved. I am still not able to get a copy of my credit report or remove incorrect information. Fake debts stayed on my credit report for about seven years, and then left. Currently, there's no fake debts, but much false personal information.
Consumer complaint received 2019-11-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

It started on XX/XX/2019. Between XXXX XXXX and XX/XX/XXXX, the criminals charged more than XXXX on my AMEX Bloomingdale 's account. Yesterday ( XX/XX/19 ) I got a letter from Bloomingdale 's Fraud Department saying their investigation was complete and that I owed XXXX. They say I am responsible for the charges in question. They said my account can only be accessed by the card issued by them. And that it was used at a chip enabled card reader. I have been a customer at Bloomingdales for about 73 years. Never a late payment. Never make large charges as these are. Or at the places these were charged. They can see that if they review my history with them. 

I have both my cards. Fraud Dept. told me the criminals have my birth date, social security number and a lot more of my personal info. The fraud dept. knows a lot more than they are telling me. The criminal wife was called on one of their large purchases and said that it was okay. that her husband had made it. i haven't had a husband since XXXX. 

I have been dealing with the XXXX XXXX XXXX XXXX police, Sargent XXXX XXXX ( phone XXXX XXXX XXXX ) head of the crime department of the XXXX XXXX police, the three credit companies ( froze them ). And have spoken to the Fraud department several times so was shocked to receive this letter. Police also spoke to the Fraud department. My case with the XXXX Sheriff 's office is XXXX. Bloomingdales case # is XXXX. Initial claim on old account ending in XXXX is XXXX.
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 — Investigation took more than 30 days
Company: Experian Information Solutions 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.

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 XXXX 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 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

To whom it may concern, I am a survivor of XXXX Trafficking. The adverse information attached which may appear ( or currently appears ) on a Consumer Report or Background Check, is the result of Trafficking. 
Pursuant to 605C of the Fair Credit Reporting Act, I respectfully request that you block the reporting of the adverse information identified above ( and any other information related thereto ) within XXXX business days ( see 12 CFR 1022.142 ( e ) ( 1 ) ). In addition, please send me notification of the action taken pursuant to this request within XXXX business days ( see 12 CFR 1022.142 ( f ) ).
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2016-04-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Central Portfolio Control Inc. (OR)

Central Portfolio Control keeps calling my cell phone, just leaving a name and the company name and to call them back at XXXX. It is different that the number they call me from which is XXXX. I did an online search for Central Portfolio Control and it looks like they are a real company for debt collection. I do not have any outstanding debt. I run credit reports XXXX4 times a year and have alerts set up on my credit. I do not have any oustanding debt that is not up to date and in good standing. SO, I am unwilling to call this organization back and even give them a chance to talk as I see it as being a fraud. Also, they call my cell phone, not home phone which I find strange. I want them to stop calling. I have not had any original company call me and requesting payment on anything, and as I mentioned, I do not have anything that is in collections.
Consumer complaint received 2018-01-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I was looking at my credit report a few years back and saw a collection account that I was not aware of. I also started getting calls from this entity, sometimes 10 calls a day. I told them I didnt recognize this debt and I already disputed it through all of the credit reporting agencies. They said that I owe the debt and still continue to call several times a day. I have no idea what this is for and told them so.
Consumer complaint received 2017-11-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (MA)

I previously had my federal loans with Great Lakes and was on a income-based repayment plan and XXXX  repayment forgiveness plan. In XXXX I was switched to forbarence without my knowledge and understanding and was not switched back until XXXX missing out on 3 years of repayments which I could have made and contributing to the total 10 years required before my federal loans are forgiven. Great Lakes refused to help or remedy their error. My loans are now with Fed XXXX XXXX who cant or wont help me. The 3 years I missed out are now going to be when I am done with training which will be substantially higher payments than I would have otherwise paid.
Consumer complaint received 2015-07-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (TX)

GC SERVICES COLLECTION AGENCY is calling my phone way too much, from several different numbers, after I sent a letter in writing asking that they verify the debt they say I owe. It 's pure harassment. I wo n't talk to them until they can prove this debt is actually mine.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (AZ)

I submitted a transfer of XXXX Etherium on XXXX/XXXX/XXXX at XXXX to Coinbase/XXXX. They show they received the amount and were processing it so it would be available in my account. It has been stuck processing since XXXX XXXX. I have submitted 3 support cases and made multiple attempts to contact them via their main XXXX channels @ coinbase @ coinbasesupport @ XXXX. The sent one reply to my first support request which was a generic email on why transactions can take a while but made no effort to look at my account or resolve my issue.
Consumer complaint received 2016-05-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Account Services Collections, Inc (CA)

I hired a lawyer to represent me in a divorce case. I pre-paid a significant amount of & gt ; $ XXXX dollars. The lawyer did not perform and was significantly unprepared for my case, missing discovery items, etc.. Extremely poor performance. 

They lawyer / firm is now charging me for hours that I do not believe are accurate, and I do not believe that the lawyer/firm performed at all. 

They are putting an amount of {$5900.00} into collection ( they are the collector ) and it is on my credit report from the XXXX major agencies, and they are trying to harm me with. 

I have outstanding credit, except for this, and it is hurting my score by approximately XXXX points in the negative. 

I did not establish a credit line, or agree to the charges in good faith with this lawyer/law firm and sent them a letter of my dis-satisfaction even requesting a refund of monies paid. 

The fees they are claiming are excessive, and the amount XXXX pre-paid should have been more than sufficient. 

My lawyer 's performance was so bad, that opposing council was awarded fees from me, and those fees in total were only {$6000.00} dollars. The opposing councils efforts who totally destroyed my lawyer, and the opposing council was/is a top dollar and rated lawyer as a comparison. This opposing lawyer fees are less than what my unprepared and newbie less expensive lawyer and firm are trying to charge. Something is definitely not correct. 

This is a strong arm tactic trom the lawyer/law firm that damages an otherwise excellent credit history from me. I do not think that they are a creditor, and they always wanted their money upfront and had a credit card from me on file.
Consumer complaint received 2016-10-26
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: The Receivable Management Services LLC (TX)

Receivable Management Services has been repeatedly calling from different numbers from across the country, sometimes several times a day. This has been going on for months. I 'm currently looking for a job and need to answer phone calls in case they are businesses interesting in employing me. I 'm spending far too much time talking to these people about collecting an inordinate amount of medical debt on a daily basis. This is greatly impeding my ability to procure work and is negatively impacting my mental and emotional well-being.
Consumer complaint received 2015-06-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Thunderbird Collection Specialists, Inc. (AZ)

I am receiving letters from Thunderbird Collections Specialists Inc in regards to a medical bill that my fianc had with XXXX XXXX XXXX. This company has tried to report this to my credit report and saying that my last name is my fiancs which it is not. I have advise the collections agency that I am not responsible for this account since we are n't married at this time and that they needed to remove it off of my credit. I advise them to not contact me to my cell anymore. A few days goes by and they continue to contact me about this account, advise them again to quit contacting me. It has been weeks since the last call I have received, now I come home from work to get a treating letter that is address to me " who 's not responsible for the debt '' ... .... and the letter state " YOU HAVE FAILED TO MAKE ACCEPTABLE ARRANGEMENTS WITH US REGARDING THE ABOVE REFERENCED ACCOUNT. WILL IT BE AGREEABLE WITH YOU FOR US TO CONTACT YOUR EMPLOYER AND ARRANGE TO HAVE THIS DEDUCTED FROM YOUR SALARY BY MEANS OF A VOLUNTARY WAGE ASSIGNMENT? PLEASE REPLY IMMEDIATELY .... SINCERELY, THE PERSON NAME '' which is a treat to me and will not be stand for!!!! This account also should had been covered by her insurance from XXXX XXXX XXXX XXXX XXXX XXXX, which had fraud and internet breach around the time that they are saying it was n't paid. I am including XXXX different letters that have been sent from this company and that I view as collections treating.
Consumer complaint received 2015-08-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

We are very disappointed with the outcome of our complaint to your office ( complaint number XXXX ). We know now, we were victims of a predatory loan. The people who worked at XXXX XXXX XXXX XXXX in XXXX, PA, the office that prepared our refinancing in XXXX, were XXXX for fraudulently inflate mortgages. ( please read the article we found XXXX : XXXX ). We were unaware of this until many years later after our home went into foreclosure. We have also discovered the company they worked with XXXX XXXX ( whose name is on many of our refinance papers ) were also involved in the scheme. ( please read this article : XXXX : XXXX ). 

Also, our mortgage company now Ocwen, who took over our mortgage from GMAC, say our modified mortgage is not from the HAMP program which is not what we were led to believe. When we signed for the modified mortgage, we were told it is part of HAMP and we even wrote a letter to thank President Obama and we received a nice reply from him. 

Needless to say, we are very disappointed you did not follow up on our complaint as of this date. We are still underwater on our mortgage. Our modified mortgage is a principal of around XXXX but at the end of our 30 years we will still owe another $ 90,000+ which is so unfair. We will not rest until this is resolved. 

Sincerely, XXXX and XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2018-01-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (OR)

My daughter tried talking to Sallie Mae the lender and was told informally that she would have to be past due for three months before they would help her. I am co-signed onto this loan and apparently they are now coming after me for payment. I have received several phone calls from them and the voicemail asks me to call them.
Consumer complaint received 2015-12-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

My mortgage lender is claiming I owe considerably more than I believe I actually owe. They can not document the additional charges they claim I owe. I do owe something, but they are grossly overstating the amount. The spreadsheet they provide to document the amount ( s ) due has an arrearage column that makes no sense. 
Additionally on numerous occasions, I have requested the lender to send me copies of the original loan documents with my signature and my husband 's signature to verify amounts due. They can not produce these documents.
Consumer complaint received 2018-01-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (DC)

Portfolio Recovery is still reporting false information on my credit files and now, they started back making false claims about filing a Court Case against. If the want verify or validate the alleged debt, they do n't have anything to file against me in court because the debt is not mind
Consumer complaint received 2015-04-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: First Associates Loan Servicing LLC (AR)

I attended XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. During this time, I was pressured into signing documents in which I did not have adequate time to review or discuss with a financial advisor. I was told to sign the papers or I would be kicked out of school. They stated that all my loans were through XXXX XXXX XXXX or through Federal Loan funding. Now in XX/XX/XXXX, I have received a phone call from a collection agency stating that I owe them money in the amount of {$2400.00} to a XXXX XXXX XXXX. My wife called and spoke to XXXX XXXX and they state the actual amount of the loan is {$24000.00}. I have never received paper work in regards to this private loan. I am currently working with XXXX and another company to get my federal and XXXX XXXX loans out of default, it came as quite a surprise that I am being told I owe an additional {$24000.00}. I did not receive a job upon graduation from XXXX XXXX, nor did they assist me in job seeking as advertised by their financial aid department and admissions departments. I am at a loss as to my next step with this school as they have ruined my credit and any hopes of owning a home, car or not having wages garnished.
Consumer complaint received 2016-10-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Subject : Regarding Loan Number XXXX Ocwen Loan Servicing, I just received a notice that my monthly payment will increase to {$2100.00} on XXXX XXXX that is a whopping 117.05 % increase in my monthly payment!!! 

this loan was not originated but Ocwen but IndyMac Bank which was shut down then the loan servicing was transferred to Ocwen. 
the dishonest loan officer at IndyMac Bank inflated and falsified my income to qualify for the loan. 

it was my understanding from the loan officer that the interest only payment is 10 years but my payment could only go up 7.5 % after that. 

I am XXXX yrs old and have lived in my home for 26 years. I was recently laid off my job and looking. 
My only income is SS and a small pension. 

I might need a loan modification to continue if I can not find work. 

How can you help me? 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Loan XXXX
Consumer complaint received 2016-08-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

Hi, in XXXX of XXXX, I was looking to sell my house and purchase a new one. My loan officer said that I was behind on my mortgage payments on my second lien. I told her I did not have a second lien because I had refinanced my loans in years prior. I had not received a bill or even a phone call on the second lien since XXXX of XXXX ( around when I had refinanced ). I contacted Ocwen and they told me that I did still have a second lien and that they were sorry that I had not been contacted in 2 years and that they did not know why I had not been. The guy told me not to worry he was going to offer me a deal and that I could pay XXXX dollars and be cleared of my second lien. He said it was a new thing they could do after the housing crisis. I repeatedly asked him, " what 's the catch? '' He reassured me that there was no catch and that everything was going to be ok but I had to move fast before the offer expired. I sent the money and signed a notice that made no mention of this being a short sale. I thought a short sale was when the house was being sold. The letter did mention that I would have to claim it on my income tax and I did. Well, this was XXXX of XXXX. We sold the house in XXXX XXXX. I thought everything was fine and my husband and I decided to wait to buy a house. This summer we started the process of buying a house and that is when I found out that Ocwen was reporting this to the credit bureau which was showing it as a charge off ( short sale ). Now we can not buy a house until XXXX or XXXX. I had absolutely no idea that this is what the agreement meant. I feel like they were deceptive in their practices. In fact, they have been issued a judgement against them for similar issues. I asked the man several times if there was a catch and he kept saying no. The letter I signed did n't say anything about a short sale or that it would impact my credit like that. We made more than enough on the house to cover that second lien and I would never have agreed to these terms if they were explained in that way. I would have just paid it in full. I also do not understand how a mortgage company can stop sending bills in XXXX and never call or let me know I was behind. This company would call if you were paying on the XXXX of the month so when I did not receive any bills or phone calls, I figured that the loans were consolidated in my refinance. I do not think it is fair or non deceptive to tell a client that they only have to pay a certain amount and not inform them of the credit repercussions. I had no idea. I as the consumer depend on the lender to be open and forthcoming because they do this everyday. This is my first house and I just trusted them. This house was paid for under the terms they offered me and was sold free and clear so there was no way that I would know that a year later, I would be facing this problem of not being able to buy a home.
Consumer complaint received 2016-05-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Receivables Management Partners, LLC (MI)

I was never contacted about this debt. I 've had a decent credit score for the past couple of years, and all of a sudden this {$15.00} debt pops up out of nowhere? It says that it 's from 2012! That 's 4 years ago, and I 'm JUST NOW hearing about it. It 's gashed my credit score and I want it removed and my credit score reversed back to how it was. I would GLADLY have paid {$15.00} if I knew about it! I was never contacted about any {$15.00} debt, and it 's from 4 years ago! My credit score should not be this low because of some tiny debt that I had no clue about!